Self Financial Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
12/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30016	Web
XX/XX/XXXX To Whom it May Concern. I, XXXX XXXX a person, non-adverse, non-belligerent, non-combatant party and executer with full life, In accordance with the act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Listed accounts XXXX XXXX XXXX. Account # - XXXX Date Opened - XX/XX/XXXX. XXXX XXXX Account # XXXX Opened XXXX XXXX - XXXX XXXX XXXX ( items labeled incorrectly derogatory, Should be marked Paid off ) A more detailed list is provided.. in the attached files. XXXX XXXX Account # XXXX Opened On - XX/XX/XXXX - XXXX XXXX XXXX XXXX- Account # ( XXXX ) Date Opened- XX/XX/XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX - XXXX XXXX It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. I have the right to privacy. 15 U.S.C 1681 section 602 A. States, I have the right to privacy. 15 U.S.C. 1681 ( a ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 15 U.S.C 1681b ( a ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report. Accounts AS Follows.. ( of which are all Listed in the attachments ) personal information is incorrect DELETE INVALID INACCURATE ADDRESS : XXXX XXXX XXXX XXXX XXXX ( Listed in attachments ) ALL inquiries as not authorized ( detailed list included jn the attachments ) Please remove it from my credit report. Block and remove it all.. UPDATE TO PAID AND BLOCK The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : EMPLOYER : COMPANY : XXXX XXXX XXXX XXXX And all other listed accounts.. I also demand Removal of Extended Fraud Alerts from credit profile XXXX, XXXX, XXXX XXXX, XXXX, XXXX is in violation of the Fair Credit Reporting Act ( FCRA ) and breaking several other federal laws. XXXX, XXXX, XXXX is reporting late payments on my consumer credit report that have not been verified at all before reporting them to my credit report. XXXX, XXXX, XXXX is not abiding by the laws before reporting things to my credit report. They are also in violation of the Gramm-Leach Bliley Act ( GBLA ). This has effected my credit score and utilization rate making it hard for me to obtain credit. I have never received any adverse action letters or statements which by law I should have received a letter XXXX days prior to them making the decrease on my account. Congress makes it clear that I have a RIGHT TO PRIVACY as a federally protected consumer! XXXX XXXX has violated and disrespected my right to privacy which is a direct violation of the FCRA and the Gramm-Leach-Bliley Act! I did not consent or authorize for XXXX XXXX XXXX to use or share my nonpublic personal information. They have violated my privacy to their benefit with no benefit to me or my account. Please be clear that no consent or authorization is IDENTITY THEFT! XXXX XXXX willful noncompliance has resulted in identity theft which I demand to Cease and Desist! I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( XXXX ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. ( XXXX ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. ( XXXX ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than XXXX ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and XXXX years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have XXXX days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. I have been disputing inaccurate payment history with the bureaus for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX for over 3 years Along with a few other others. They continue to furnish unfair credit reporting which undermines my confidence as a consumer. In effort to monitor my credit report, I requested copies through annualcreditreport.com and was not able to pull reports due to unknown conditions. The CRAs were contacted in request for full reports, and they continue to fail in providing a full report as requested. I must pay for reports from other service providers to monitor and find adverse information is reporting. Recent report shows two-year history, but the CRAS exceed the history by reporting XXXX years history or more. Previous reports show payment was received, I have provided dispute letters on several attempts, the bureaus have continued in response stating the late payments were verified without providing proof, updated the account with incorrect payment history and failed to provide updated reports following the results. The CRAs deliberately are making every attempt to Assassinate my character by portraying me as a financially irresponsible consumer. They have not responded to all complaints I have sent, and I did not provide written permission to furnish the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Or XXXX XXXX XXXX and their erroneous reporting is hindering my financial circumstances with reporting unfair and inaccurate payment history on my credit report. This is preventing me from obtaining a mortgage and other financial services as a responsible consumer to ensure housing stability for myself, my family and pursuing business goals. It seems like they are only interested in targeting consumers and destroying lives because they havent even conducted nor provided results in response to my letters in a timely manner for a proper investigation. The CRAS denied me right to a reinvestigation and stated my account was properly investigated but how is that possible if the open date is inaccurate, the date of last activity is inaccurate, and the date last reported is not accurate, last balance is inaccurate. Every time I dispute, I receive retaliation in response from the CRAS with adverse reporting late payments were reported XXXX days now reporting XXXX days late after filing complaints. Every day they continue to provide false information on my report only affects me as the consumer. They could care less about the consumer just to make a few bucks to furnish accounts whether the information is accurate or not. The CRAs are running a numbers business and not a legitimate business. The CRAs have violated my rights and need to be held accountable for their actions. I sent a letter off to the CRAs on several occasions to remove variations of my name as there should not be any variations my only name used is XXXX XXXX. Included with this and all previous letter were copies of my state ID, SS card, and a utility bill to remove personal information that I dont want on my credit report nor use to establish credit, any other variation is fraudulent. According, to the fair credit reporting act 15 USC 1681, I have the right to privacy. Also, according to 15 USC 6802. No financial institution shall share my information to third parties without written consent. These are clear violations of my federally protected consumer rights. Also, the CRAS took more than XXXX days to complete my investigation i am in possession of all of my letters, complaints and certified mail tracking number # s etc. disputing the information above again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair Credit Reporting Act the CRAs have violated my rights 15 U.S. Code 1681 section 602 A. States I have the right to privacy 15 U.S. Code 1681 section ( 604 ) 602 A Section 2 states a consumer reporting agency can not furnish an account without written instruction. 15 U.S. Code 1666 ( a ) ( b ) A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason FCRA 611 ( a ) ( 1 ) ( a ) ( b ) Reinvestigation is required when the consumer notifies the consumer reporting agency disputing that the information reported is inaccurate and provides documentation proving so it must be update or deleted. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. This is not a new complaint. I have been complaining since i can remember on all of the accounts listed. They ( The accounts in? ) have Been reporting to XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Credit Bureau as an " Adverse Action '', when " no money '' have ever been transacted. They have all been UUPDATING my XXXX Consumer report with inconsistency dates as if I made a purchased, reporting late payments, closed accounts and reporting " adverse action '', since as early as XXXX for some.. It was noted to be remove off the Consumer Report but never happened... Why IS CFPB ALLOWING THIS. Ive closed and cashed out this credit card and Im still being harassed and threatened causing me stress through emails.. under title 15 1692k Im eligible for compensation due to there violations upon me as a consumer CFPB PLEASE!! See to it that ALL CRAS ARE TO REMOVE!! ANY AND ALL FRAUD ALERTS, MESSAGES, ALERTS, INDICATORS AND EXTENDED FRAUD ALERTS. Where is the SSA-89 form stating I gave you permission to share my information ; if I remember correctly, it states its a XXXX time transaction and expires after XXXX days.!? Other accounts to be removed listed on accounts
11/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	IL 600XX	Web
Self, XXXX, and XXXX continue to inaccurately report my consumer account even after my repeated attempts to correct the situation. The account is listed inaccurately and has several discrepancies. High Balance : {$200.00} {$15.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX Closed XXXX Creditor Type : Sales Financing All Banks Last Payment : XX/XX/XXXX XX/XX/XXXX Credit Limit : {$170.00} {$0.00} This means this account has not been properly verified and the Self can not report the account as a charge off if any balance is over a dollar it is due to the consumer for the sell of my security. Self has violated the federal reserve act by not complying with the terms set out for national banks. 12 CFR 1026.11 - Treatment of credit balances ; account termination. CFR State Regulations prev \| next 1026.11 Treatment of credit balances ; account termination. ( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. ( b ) Account termination. ( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge. ( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance. ( c ) Timely settlement of estate debts ( 1 ) General rule. ( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner. ( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account. ( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner. ( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely. ( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ). ( ii ) Limitation on trailing or residual interest. A card issuer must waive or rebate any additional finance charge due to a periodic interest rate if payment in full of the balance disclosed pursuant to paragraph ( c ) ( 2 ) of this section is received within 30 days after disclosure. 12 CFR 1016.7 - Form of opt out notice to consumers ; opt out methods. CFR prev \| next 1016.7 Form of opt out notice to consumers ; opt out methods. ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( 2 ) Examples ( i ) Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : ( A ) Identify all of the categories of nonpublic personal information that you disclose or reserve the right to disclose, and all of the categories of nonaffiliated third parties to which you disclose the information, as described in 1016.6 ( a ) ( 2 ) and ( 3 ) of this part, and state that the consumer can opt out of the disclosure of that information; and ( B ) Identify the financial products or services that the consumer obtains from you, either singly or jointly, to which the opt out direction would apply. ( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form together with the opt out notice that, in the case of financial institutions described in 1016.3 ( l ) ( 3 ) of this part, includes the address to which the form should be mailed ; ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your Web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out. ( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice. ( iv ) Specific opt out means. You may require each consumer to opt out through a specific means, as long as that means is reasonable for that consumer. ( b ) Same form as initial notice permitted. You may provide the opt out notice together with or on the same written or electronic form as the initial notice you provide in accordance with 1016.4. ( c ) Initial notice required when opt out notice delivered subsequent to initial notice. If you provide the opt out notice later than required for the initial notice in accordance with 1016.4 of this part, you must also include a copy of the initial notice with the opt out notice in writing or, if the consumer agrees, electronically. ( d ) Joint relationships in the case of financial institutions other than credit unions and covered entities subject to FTC enforcement jurisdiction. For purposes of this paragraph ( d ), you is limited to financial institutions other than credit unions and financial institutions described in 1016.3 ( l ) ( 3 ) of this part. ( 1 ) If two or more consumers jointly obtain a financial product or service from you, you may provide a single opt out notice. Your opt out notice must explain how you will treat an opt out direction by a joint consumer ( as explained in paragraph ( d ) ( 5 ) of this section ). ( 2 ) Any of the joint consumers may exercise the right to opt out. You may either : ( i ) Treat an opt out direction by a joint consumer as applying to all of the associated joint consumers; or ( ii ) Permit each joint consumer to opt out separately. ( 3 ) If you permit each joint consumer to opt out separately, you must permit one of the joint consumers to opt out on behalf of all of the joint consumers. ( 4 ) You may not require all joint consumers to opt out before you implement any opt out direction. ( 5 ) Example. If XXXX and XXXX have a joint checking account with you and arrange for you to send statements to XXXX 's address, you may do any of the following, but you must explain in your opt out notice which opt out policy you will follow : ( i ) Send a single opt out notice to XXXX 's address, but you must accept an opt out direction from either XXXX or XXXX. ( ii ) Treat an opt out direction by either XXXX or XXXX as applying to the entire account. If you do so, and XXXX opts out, you may not require XXXX to opt out as well before implementing XXXX 's opt out direction. ( iii ) XXXX XXXX and XXXX to make different opt out directions. If you do so : ( A ) You must permit XXXX and XXXX to opt out for each other; ( B ) If both opt out, you must permit both to notify you in a single response ( such as on a form or through a telephone call ) ; and ( C ) If XXXX opts out and XXXX does not, you may only disclose nonpublic personal information about XXXX, but not about XXXX and not about XXXX and XXXX jointly. ( e ) Joint relationships in the case of credit unions. ( 1 ) If two or more consumers jointly obtain a financial product or service, other than a loan, from a credit union, the credit union may provide only a single opt out notice. The opt out notice must explain how the credit union will treat an opt out direction by a joint consumer ( as explained in the examples in paragraph ( e ) ( 5 ) of this section ). ( 2 ) Any of the joint consumers may exercise the right to opt out. A credit union may either : ( i ) Treat an opt out direction by a joint consumer to apply to all of the associated joint consumers; or ( ii ) Permit each joint consumer to opt out separately. ( 3 ) If a credit union permits each joint consumer to opt out separately, the credit union must permit one of the joint consumers to opt out on behalf of all of the joint consumers. ( 4 ) A credit union may not require all joint consumers to opt out before the credit union implements any opt out direction. ( 5 ) Example. If XXXX and XXXX have a joint share account with a credit union and arrange for the credit union to send statements to XXXX 's address, the credit union may do any of the following, but it must explain in its opt out notice which opt out policy it will follow : ( i ) Send a single opt out notice to XXXX 's address, but it must accept an opt out direction from either XXXX or XXXX. ( ii ) Treat an opt out direction by either XXXX or XXXX as applying to the entire account. If it does so, and XXXX opts out, it may not require XXXX to opt out as well before implementing XXXX 's opt out direction. ( iii ) XXXX XXXX and XXXX to make different opt out directions. If it does so, and if XXXX and XXXX both opt out, it must permit one or both of them to notify it in a single response ( such as on a form or through a telephone call ). ( 6 ) Special rule for loans. ( i ) A credit union is required to provide an initial opt out notice to a borrower or guarantor on a loan if it shares his or her nonpublic personal information with nonaffiliated third parties other than for purposes under 1016.13, 1016.14, and 1016.15. ( ii ) A credit union may satisfy its annual opt out notice requirement by providing one notice to those borrowers and guarantors jointly. ( f ) Joint relationships in the case of covered entities subject to FTC enforcement jurisdiction. For purposes of this paragraph ( f ), you is limited to the financial institutions described in 1016.3 ( l ) ( 3 ). ( 1 ) If two or more consumers jointly obtain a financial product or service from you, you may provide a single opt out notice, unless one or more of those consumers requests a separate opt out notice. Your opt out notice must explain how you will treat an opt out direction by a joint consumer ( as explained in paragraph ( f ) ( 5 ) of this section ). ( 2 ) Any of the joint consumers may exercise the right to opt out. You may either : ( i ) Treat an opt out direction by a joint consumer as applying to all of the associated joint consumers; or ( ii ) Permit each joint consumer to opt out separately. ( XXXX ) If you permit each joint consumer to opt out separately, you must permit one of the joint consumers to opt out on behalf of all of the joint consumers. ( 4 ) You may not require all joint consumers to opt out before you implement any opt out direction. ( 5 ) Example. If XXXX and XXXX have a joint credit card account with you and arrange for you to send statements to XXXX 's address, you may do any of the following, but you must explain in your opt out notice which opt out policy you will follow : ( i ) Send a single opt out notice to XXXX 's address, but you must accept an opt out direction from either XXXX or XXXX. ( ii ) Treat an opt out direction by either XXXX or XXXX as applying to the entire account. If you do so, and XXXX opts out, you may not require XXXX to opt out as well before implementing XXXX 's opt out direction. ( iii ) XXXX XXXX and XXXX to make different opt out directions. If you do so : ( A ) You must permit XXXX and XXXX to opt out for each other; ( B ) If both opt out, you must permit both to notify you in a single response ( such as on a form or through a telephone call ) ; and ( C ) If XXXX opts out and XXXX does not, you may only disclose nonpublic personal information about XXXX, but not about XXXX and not about XXXX and XXXX jointly. ( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. ( h ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. ( i ) Duration of consumer 's opt out direction. ( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. ( 2 ) When a customer relationship terminates, the customer 's opt out direction continues to apply to the nonpublic personal information that you collected during or related to that relationship. If the individual subsequently establishes a new customer relationship with you, the opt out direction that applied to the former relationship does not apply to the new relationship. ( j ) Delivery. When you are required to deliver an opt out notice by this section, you must deliver it according to 1016.9 of this part. ( k ) Model privacy form. Pursuant to 1016.2 ( a ) of this part, a model privacy form that meets the notice content requirements of this section is included in the appendix to this part.
11/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30016	Web
XXXX XXXX- XXXX 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q , 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 XXXX To Whom It May Concern : My name is XXXX XXXX and this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC. Be advised this is an identification theft notice I am requesting fraudulent accounts on my consumer report removed under Federal law and I have sent this notification to all of the creditors and consumer reporting agencies and have sent multiple documents supporting my claims Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to the fore said items that you are reporting to my consumer reports At this time I will also inform vou that if your offices have or continue to report invalidated information this includes XXXX XXXX, and XXXX this action might constitute fraud under both federal and state laws. 15 U.S. Code 1681c-2 - Block of information resulting from identity theft Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 15 U.S. Code 1681n - Civil liability for willful noncompliance I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices can provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all reporting activity must cease and desist. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent authority, Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This is violation 15 USC S 1681b Permissible purpose of consumer reports ( a ) IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following account 's This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your agency fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that your records are in order before I am forced to take legal action. Please be advised XXXX XXXX,, and XXXX. You need to remove all fraudulent inquiries from my consumer report. I've given the dates and the times of every inquiry that is on my consumer report. You shall remove the inquiries that are fraudulent on my consumer reports your credit reporting agency, and you shall do due diligence in the investigation of such fraudulent activities. The violations here I require compensation, for this has caused me grave harm purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you XXXX XXXX, AND XXXX is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. XXXX XXXX, AND XXXX is also in violation of XXXX XXXX XXXX for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you Self /LEAD BANK, XXXX XXXX XXXX AND XXXX XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data Failure to remove account in 4 days from my consumer report as requested will result in legal matters being taken and me turning you. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. During this time collection activity must cease and desist. If any adverse action that is taken during this validation period that negatively impacts my Credit Report, including any potentially inaccurate information, I will instruct my legal consul to take relevant action against the guilty parties. You must immediately remove the collections you fraudulently placed on my credit reports until the such a time as the debt is proven valid. If I personally dont receive any response from you for VALIDATION of this account within 4 days, all references and claims to this account must be deleted from your files. To Whom It May Concern : In accordance with the fair credit act XXXX- has violated my rights. The late payment reporting date Self - Account # XXXX Date Open XX/XX/XXXX XXXX is inaccurate.I never made late payments. During covid a lot of peoples info was mixed up XXXX needs to be deleted.also has violated my rights. During Covid the data beach has my info exposed. I put fraud alert on my report and filed a identitytheft.gov report.These inquiries need to be deleted. Law 15 U.S.C. 1681 602 A states I have a right to privacy.15 USC 1681 604 A SECTION 2 : also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 15 USC 6802 b b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 usc 1681 a 2 Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Adverse actions taken against me denying my rights, of which the civil damages pursuant to 15 USC 1611 ( 1 ) are up to { { {$5000.00} } } per violation, civil damages for 15 USC 1692 ( j ) are up to { { {$1000.00} } } .per violation NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B My life is being ruined for unjust enrichment. I have reasonable cause to believe XXXX, XXXX, and XXXX are guilty of engaging in a pattern of racketeering activity and receiving the proceeds of extortion to fund their illegal criminal enterprise. As a consumer reporting agency that compiles and maintains files on consumers on a nationwide basis, I am aware that my consent is required to disclose nonpublic personal information to nonaffiliated third parties. The consumer reporting agencies have aided and abetted the financial institutions involved in unlawful extortionate means to collect on extensions of credit and punish me for the nonrepayment thereof During Covid the data beach has my info exposed. I put fraud alert on my report and filed a identitytheft.gov report.These inquiries need to be deleted. Law 15 U.S.C. 1681 602 A states I have a right to privacy.15 USC 1681 604 A SECTION 2 : also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 15 USC 6802 b b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 usc 1681 a 2 Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; I do not consent. to XXXX XXXX XXXX .. XXXX XXXX
05/25/2021	Yes	Checking or savings account CD (Certificate of Deposit)	Closing an account Funds not received from closed account	CA 92557	Web
On XX/XX/XXXX, Self Lender Help at cancel@self.inc with the message below : Greetings, I would like to pay off my self account early. Having the account has not helped my credit, rather it has caused as much as a XXXX point reduction at the beginning that I have worked to bounce back from. It's become clear to me that self was not the best situation to help my credit as it also negatively hurt my " average length of credit history '' drastically. Can you tell me how I can make a single payment to cover the interests and fees, so as not to owe self ANYTHING upon ending the relationship with self? Lastly, I would like to pay it off on or around the XX/XX/XXXX. Thank you, XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- - On XX/XX/XXXX, at XXXX I received an automated response. Later, at XXXX I received the following email from help@self.inc : Hello, Thank you for reaching out to us in regards to paying off the account early. Our records indicate that the buy out amount to satisfy the account in full is : {$390.00}. We apologize for the experience you have received. The way that the credit builder works is to help you build credit and save money at the same time. I am sorry to hear that your score was impacted negatively, however we recommend that you reach out directly to the 3 bureaus to see how your score is calculated and comprised. Please follow these instructions to make a one time manual payment : 1. Login to your Self Account 2. Go to the " My Account '' tab 3. Click " Make a Payment '' Please let us know if you have further questions. Regards, How would you rate my reply? Great Okay Not Good -- XXXX I continued to email back and forth because their responses were not consistent with what was presented in the application on my cellphone. For instance, when attempting to close out the account, nowhere did it show a final payment amount, just the option to pay {$25.00} or you could enter an amount. I entered {$390.00}. -- -- -- -- -- -- -- -- -- -- - On XX/XX/XXXX I paid the remaining balance of {$390.00} via the Self Lender App on my phone as I had made precious payments. -- -- -- -- -- -- -- -- -- -- - On XX/XX/XXXX at XXXX I received an email from help@selflender.com with the message below : " ACH payment successfully submitted Hi XXXX, Thank you for your payment on your Self XXXX XXXX Account. Payment ID XXXX will apply to your account, pending final authorization from your bank. The electronic debit in the amount of {$390.00} will be deducted from your bank account on XX/XX/XXXX. If you did not make this change please call us at XXXX. If you have any questions, you can contact us at help@self.inc. -- -- -- -- -- -- -- -- -- - On XX/XX/XXXX at XXXX I received the following email from no-reply@self.inc : CONGRATS your credit builder account is complete Congrats! You completed your credit builder account! You've saved an estimated {$520.00} and have established 4 months of payment history with the credit bureaus. We will electronically deposit your savings into your XXXX XXXX XXXX account ending in XXXX on XX/XX/XXXX. You will receive an email from us once we've sent your electronic deposit. -- -- -- -- -- -- -- -- -- -- - XX/XX/XXXX, {$390.00} posted to my XXXX XXXX XXXX account ending with XXXX as having been withdrawn just like every other previous Self Lender payment. On XX/XX/XXXX, at XXXX after having received every payment prior to receiving my final payment, and the funds withdrawn on all instances including funds for the final payment, I received this message from Self Lender : Self - Supporting Documentation Required Hi XXXX XXXX During a routine review of your Self account we have determined that well need some further documentation from you in order to complete that review. Verifying your identity and payment information helps us keep your account secure and is required by law. In order to complete this request, please upload the listed documents to your profile here. State Issued Driver 's License Bank Statement ending in XXXX If youre unable to provide one or all of these documents, see this Help page which lists alternatives and explains our requests. In order to verify your account and complete our review, well need to receive your files within 15 days of this request. If we dont receive your documents by the 15 day deadline, well need to close your account. Please dont hesitate to let us know if you have any questions or concerns. Thanks, The Self Team self.inc P.S. Have you downloaded our app yet? Manage your account while on-the-go, anytime, anywhere. Upon receiving this email I submitted front and back copies of my license, a picture of me holding my license, a front copy of the payment book for the account XXXX issued by the XXXX XXXX XXXX along with a 'still-attached ' payment slip of a payment made where I wrote " PAID '' and " VOID '' across the front. This payment book cover and slip provides all of the information necessary to verify that I am who I day I am. Because my statements are XXXXXXXX, I made a video of me logging into my account and scrolling to every Self debit/payment in the account. I did not email the video to them because I am unable to do so on the form they provided, and sending it via email is a great risk as all of the account details are present for thieves and hackers or any person lacking integrity. I have emailed Self repeatedly, they have not responded. I have called, the message I receive simply says, 'if I'm calling because I have to verify my account, they will only respond via email, and it will take three days from the time I submit my documents for my account to be reviewed [ Paraphrased ]. After that, it just hangs up. Self has not responded to any of my emails or requests for a representative to call me. Self has stated in its email : " Verifying your identity and payment information helps us keep your account secure and is required by law. '' It would seem to me that Self did not follow the law when it established my account by appropriately verifying my identity as the other financial institutions that I bank with have. To make matters worse, after making ON-TIME payments for months, informing them that their credit builder services did not work in my case and rather severely hurt my credit, hence the reason I decide to payoff the balance and end the relationship with Self. In response, Self is now treating me like I have committed a crime. They have limited my access to the account. They will not respond to my emails or calls. They have taken my money and by their actions seem to be attempting to punish me possibly for raising awareness that their system of building credit did not work for me. Their actions seem quite retaliatory. If Self had verified my identity as required by law for me to establish an account, why now, after I have paid them that they are doing this. They have not offered any explanation, they have simply taken my money and shut me out. I have done nothing to deserve this treatment. If Self violated the law that they themselves supposedly enforce, I believe they should be held account to the standard and an infraction imposed on them for violating the publics trust by not fully verifying ones identity when first establishing an account. -- -- -- -- -- -- -- -- -- -- -- -- -- Included in Self Lender 's computer generated emails : All XXXX XXXX Accounts made by XXXX XXXX Member FDIC, Equal Housing Lender, XXXX XXXX, XXXX. Member FDIC, Equal Housing Lender or XXXX XXXXXXXX XXXX, XXXX. XXXX FDIC, Equal Housing Lender. Subject to ID Verification. Individual borrowers must be a U.S. Citizen or permanent resident and at least XXXX XXXX XXXX. Valid bank account and Social Security Number are required. All loans are subject to consumer report review and approval. Results are not guaranteed. Improvement in your credit score is dependent on your specific situation and financial behavior. Failure to make monthly minimum payments by the payment due date each month may result in delinquent payment reporting to credit bureaus which may negatively impact your credit score. This product will not remove negative credit history from your credit report. All loans subject to approval. All XXXX XXXX XXXX ( XXXX XXXX are deposited in XXXX XXXX Member FDIC, XXXX XXXX XXXX. XXXX FDIC or XXXX XXXX XXXX XXXX. XXXX FDIC. XXXX XXXX Member FDIC, Equal Housing Lender XXXX XXXX, XXXX. Member FDIC, XXXX Housing LendeXXXX XXXX XXXX XXXX, XXXX. Member FDIC, Equal Housing Lender XXXX Self Financial , Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. All rights reserved. Please click here to unsubscribe from our alerts.
09/01/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	MO 63031	Web
IN RE : Loan Account number ( XXXX XXXX Account ) : XXXX Credit Card Number Ending in : XXXX This constitutes an Official Notice in accordance with the Fair Debt Collection Practices Act, the Truth In Lending Act, and the Fair Credit Billing Act, that I hereby Dispute the debt in the above referenced account. It has come to my attention that there may have been some accounting irregularities in this account which have adversely affected me. In reviewing the account, it has come to my attention that fraud and/or other violations of public policy may have occurred in the operation of this account, therefore, I will be conducting discovery to determine the true facts in this matter. This constitutes the exhaustion of my administrative remedy, in accordance with the Administrative Procedures Act, as concerns the above referenced matter. This discovery process has been presented under Notarial Seal for the purpose of certifying the admissions, confessions and stipulations of the Parties, to create a public record thereof, via the issue and filing of an Administrative Declaratory Judgment, by Notarial Protest. Said Administrative Declaratory Judgment is issued under statutory authority and under the authority of the Secretary of State, acting as an agent of the Department of State, and carries the power and authority as if issued by the highest court in the land. Said Judgment constitutes res judicata, star decisis, collateral estoppel and judgment by estoppel. Please take note that this discovery process has been served under Notarial Seal and valid subpoena establishing your mandatory obligation to timely respond and/or rebut the following, point by point and line by line, verified true, correct and complete, signed, sworn to and notarized in affidavit form and to provide certified copies of the requested documentation. Please respond and/or rebut the following, point by point and line by line, in affidavit form, and provide documentary evidence to support your claim. o It has come to my attention that since XXXX, when Franklin D. Roosevelt took all of the gold and silver out of circulation, that we have no currency of value or substance with which to pay a debt. Our economic system operates on credit and debt. If we have no currency of value or substance in circulation today, then one must wonder, what did the Bank loan me? It is unlawful for the bank to loan me their credit. So, what did the bank loan me? What value/substance did the bank loan me? Please provide the evidence that the bank loaned me anything of value. o At the closing, I placed my signature on a Promissory Note which I gave to the bank in the exchange. Said Promissory Note had no value prior to my placing my signature on it. Did it not? There are no other signatures on said Promissory Note, therefore, it was my signature that gave the value to the Promissory Note which I gave to the bank in the exchange. Was it not? o Since XXXX the United States has operated upon the good faith and credit of the American people, not the good faith and credit of the Banking industry. Has it not? The government, including the government sanctioned corporations, institutions, and banks, have no authority to create money. Only We the American people can create money. We the American people are the originators of the money and are therefore the Creditors. Are we not? o When I placed my signature on the Promissory Note, giving value to the Note, I was the originator of the funds and, therefore, the Creditor of the transaction. Am I not? o It has come to my attention that the Promissory Note which I executed is an unregistered security and that it may have been sold, traded, or assigned in violation of state statutes. Please provide me with a certified copy, front and back, of the original Promissory Note which I signed and presented to the Bank in this transaction and the lawful authority which authorized the Bank to engage in the sale of an unregistered Security, in this transaction. Your failure to provide me with documentary evidence of the lawful authority shall constitute your stipulation that no lawful authority exists and your tacit confession to the unlawful sale of an unregistered security in violation of state statute. It has also come to my attention that shortly after the closing that the Bank deposited said Promissory Note as a cash item and ledgered said Note as a liability in the banks Payables Account and identified ME as the Creditor in the account. Did they not? o It is also my understanding that the bank, in accordance with GAAP, ledgered the LOAN, as an asset in the banks Receivables Account and identified ME as the debtor in the account. Did they not? o It is further my understanding that because I failed to see through the banks carefully designed illusion and instruct the bank to make the financial adjustments to zero the account in the set-off, the bank posted their liability/my asset in their Payables Account as an off-balance sheet entry and after a period of time the funds were claimed as abandoned funds. Were they not? o It is also my understanding that the international accounting system called XXXX XXXX and/or XXXX XXXX have been fully implemented ; that off balance sheet accounting is unlawful, and that all banks and lending institutions must comply therewith. Are they not? Please provide documentary evidence that you are XXXX XXXX & XXXX compliant. o UCC 3-104 ( a ) & ( c ) and UCC 105 ( a ) ( c ) makes it clear that I was the Issuer, Drawer, Maker of the Note that I executed, giving it value, at the closing, while UCC 8-102 ( 12 ), ( 15 ), ( 9 ) and UCC 8-105 leaves no doubt that I am the holder of the entitlement right to the funds. I am the Creditor and entitlement holder with the authority to issue Entitlement Orders as concerns this transaction and/or this account. Am I not? o The Bank registered the LOAN but did not register the Note, therefore, the Note is an unregistered security in accordance with the UCC and International Banking Law. Is it not? Please provide me certified copies of the accounting of the Promissory Note that I executed at the closing, to wit : the Accounts Receivables and Accounts Payables ledgers of this Promissory Note. Please provide me a certified copy, front and back, of the original Promissory Note as well as all assignments of the Note. I request, in the nature of a Demand in Recoupment, that the Bank merge the Accounts Payables with the Accounts Receivables Account to XXXX the account in accordance with GAAP and Public Policy and/or provide me with documentary evidence that authorizes the Bank to conceal said funds for the purpose of dispossessing me of said funds. Your failure herein shall constitute your admission that no valid authority exists, and that the Banks operation of this account is unlawful and fraudulent. Your failure to timely respond and/or rebut the foregoing, point by point and line by line, in Affidavit form, shall constitute your admission and stipulation to the stated claims and establish the evidence as a matter of fact. Your failure to respond, a partial response, or a non-responsive response shall constitute a dishonor and your agreement and stipulation to the facts as set forth herein. Your failure to respond in affidavit form, signed, sworn to and notarized and/or your failure to provide certified copies of the requested documentation shall constitute you a dishonor and shall result in the issue of a Declaratory Judgment, by Default, certifying the stipulation and agreement of the Parties. Said Declaratory judgment, by Notarial Protest is as binging on the Parties and their privies as if issued by the highest court in the land and constitutes res judicata, star decisis and an estoppel. Respondents failure to respond shall constitute your agreement that the process is free of error and/or omission, lawful or otherwise, having had the opportunity to respond and provide documentary evidence in affidavit form, and choosing to demur and stipulate to the facts as set forth by Claimant creating a binding contract between the Parties. Your dishonor constitutes an estoppel and your voluntary waiver of all rights and remedies that may otherwise exist and your agreement to confess judgment in this matter.
03/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	CA 91977	Web
You are hereby in receipt of notice under the authority of the Fair Debt Collections Practices Act [ 15 U. S. Code 1692g ] regarding your above referenced file number that part, or all, of the alleged debt is DISPUTED and hereby demand validation and verification, in writing, as follows : Pursuant to [ 15 U. S. Code 44 ] PROVIDE DOCUMENTARY EVIDENCE. 1 ) An authentic signed contract between you and XXXX XXXX showing proof that you and that person and you are now or were at one time in business together and other supporting documentation that gave rise to the alleged obligation SELF/LEAD is claiming owed. In pursuant to [ 16 CFR 433.1f ] 2 ) An authentic invoice for goods and/or services you provided. [ XXXX ] AUDIT 3 ) Statement, under penalty of perjury that : a. You are the bonafide party in interest of the contract and will produce said authentic signed contract ( # 1 above ) for my own and a judges inspection should there be a trial to contest these matters. b. The name and address of all persons, corporations, associations, legal firms or any other parties and entities having an interest in the collection or legal proceedings regarding the alleged debt. c. As a debt collector you have not purchased evidence of debt and are proceeding with this collection activity solely in the name of the original contracting party. d. You know and understand that certain clauses in a contract of adhesion are unenforceable unless the party to whom the contract is extended could have selectively rejected the clause. e. You will provide written verification from the stated creditor that you are authorized to act on their behalf in this debt collection action. f. You have taken reasonable and prudent diligence to verify that the amount claimed owed is in fact a legitimate debt prior to instigating this action and making said claims, and that all relevant correspondence has been reviewed prior to initiating this claim. g. You will prove that you are the original creditor, if in fact you claim to be, and that the United States XXXX Federal Reserve nor any other entity besides your organization originated these funds. XXXX ) Production of the account and general ledger statement showing the full accounting of the alleged obligation you are attempting to collect from me, signed and sworn by the person responsible for maintaining these records and having first-hand knowledge as to their accuracy and authenticity, and able to testify under oath to that effect. 4 ) Under the Truth in Lending Act pursuant to [ 15 USC 1601-1667j ] ( full disclosure ), I have a right to know who the true party of interest in this transaction is. As such, I am asking you to stipulate whether you are the holder in due course for my promissory note. If you are not the holder, then you admit to being the servicer of this obligation. 5 ) Please also stipulate for the record whether or not my loan has been securitized, and if so, the name of the XXXX my loan is bundled with. 6 ) If my loan has been securitized, then please provide me the pooling and servicing agreement that names my loan as well as any documentation that explicitly gives you the right to service my loan as well as enforce the promissory note in the event of a foreclosure. If you are hiding these facts from my despite my request, then you are hereby notified that you are committing fraud and shall be named in a wrongful foreclosure civil action. 7 ) Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course. If you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your claim under U.C.C. - ARTICLE 3 3-301. If you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your claim under U.C.C. ARTICLE 3 3-301. 9 ) Under US Code TITLE 15 > CHAPTER 41 > SUBCHAPTER V > 1692g part b ), this debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC. You are advised to consult legal counsel on this matter. 10 ) I am giving you formal notice that failure to respond to this letter through a verified and validated proof of claim within 30 days as I have asked for, point for point will be taken as an administrative default. Please be advised. A COPY of the said Note nor an Affidavit of Loss or any other forms will not be acceptable. Please provide me the following : 1. A statement admitting whether you are the holder in due course or whether you are a servicer. 2. A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. 3. The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the REMIC my loan was sold to. 4. The CUSIP number under which my loan was securitized to. 5. Make available for visual inspection my original wet ink promissory note ( not a photocopy ). Please contact me in writing to arrange for an appropriate point of inspection. This is my good faith attempt to resolve this matter before I am forced to litigate against your company. I am pleading with you to resolve this matter privately and civilly as to avoid burdening our courts with this matter. If I have to, I will see you in court. Contacting me again after receipt of this notice without providing procedurally proper validation of the alleged debt constitutes a scheme of fraud by advancing a writing that you know or should know is false, with the intention that the courts and/or others rely on the written communication to impair or damage my credit rating, my reputation, my standing in the community as well as intentionally inflicting financial and emotional harm upon me. I take this notice, and my rights, very seriously and expect SELFXXXX to do the same. In the event that this debt is not validated by you, as required by the XXXX XXXX Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. You may want to obtain a legal opinion on this, but I believe that would constitute a scheme of fraud if this debt were to be resold ; assuming that SELF/LEAD has in fact purchased evidence of debt in this matter. I also will not respond to any future correspondence that is not signed or does not indicate who at your firm has sent the demand for payment. I expect timely responses to the above confirmations and that they be made in writing and sent via certified mail to the address listed below. Alternately, a letter from your firm that the matter has been satisfied and a copy of the letter you sent to all 3 credit reporting agencies asking them that any adverse credit reporting relating to this transaction to be expunged by these three major credit reporting agencies immediately. Failure to provide these items shall mean your admission that you have no claim, your agreement not to report negatively to the credit bureaus, and your agreement never to contact me or the person named in your correspondence again. Included please find a Notice and Demand for Payment in case you are not able to validate the debt your assets will be given a Notice of Lien in the amount and at the interest rate of your invalidated alleged and now illegally collected debt.
01/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19154	Web
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors isee you are disregarding it so heres my breakdown. 1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves. 2. What is a FCRA violation? Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes. 3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes. Receive notification if information in my file has been used against me in applying for credit or other transactions. Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable. Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ). I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. .. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. Self # 80800 Your improper procedures are highly damaging to my credit score. Please immediately delete this item. VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liabilityunder this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. * Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 205 CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : ( Pennsylvania State ) Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : ( Pennsylvania State ) Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX
08/16/2023	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Banking errors	NJ 075XX	Web
To Whom It May Concern, I am writing to formally lodge a complaint against XXXX XXXX, operating under XXXX XXXX XXXX in South Carolina, for their deceptive business practices, misrepresentation, and potential violations of federal laws. I have documented evidence, including screenshots, which I am prepared to provide to substantiate my claims. I. XXXX XXXX XXXX XXXX XXXX XXXX has engaged in deceptive business practices, which I believe violate the Federal Trade Commission Act ( 15 U.S.C. 41-58 ), specifically Section 5 ( a ) which prohibits " unfair or deceptive acts or practices in or affecting commerce. '' Details : Misrepresentation of Payment History : Despite my timely payments, XXXX XXXX falsely claimed that I paid late. However, there is no late payment reported on my consumer report, which contradicts their claim. This inconsistency raises concerns about their reporting accuracy and integrity. False Promises Regarding Credit Card Offer : I was informed by XXXX XXXX that after making three consecutive on-time payments, I would be eligible for a Self Visa Credit Card. I fulfilled this requirement, yet they reneged on their promise. Furthermore, their terms did not explicitly state that a single late payment would disqualify me from this offer. Their failure to disclose critical information and subsequent denial of the promised service is misleading and deceptive. Penalization for Early Payments : I have been penalized for making early payments. This practice is not only unfair but also potentially violates the " XXXX XXXX XXXX XXXX '' which prohibits the charging of prepayment penalties in certain circumstances. Additionally, South Carolina 's Consumer Protection Code ( SC Code 37-3-209 ( 1 ) ) also limits the circumstances under which prepayment penalties can be applied. XXXX. Violations of Federal Laws : Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601-1667f ) : The misrepresentation regarding the credit card offer and the penalization for early payments may be in violation of TILA, which requires clear disclosure of terms and conditions. Specifically, TILA mandates that consumers be provided with clear and accurate disclosures of terms dealing with credit transactions. Federal Trade Commission Act ( 15 U.S.C. 41-58 ) : As previously mentioned, XXXX XXXX XXXX XXXX practices likely contravene Section XXXX ( a ) of this act, which prohibits " unfair or deceptive acts or practices in or affecting commerce. '' International Lending Supervision ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : While this section primarily deals with international lending and the adequacy of capital for holding companies, any discrepancies in XXXX XXXX 's reporting or lending practices that affect their capital adequacy could be relevant. Their practices, if found to be deceptive or misrepresentative, might have implications under this title. XXXX. Discrepancies and Missing Funds : Upon reviewing my account statements and transaction history, I have identified discrepancies where money appears to be missing and not accurately accounted for. XXXX XXXX 's explanation attributes these discrepancies to fees. However, when I inspect individual payments, these fees are already disclosed and included. This raises serious concerns about the transparency and accuracy of their financial reporting. IV. Request for Action : Investigation : I urge the CFPB, OCC, and FTC to conduct a thorough investigation into these matters and take appropriate enforcement actions against XXXX XXXX. Correction of Records : I demand XXXX XXXX to rectify any inaccuracies in my payment history and provide a clear explanation for their previous misrepresentations. Compensation : Given the potential harm to my creditworthiness and the stress caused by their deceptive practices, I seek appropriate compensation. Transparency : I request that the CFPB, OCC, and FTC keep me informed about the progress of the investigation and any actions taken against XXXX XXXX. XXXX Conclusion : It is essential to hold financial institutions accountable for their actions to protect consumers and maintain trust in the financial system. I trust that the CFPB, OCC, and FTC will treat this complaint with the seriousness it warrants and ensure that justice is served. If these matters are not resolved to satisfaction, I am prepared to escalate this complaint to the XXXX XXXX XXXX Texas United States XXXX to seek legal remedies. XX/XX/2023 - Payment of {$50.00} XX/XX/2023 - Auto payment failed ( This breaks the consecutive payment streak ) XX/XX/2023 - Manual Payment of {$52.00} ( Failed payment fee mentioned ) XX/XX/2023 - Manual Payment of {$50.00} XX/XX/2023 - Manual Payment of {$48.00} XX/XX/2023 - Manual Payment of {$4.00} XX/XX/2023 - Manual Payment of {$110.00} XX/XX/2023 - Manual Payment of {$52.00} From the above : The payment on XX/XX/XXXX was successful. The payment on XX/XX/XXXX failed, breaking the consecutive payment streak. Starting from XX/XX/XXXX, Ive made three manual payments on the same day, followed by payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In reviewing the payment history provided, it's evident that there was a consistent effort to make timely payments, which aligns with the consumer 's rights under the Truth in Lending Act ( 15 U.S.C. 1601-1667f ) to be provided with clear and accurate information about their credit terms. On XX/XX/2023, a successful payment of {$50.00} was made. However, the consecutive payment streak was interrupted on XX/XX/2023, when an auto payment attempt failed. This raises concerns about potential violations of the South Carolina Consumer Protection Code ( SCCPC ) 37-5-108, which prohibits unconscionable debt collection. Despite this setback, a diligent effort was made to rectify the situation. On XX/XX/2023, three manual payments were made : one of {$52.00} ( which had a failed payment fee ), another of {$50.00}, and a third of {$48.00}. These payments were followed by additional payments on XX/XX/2023, of {$4.00}, on XX/XX/2023, of {$110.00}, and on XX/XX/2023, of {$52.00}. Notably, after the missed payment in XXXX, there were three consecutive payments made on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, demonstrating a commitment to maintaining a consistent payment record. The Texas Debt Collection Act ( TDCA ) 392.304 ( a ) ( 8 ) prohibits misrepresenting the character, extent, or amount of a consumer debt, and any discrepancies in the reporting of these payments could be seen as a violation. Furthermore, any deceptive practices or misrepresentations by the financial institution could be in violation of the Texas Deceptive Trade Practices-Consumer Protection Act ( DTPA ) and South Carolina 's Unfair Trade Practices Act ( SCUTPA ). It's essential for financial institutions to maintain transparency, accuracy, and fairness in their dealings with consumers, as mandated by both federal and state laws. Thank you for your attention to this matter.
07/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or missing disclosures	CA 92109	Web
Self, Inc., represents itself to consumers as a credit monitoring and credit building system that helps consumers with low or damaged credit increase their credit score. Self is a free credit monitoring system. But they also market credit building installment loans. This is where they make their money. Self credit monitoring service provides consumers with on-demand access to credit scores, however, the information is usually outdated by several months. It provides consumers access to this outdated credit history at all times. Self also provides consumers with advise on how to improve their credit. They provide this advice free of cost. However, do not provide consumers with advise or actual notice of how Self, Inc. services could actually damage your credit history under the following conditions : ( 1 ) Consumers paying the last payment off early may negatively effect their credit history and negate the entire purpose of the installment loan, or ( 2 ) Return of CD funds at maturity of the installment loan will be compromised by the acceptance of the credit card offered by Self, Inc. or ( 3 ) Self, Inc., will be holding in abatement up to {$370.00} as a security deposit on credit card account, and will not return all of the CD funds at maturity, unless or until, the consumer accepts that all of the benefits of the installment loan are negated and both accounts are reported as closed. Such reporting by Self, Inc., damages the consumers credit profile and will negatively impact consumer like me for up to 10 years. Selfs material failure to provide consumers with actual notice of the change or amendment to one of the fundamental terms and conditions contained in the agreement, i.e., Return of CD at maturity in full has now been effected by consumers acceptance of the credit card offered. This is unlawful as it is in direct contravention to substantive principles in consumer protection laws and contract law in general. In other words, the consumer is now subject to double-jeopardy due to the credit card account holding CD funds as security deposit without any actual notice provided, and without the knowledge or consent from the consumer. It is FDIC Insured CD funds misappropriated for a credit card security deposit. The CD funds which can not be accessed by the consum er until maturity date is allocated by Self for the security deposit on credit card without notice to the consumer. These specific changes by Self, Inc., to the terms and conditions of the agreement transformed the agreement between me and Self, Inc, into to a contract of adhesion. I did not know that the credit card offered would negatively effect the return of my CD upon maturity as promised. I discovered this fact when I received only {$160.00} of the CD at maturity instead of {$540.00}. When I inquired about the return of the balance of the CD {$370.00}. Selfs response was simply to say okay, we will start processing the return. I did not know and was not provided actual notice that in order to return the entire CD amount required the closing of the credit card account. Selfs solicitation to consumers involves the following terms and conditions : For XXXX/month, consumers can rebuild credit. The Self loan isn't your typical loan. It is a loan in reverse. Consumers don't receive the proceeds from the loan upfront. Instead, it's placed in a FDIC insured Certificate of Deposit. The maturity date equals the term of the loan. You then make payments over the course of the term of the loan ( 12 to 24 months ). Your payments are both principal and interest. At the end of the term, the CD matures. You receive the principal, plus the small amount of interest it gained during that time. As you make payments, Self reports them to XXXX, XXXX, and XXXX. If you make your payments on time, this will help build up your credit score. Once you provide this information, Self runs a check on XXXX. Similar to running your credit, this system checks your bank account history. This keeps an eye on how you treat your bank accounts. They look for overdrafts and bad checks. However, unless you let your overdrafts sit unpaid, you should be in good shape. If your XXXX report comes back clean, Self will ask you which loan amount you want from a predetermined list of options : {$520.00} ( {$25.00} paid over 24 months ) {$540.00} ( {$48.00} paid over 12 months ) I selected this one! {$1000.00} ( $ XXXX monthly payment over 12 months ) {$2200.00} ( $ XXXX monthly payment over 12 months ) You then enter your payment information. You can use a checking account or debit card. However, using a debit card will cost you an additional 2.99 % plus {$0.00} as a convenience fee. Self also charges an administrative fee based on your loan amount. It varies between {$9.00} and {$15.00}. The fee is non-refundable, but is a one-time fee. The moment you take out the Credit Builder Loan, you have a FDIC-insured Certificate of Deposit opened in your name. Like any other CD, you can not touch the money until it reaches maturity. In this case, it's 12 months. Untrue. The bank deposits the full amount in the CD, allowing it to earn 0.10 % interest over the next 12 months, then returned to the consumer. Also untrue. It is in the publics best interest and in the interest of consumer protection that Self is held accountable for failing to provide consumers with actual notice as follows : Consumers paying the last payment off early may result in negative credit history reported on your credit profile, even if Maturity date is reached. And will also negate all of the benefits of the installment loan. Return of the CD at maturity will be compromised by the consumers acceptance of the credi t card offered due to a security deposit held on account, and taken out of CD funds prior to maturity. FDIC rules do not apply. Prior to offering credit card to build credit history : Self intends on utilizing or accessing or apportioning a substantial part of your FDIC Insured Certificate of Deposit Savings Account beyond date of maturity or subject to additional terms and conditions not previously disclosed to consumers, i.e. consumer must accept the negative reporting of the credit card account as a closed account on the consumers credit file that will negatively effect the consumer for up to 10 years. WARNING : Do not pay the XXXX XXXX XXXX early even if offered by Self. If you pay it off early, you negate the benefits of the installment loan. You can not touch the CD until maturity or you risk paying a penalty, however, Self can and will at any time for credit card deposits without any notice or consent to consumers.
06/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX XXXXX	Web
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' These accounts are adverse items they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of their reporting services. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The accounts/inquiries and their respective agencies are : XXXX : Account Name : XXXX XXXX XXXX XXXX Credit Card Date Filed : XX/XX/XXXX Type of Account : credit card Account Number : # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Number : XXXX Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : CREDIT CARD Account Number : # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT. XXXX Number : XXXX Account Name : SELFINC/LEAD Date Filed : XX/XX/XXXX Type of Account : SECURED CREDIT CARD Account Number : # XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX MO. XXXX Number : XXXX Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX Account Number : # XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX XXXX XXXX Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : CREDIT CARD Account Number : # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Number : XXXX Account Name : XXXX Account Number : # XXXX Date Filed : XX/XX/XXXX Type of Account : secured loan Address : XXXXXXXX XXXX XXXX XXXX XXXX MO. XXXX Number : XXXX XXXX INQUIRIES : Account Name : XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX XXXX XXXX XXXX Address : Number : XXXX Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX XXXX XXXX XXXX Address : Number : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX : Account Name : XXXX XXXX XXXX XXXX Credit Card Date Filed : XX/XX/XXXX Type of Account : credit card Account Number : # XXXX Address : XXXX XXXX XXXX XXXX XXXX, NV XXXX Number : XXXX Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : CREDIT CARD Account Number : # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT. XXXX Number : XXXX Account Name : SELF FINANCIAL/LEAD BA Date Filed : XX/XX/XXXX Type of Account : SECURED CREDIT CARD Account Number : # XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX MO. XXXX Number : XXXX Account Name : XXXX Account Number : # XXXX Date Filed : XX/XX/XXXX Type of Account : secured loan Address : XXXX XXXX XXXX XXXX XXXX, MO. XXXX Number : XXXX Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX Account Number : # XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- EXXXX XXXX : Account XXXX : XXXX XXXX NA Date Filed : XX/XX/XXXX Type of Account : CREDIT CARD Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Number : XXXX Account Name : XXXX XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : CREDIT CARD Address : XXXX XXXX XXXX XXXX XXXX, NV XXXX Number : XXXX Account Name : XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Type of Account : CREDIT CARD Address : XXXX XXXX XXXX XXXX XXXX, SD XXXX Number : XXXX Account Name : XXXX Date Filed : XX/XX/XXXX Type of Account : CREDIT CARD Address : XXXX XXXX XXXX XXXX XXXX, TX. XXXX Number : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX : XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00} XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1000.00} XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$920.00} SELF/LEADB Secured credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$58.00} XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX and a balance of {$680.00} XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX
11/24/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 76227	Web
Dear Sir or Madam, 1. SELF FINANCIAL INC / XXXX XXXX XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as wells 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I immediately disputed this information with SELF FINANCIAL INC / XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
12/08/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	KS 67203	Web
Dear Sir or Madam, 1XXXX XXXXSELFLNDR Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as wells 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I immediately disputed this information with XXXXSELFLNDR and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, Client Name SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
01/11/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	TX 76182	Web
I am being retaliated against and have been unlawfully declined access to my Self credit account. XXXX XXXX advertises themselves as a great company to start building credit or get your credit back on track. Unfortunately, their true colors are overwhelmingly bright and rather unscrupulous. I opened an account with Self Inc.com approximately XXXX of 2020. The account is referred to as a " XXXX XXXX '' account, which essentially is a security deposit. Upon payment completion of the security deposit, you may apply and be granted the Self Visa credit card. I did complete the security deposit and was granted the self visa. However, after using the credit card and paying the monthly installments for 5 months, as directed, I contacted Self via telephone with inquiries into how I successfully increase the limit on my credit card. This is where Self fails the consumer. I specifically called Self to gain knowledge about the proper procedure as to how I increase my credit card limit. I was directed, by Self, to open an additional " credit builder '' account and this account would then be applied to my credit card to increase my limit. I questioned the process asking about qualifications or any special or specific steps I would need to obtain the limit increase. I was reassured that the only actions required by me would be to open the new " credit builder '' account and since I am already owner of the visa account, the new " credit builder '' account would automatically apply to my visa to increase the limit. This was a lie. I trusted Self to provide me accurate and honest information to help get my credit back to the XXXX I achieved before an unfortunate layoff. I believed that Self. Inc was a business that assisted and guided their consumers towards credit success. I did raise my score, but this was my responsible payment regimen and had zero to do with Self. Self actually lied to me about the credit limit increase process in order to ensure I would open an additional credit builder account. Unwittingly, at the time, I did open an additional account at the latter of XXXX, 2020, with aspirations to increase my limit and move forward with increasing my overall credit portfolio. But after opening this new " credit builder '' account, I urgently needed to increase my limit. Therefore, I paid off the account on XX/XX/2020 believing the new " credit builder '' account would automatically apply to my credit limit increase. But again, this was a lie. Because I saw no change to my credit limit, I called Self on XX/XX/XXXX, to inquire about the process. In reply to my inquiry, I was told I could not increase my limit. I was informed that the account, once paid in full, automatically closes. I expressed to the Self associate that my only purpose for the new and additional account is to increase my credit limit. The associate again stated there was nothing I could do and the funds would be returned to me XXXX weeks later. I was furious! I explained that I had contacted Self specifically in regards to increasing my limit and how to do so. I stressed that I was frustrated because I had been misled with dishonest information. Only then, did the associate attempt to offer an alternative to increase my limit. This unbelievable alternative I was presented, was to continuously monitor my account to try and catch a tiny window of opportunity. I was informed that there is a very small window for which my completed {$720.00} payment could be applied to my credit card account and that I would need to monitor my account from XX/XX/XXXX - XX/XX/XXXX and attempt to apply the increase provided I catch this window. I have never heard of such shenanigans. But needing to increase my limit I monitor my account all weekend. Checking 3/4 times daily, I do not see any way to apply this new, but now involuntarily closed, " credit builder '' account to increase my limit. Then suddenly, on the final day, XX/XX/XXXX, I attempt to check my account again to catch this miniscule window of opportunity to increase my credit card limit. But, LOW & behold, upon logging into my account, I am declined access to my account. I am prompted to " refer to the email I received to upload the requested documents to verify my identity. '' First, I check my emails. I have not received any such email requesting that I verify my identity. Then, I call Self ; and for the first time since I have opened an account with self, I am declined phone access. Self has blocked me from person to person contact and has prompted an automation that, '' if I have been asked to supply documents, then I must contact Self through email only. '' And even as I have attempted to supply my D.L., chosen from the list presented upon login, my documents are declined. This is absolute retaliation for me sending an email to the customer service department expressing my displeasure for how Self misled me to believe I was following the proper protocol for the credit line increase. This is an absolute thuggish bullying in attempts to silence me and make me pay for speaking out against their sales tactics. Self is proving themselves to be of a deplorable culture which is undeniable, and unlawful. It is my right as a consumer to express my thoughts to a company who takes advantage of those attempting to improve their quality of life. It is absolutely incredulous to believe Self observes the consumer as priority. Not only has Self intentionally blocked access to my account on the final day to increase my limit, the prompt states, " to continue use of this account, these documents must be submitted. '' Yet, Self has blocked any way for me to submit such documents and has blocked any way for me to communicate with them directly. Self has overtly disregarded ethical and lawful guidelines en lieu of personal gratification. This is ABSOLUTELY UNACCEPTABLE. Subsequently, I implore the FTC/CFPB to investigate into the perfunctory actions by which Self.Inc has chosen to operate. It is my firm belief that such reckless, inconsiderate, and bullying tactics must be rectified immediately.
12/22/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 75237	Web
Dear Sir or Madam, 1. XXXXSELFLNDR Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as wells 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I immediately disputed this information with XXXXSELFLNDR and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
11/26/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 75051	Web
Dear Sir or Madam, 1. XXXX Account Number:XXXX**** Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as wells 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I immediately disputed this information with XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( XXXX ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the XXXX XXXX XXXX XXXX ( XXXX XXXX. We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( XXXX 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( XXXX1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( XXXX ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
12/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	GA 30339	Web
: XXXX : XXXX. c/o XXXX XXXX XXXX XXXX XXXX, Georgia XX/XX/XXXX XXXX XXXX Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Dear Sir or XXXX. XXXX XXXX XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys, and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX. I immediately disputed this information with Lead Bank and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor, or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a.Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report, and I have demanded from them a full accounting and five years ' worth of records to see if their accounts were in violation of the FAIR CREDITBILLING ACT ( FCBA ). We also demanded signed contracts, agreements, or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA1666 ( a ) ( 2 ) ), As I was never notified of billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ) .I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I, therefore, demand these late payments are removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I, therefore, am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, : XXXX : XXXX. SS # XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX CFPB What would be a fair resolution to this issue?
09/22/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	PA 19050	Web
Dear Sir or Madam, *1. SELFINC/XXXX Account NumberXXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, 60 days late in XX/XX/XXXX, 90 days late in XX/XX/2021, and 120 days late on this account XX/XX/2021 and XX/XX/2021, as well as 150 days late on this account in XX/XX/2021. I immediately disputed this information with SELFINC/XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, : XXXX XXXX SS # : XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
10/18/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	NJ 08043	Web
Dear Sir or Madam, 1. SELFINC Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I immediately disputed this information with SELFINC and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX
11/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 75237	Web
Dear Sir or Madam, XXXX. SELF Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me XXXX days late on this account in XX/XX/XXXX and XX/XX/XXXX as wells 60 days late on XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with SELF and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
11/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	IL 60653	Web
Dear Sir or Madam, 1. SELF Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX as wells 60 days late on XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with SELF and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
11/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	PA 19141	Web
XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, and 60 days late in XX/XX/XXXX. I immediately disputed this information with SUNRISE BANK SELF LENDER and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
09/27/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	PA 19148	Web
Dear Sir or Madam, *1. SELFINCXXXX Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with SELFINC/XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
11/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	PA 19020	Web
XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your XXXX and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me XXXX days late on this account in XX/XX/XXXX, as well as XXXX days late in XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with XXXX XXXX XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and XXXX years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
10/04/2021	Yes	Student loan Private student loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PA 191XX	Web
Dear Sir or Madam, 1. XXXX Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX. I immediately disputed this information with XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
12/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	LA 712XX	Web
Dear Sir or Madam, XXXX. XXXX XXXX XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 60 days late on this account in XX/XX/XXXX. I immediately disputed this information with XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
05/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	PA 18504	Web
Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states .... According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy .... ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. SELF/LEAD Account Number- XXXX I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of ... 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
12/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 751XX	Web
These Companies are violating my rights according to the Fair Credit Reporting Act and violating the laws that are in place pertaining to reporting accuracy on ones report. I have disputed these accounts numerous times with no results. I WANT THEM DELETED - INACCURACY OF ACCOUNTS NEEDS - ATTENTION IMMEDIATELY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are Listed below. Please send me copies of the documents that you have in your files as of this date that you used to verity the accuracy of the accounts listed below. XXXX In previous disputes you claimed that this account was verified and is following The Fair Credit Reporting Act. How can this account been verified? You XXXX has completely different monthly payments ( {$100.00} ), Date Opened ( XXXX ), Balance ( {$130.00} ), More Serious Reporting errors you have a Past Due amount of {$100.00} along with numerous late payments attached to a account that XXXX has reported as a Charge Off while you still have the account as 120 months late. None of the last reported or last payment match XXXX or XXXX. I question if this is even the same account because again the account number you report does not match XXXX or XXXX. A Charge Off account should never have Late payments due to it being late by default. Please send me copies of the documents that you have in your files as of this date that you used to verity the accuracy of the accounts listed below. XXXX XXXX XXXX XXXXXXXX I disputed this several times to inform you this isn't my account and I was a victim of identity fraud and yet the account still remains. I have a report from Identity Theft. Gov listing this account. But even then This account as well has late payments attached to an already defaulted Charged Off Account if I was the owner. Along with that the date open, date last active and last reported do not match XXXX. This is a direct violations of my rights. XXXX XXXX XXXXXXXX This account also has a Past Due Amount that is against the law to report on a Charged Off Account. The open date does not match XXXX, nor does the Last Active Date. This is unacceptable. I feel like this was a mistake that was made to purposely affect my credit reports even harder. You have violated about every one of my rights and the laws that govern me. XXXX YOU ONCE AGAIN HAVE BEEN REPORTING A PAST DUE BALANCE AND EACH MONTH IT SHOWS I MISSED ANOTHER PAYMENT ON A CHARGED OFF ACCOUNT. Not only that though it has a balance of {$20000.00} which is no where close to the past due amount that XXXX and XXXX have. Not one thing is accurate on this account compared the others. These furnish the same account numbers but none of the reporting information is accurate. XXXX This account has the payment status as late 90 days but in the two year history it does not show one late payment. How is that possible. The date opened, date last reported, date last active along with the last payment are not even close to being accurate. I WANT THIS ACCOUNTS DELETED OFF MY CREDIT PROFILE. THEY HAVE CAUSED A FINANCIAL STRAIN SOME FOR MANY YEARS. YOU CONTINUE TO VIOLATE MY RIGHTS AND BREAK THE LAWS EACH DAY THESE ARE ON MY REPORT. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g \| have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your fies that were used to verity them. If you do not have any documentation in your files to verify the accuracy ( the wrong dates and amounts ) of these disputed accounts then please delete them immediately as required unde Section 611 ( a ) 5 ) ( A ) i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be prompty deleted. Therefore. if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed above with receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLIANCE. Please provide me with a copy of an updated and corrected credit report showing these items REMOVED, I demand the following accounts be property verified or removed immediately. PLEASE BE AWARE THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGANIZATION BELOW : CC : XXXX XXXX ASSISTANT DIRECTOR OF ENFORCEMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSIT INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY Thank, you for your help in this matter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX XXXX
04/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30349	Web
I HAVE NEVER BEEN LATE I checked my credit report on XXXX XXXX and saw that I had inaccurately furnished late payments furnished by your company. I have never been late on this account. These inaccurately furnished late payments are an invasion of my right to privacy and is affecting my ability to extend credit and operate in commerce. Congress has made it clear that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Self Lenders failure to maintain the integrity of my nonpublic information has caused me substantial harm and inconvenience to my financial reputation due to fraud. Congress has stated that unfair credit reporting undermines public confidence, which congress has made clear, is essential to the continued functioning of the banking system. I am aware that pursuant 15 U.S.C. 1666b ( a ) a creditor may not treat a payment on an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures to ensure that a periodic statement was mailed to me 21 days prior to the bill due date. I never received such statements. I would like for an executive member of your company to put on a sworn statement of facts that your company sent me, and I did in fact receive such statements with verification of such ( i.e. statement sent, tracking number, dated certified mail with my wet signature ). Without this, there is no proof that reasonable procedures have been followed prior to furnishing this alleged late payment to my consumer report. I am also aware that I was supposed to receive a negative information notice in writing no later than 30 days after furnishing these alleged late payments to my consumer report. I have never received such notice. I would like for an executive member of your company to put on a sworn statement of facts that your company sent me, and I did in fact receive such notice with verification of such ( i.e. notice sent, tracking number, dated certified mail with my wet signature ). Without this, there is no proof that reasonable procedures have been followed prior to furnishing this alleged late payment to my consumer report. Please be advised that in regard to these alleged late payments, I am aware that pursuant 15 U.S. Code 1681a ( d ) ( 2 ) a consumer report shall not include information solely as to transactions or experiences between the consumer and the person making the report. I am also aware that nothing under 15 U.S. Code 1681s-2 ( 7 ) ( A ) requires negative information to be furnished to a consumer reporting agency. What is required by a furnisher is to report 100 % accurate information if the company engages in the act of reporting information to a consumer reporting agency. To misconstrue the requirement of reporting accurate information with the non-requirement to report negative information is a direct violation of 15 U.S. Code 1681s-2 ( 7 ) ( E ) and constitutes this alleged late payment being reported without lawful authority. If an executive member of ( COMPANY ) can not provide me with proof ( such as the actual notice ( s ) /statement ( s ) sent, tracking number, dated certified mail with my wet signature, etc ) along with a sworn statement that substantiates this claim and proves that ( company name ) adopted reasonable procedures for this alleged late payment with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished late payment with forethought and malice as an attempt to bring harm to me and my financial reputation. If any of the above can not be provided, I am demanding the following late payments are UPDATED to PAID AS AGREED and a DELETION of each late payment is submitted to the credit reporting agencies immediately in order to prevent me from receiving more harm as a result of the fraud that has taken place. Please be advised that I am aware that whoever violates 15 U.S. Code 6821 such as the false, fictitious, or fraudulent statement or representation to a customer of a financial institution will be held liable under 15 U.S. Code 6823 ( a ) to fines under Title 18 USC 3751 with fines up to XXXX for a felony by an organization or imprisoned for 5 years or both pursuant 15 U.S. Code 6823 ( a ). I am conditionally accepting any non-reasonable response, as frivolous, and I will file fault judgment in the favor of the interest of I the consumer, holder in due course, attorney, and administrator in fact. You have 15 days from the date of delivery to respond to this notice. Should there be dishonor in the aforementioned requested documentation by failure to disclose requested documents or failure of response, and the particular requests to rectify any fault by Self Lender will serve as acquiescence and your agreement to a default judgment against your company for the dishonor in the negotiable instrument, bank fraud, mishandling of goods, compromising my relationship with other financial institutions and including stress caused to me in the attempt of exercising my rights in good faith. However, I do in good faith expect you to handle these matters with ordinary care to address all subject matter. Thanking you in advance for your anticipated quick co-operation on this important matter. Sincerely, XXXX : XXXX
12/23/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	FL 34655	Web
Note that in this case, my issue was with XXXX however XXXX has the exact same abuse prone Quasi Cash transaction coding, and I have encountered similar issues with them as voiced in my complaint against XXXX. ~ [ ] ~~ ( ( ( ) ) ) ~~ [ ] ~ ~ [ ] ~~ ( ( ( ) ) ) ~~ [ ] ~ So there is almost no literature out there actually defining what a quasi cash transaction is but I was just told I could not top up the balance of my cryptocurrency account, which I use to pay for my XXXX subscription because it reimburses me monthly for the cost of XXXX in XXXX or XXXX currency, which I can then use to either upgrade my account tier on XXXX, which would enable me to eventually be reimbursed in CRO for additional monthly payments, provided I paid for them using my Crypto.com prepaid debit card. The card also pays me 2 % in the current USD value of CRO as cash back. ~ [ ] ~~ ( ( ( ) ) ) ~~ [ ] ~ ~ [ ] ~~ ( ( ( ) ) ) ~~ [ ] ~ This complaint is not against XXXX, while based XXXX XXXX the company has gone above and beyond to comply with US regulations and excepting the loss of no-fee purchases with credit and debit cards with the addition of a 3 % fee, the site has been largely consumer friendly, and is one of if not the only XXXX website that has never been hacked or otherwise lost user funds. Their debit card is issued in partnership with XXXX XXXX Bank in the XXXX. ~ [ ] ~~ ( ( ( ) ) ) ~~ [ ] ~ ~ [ ] ~~ ( ( ( ) ) ) ~~ [ ] ~ The issue I have is with a new kind of transaction coding that has been invented by card networks such as XXXX which enable abusive and usurious card issuers to restrict where a consumer, who has every right to expect their card will be usable anywhere XXXX is accepted as is advertised more or less industry wide by XXXX card issuers, beyond the legally required restrictions placed on US-sanctioned countries such as XXXX XXXX. ~ [ ] ~~ ( ( ( ) ) ) ~~ [ ] ~ ~ [ ] ~~ ( ( ( ) ) ) ~~ [ ] ~ So now not only are consumers made to pay exorbitant fees and increased interest rates to withdraw cash at ATMs or in person with a bank teller, XXXX now allows issuers to identify quasi cash transactions that enable consumers to to pay bills and other routine expenses outside the XXXX ecosystem, enforcing their payment monopoly in conjunction with XXXX who forces merchants to use the same opaque quasi cash transaction coding to force consumers to pay exorbitant fees, or not be able to at all, leave the XXXX/XXXX payment networks with their available line of credit, which is ultimately the consumers own money. ~ [ ] ~~ ( ( ( ) ) ) ~~ [ ] ~ ~ [ ] ~~ ( ( ( ) ) ) ~~ [ ] ~ What gives XXXX and XXXX the right to XXXX this abusive new categorization of transactions that only serve to further monopolize the industry? ~ [ ] ~~ ( ( ( ) ) ) ~~ [ ] ~ ~ [ ] ~~ ( ( ( ) ) ) ~~ [ ] ~ For example, if I desired to use my SECURED XXXX Credit Card issued by Self.Inc - secured meaning it is a credit card in name only and they have already been paid more than the full amount of the credit limit by myself and therefore can only possibly profit additionally from its use, facing zero risk of default having been paid already - to pay a bill or other expense to a merchant that requires a check or cryptocurrency payment, such as a landlord or in my case, a cryptocurrency based reward program, and ultimately XXXX, would not be able to even do something as simple as that or to purchase even a Cashiers Check to pay a landlord or any other biller not accepting XXXX. ~ [ ] ~~ ( ( ( ) ) ) ~~ [ ] ~ ~ [ ] ~~ ( ( ( ) ) ) ~~ [ ] ~ Financial institutions are not suffering from the Coronavirus, Consumers are. All this sort of unscrupulous policy does is further tilt the benefit of finance even further towards wealthy corporations and banking interests and away from consumers attempting to exploit a few paltry rewards programs offered here and there needed in order to survive each month with stagnant wages, a debt based economy, a heretofore failure of current political leadership to fulfill the majority of their promises to improve the economic standing of the poor, and soaring prices for housing and everything else that should be a human right but is not treated as such in the United States. ~ [ ] ~~ ( ( ( ) ) ) ~~ [ ] ~ ~ [ ] ~~ ( ( ( ) ) ) ~~ [ ] ~ How is this not a flagrant anti-trust violation? ~ [ ] ~~ ( ( ( ) ) ) ~~ [ ] ~ ~ [ ] ~~ ( ( ( ) ) ) ~~ [ ] ~ I certainly have standing to sue if it is. ~ [ ] ~~ ( ( ( ) ) ) ~~ [ ] ~ ~ [ ] ~~ ( ( ( ) ) ) ~~ [ ] ~ And I assure you that it is. ~ [ ] ~~ ( ( ( ) ) ) ~~ [ ] ~ ~ [ ] ~~ ( ( ( ) ) ) ~~ [ ] ~ I am addressing this complaint principally to the card issuers responsible for setting the rules and codings used by all card issuers across their payment networks, as this problem is industry wide and not limited to Self.Inc telling me where I can and can not spend MY OWN MONEY. ~ [ ] ~~ ( ( ( ) ) ) ~~ [ ] ~ ~ [ ] ~~ ( ( ( ) ) ) ~~ [ ] ~ Although I will be filing this complaint in triplicate to ensure it is brought to the attention not only of Self.Inc, which is an institution I otherwise very much like, but more importantly to the much more powerful transaction coding overlords at XXXX and XXXX. ~ [ ] ~~ ( ( ( ) ) ) ~~ [ ] ~ ~ [ ] ~~ ( ( ( ) ) ) ~~ [ ] ~ I hope that is acceptable. ~ [ ] ~~ ( ( ( ) ) ) ~~ [ ] ~ ~ [ ] ~~ ( ( ( ) ) ) ~~ [ ] ~
01/06/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	IL 60438	Web
To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX From : XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX BILLING ERROR AFFIDAVIT NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRINCIPLE IS NOTICE TO AGENT The undersigned Affiant, XXXX XXXX, herein after " Affiant '', does solemnly swear, declare and state as follows : Pursuant 12 CFR 1026.13 -Billing error resolution I XXXX XXXX dispute account number XXXX, Loan # XXXX, CD # XXXX in the amount of $ XXXX {$520.00} have Please furnish documentary evidence in accord with 15 U.S. Code 44 of record of accounts where XXXX XXXX awarded me XXXX XXXX with any payment pertaining to this alleged debt. Pursuant 15 U.S. Code 1666 ( a ) Notice, it is fact affiant is aware 15 U.S. Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error by providing all documentary evidence for clarification of who funded this account and who's obligation it is to pay the alleged debt on this account XXXX, Loan # XXXX, CD # XXXX Until then XXXX XXXX can not report late payments in accordance with regulations of the Bureau 12 CFR 1026.13 ( d3 ). Pursuant 15 U.S. Code 1666b ( e ) If the creditor does not provide all documentary evidence as defined under 15 U.S. Code 4 this will result in a billing error and the creditor forfeits all rights to collection on the amount that has been identified in dispute. Pursuant 12 U.S. Code 5562 ( c ) ( 10 ) money audit trial production of document material Notice, it is fact affiant is aware the consumer has the right to request the money audit trail. I am requesting this documentary material in accordance with 12 U.S. Code 5562 ( c ) ( 10 ) to address this subject matter, without this documentary evidence there can be no validation of said debt. Pursuant 12 U.S. Code 183 In ( 2 ) ( A ) GAAP audit trial Accounting and Insurance Notice, it is fact affiant is aware the consumer has the right to request the GAAP audit trail in accordance with 12 U.S. Code 1831n ( 2 ) ( A ) and without this documentary evidence to properly address subject matter there can be no validation of said debt. Pursuant 16 C.F.R. 433.3 ( b ) ( 4 ) A contract which includes a waiver, condition, or limitation for a debtor to assert rights for claims or defense against a seller is void. Notice it is fact in accordance with 16 C.F.R. 433.3 ( b ) ( 4 ) I the affiant has reason to believe and do so believe a contract can not and does not constitute as evidence or contain a negotiable instrument or contain any waiver, limitation, term, or condition which has the affect of limiting a consumer such as I XXXX XXXX the affiant any right to assert against any holder of a contract with any and all legally sufficient claims and defense which could be asserted against the seller of goods and services and in all subject matter pursuant 16 C.F.R. 433.3 ( b ) ( 4 ) said contract is unenforceable and void. In fact a contract that has not given the consumer the full disclosure of said contract with any written, oral, known or unknown subject matter shall not constitute as documentary evidence. I the affiant has reason to believe and do so believe XXXX XXXX has not meet all requirements established in 16 C.F.R. 433.2 ( a ). I XXXX XXXX XXXX R, owner of the consumer XXXX XXXX XXXX XXXX XXXX XXXX cestui que trust ) account with XXXX XXXX XXXX Open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for ( Personal, Family and Household purposes ). I have a billing error on the credit account Pursuant to 15 U.S. Code 1666 - Correction of billing errors Pursuant to 15 U.S Code 1666d Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account. ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. I hereby have attached all supporting documents to this claim for credit/interest which is the Certification of Beneficial Ownership Form pursuant to ( Title 31 CFR 1020.230 ) of United States Code also, Certification of Trust ( Pursuant to 760 ILCS 5/8.5, eff. 8/10/2015 ) ( Pursuant to 26 CFR 301.7701-7 ) of Untied States Code. Power of Attorney, DBA, Agent Certification, Certificate of Live Birth, Affidavit of Beneficial Ownership, Promissory note to tender for payment in full and XXXX XXXX installment instrument with endorsement on behalf of the principle.
09/27/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	MI 48219	Web
My XXXX XXXX XXXX debit card was compromised at XXXX XXXX XXXX XXXX store, located at XXXX XXXX XXXX, XXXX, XXXX XXXX, on XXXX XXXX, XXXX. Chain of events : I arrived at XXXX XXXX XXXX XXXX store on XX/XX/XXXX, to pick up a few items. At checkout, I noticed there wasnt a point-of-sale terminal at the checkout counter, the terminal was behind the cashiers counter, behind the glass partition. I was reluctant, however, I proceeded to hand the attendant my debit card to pay for my goods. When I arrived home. I noticed XXXX XXXX XXXXXXXX sent me a notification/alert indicating my debit card had indeed been compromised, transaction ( s ) had been made to an online money transfer app called XXXX XXXX. I immediately went back to XXXX XXXX XXXX XXXX XXXX to address the issue and immediately confronted the attendant, which he obviously denied any wrongdoing. In addition, I talked to XXXX XXXX XXXX fraud division, and they immediately locked all access to my bank account and cancelled my debit card, which was linked to my bank account. As a result, I didnt have access to my funds and the XXXX XXXX XXXXXXXX account was my only bank account. XXXX XXXX XXXXXXXX also indicated I wouldnt have access to my bank account until after their initial investigation was complete ( regarding the fraudulent activity ). Armed with this information, I reached-out to Self Lender ( Self Financial , Inc ) and the rest of my creditors to inform them of my current situation. Fast-forward, I finally gained access to my bank account and received my new debit card and immediately, reconnecting all my accounts. I received a notification from my credit monitoring service, indicating Self Lender ( Self Financial , Inc ) reported a 30-day late payment to the consumer reporting agencies. Its important to note, I have never had any late payments added to any of my trade line accounts, before this fraudulent activity occurred ( resulting in my bank account being frozen ). The attachments will show ongoing communication with Self Lender ( Self Financial , Inc., from the beginning. The attachments will also, show how I asked Self Lender ( Self Financial , Inc ) for an alternative payment method ( Self payments are only deducted from a debit card, linked to your bank checking account ). I also, asked for a one-time good will adjustment to remove the 30-day late payment, due to the fact, it was a result of the fraud that occurred against me ( I have never been late with any prior monthly payments with this account, or any other account ). Self Lender ( Self Financial , Inc. ) unwillingness to remove the late payment has caused my perfect credit score to take a nose dive, and I am currently unable to receive any new credit from potential new accounts and or gain an increase in my current trade line with XXXX XXXX as a result, because of the recent 30-day late payment notification. XXXXAn email from Self Lender ( Self Financial , Inc ) on XX/XX/XXXX states : Note you must have an active payment method, before you can remove one ( see the highlighted attachment from Self Lender ( Self Financial, Inc ) marked Exhibit 1a ). XXXXOn XXXX XXXX, XXXX, I emailed Self Lender ( Self Financial , Inc ) to see if I could pay with another card and to also let me know what my options are ( see highlighted email attachment, marked Exhibit 1b ). Self also indicated there was no payment to your credit card account from XX/XX/XXXX, XXXX XXXX, 2021. ( see highlighted email attachment, marked Exhibit 2 ). However, I did start making payments to my account once my bank account was unlocked and my debit card arrived on XXXX XXXX, XXXX. ( see highlighted email attachment, marked Exhibits 3a, 3b, 3c ). * Self Lender ( Self Financial , Inc ) claims, unfortunately, we are unable to remove the factual payment history we are reporting. ( see highlighted email attachment Exhibit 4 ). In closing, Self Lender ( Self Financial , Inc ) is hindering my ability to obtain credit due to their recent 30-day late payment reporting activity, which has now been added to my consumer credit file. Self is reporting a 30-day late payment, which resulted in me not have access to my Bank account , even after XXXX XXXX XXXXXXXX sent me a summary of my bank statement and made remarks regarding the status of my bank account, being on hold. ( see highlighted attachment Exhibit 5 ). Self Lender ( Self Financial , Inc ) unwillingness to remove the 30-day late payment and reverse their action, is a clear indication, that my consumer credit file is not reporting accurately and is misleading. In addition, due to my account being on hold and frozen, resulting from the fraud, Self Lender ( Self Financial, Inc ) had no concerns whatsoever, about my situation and the stress it caused me, their action and unwillingness to remove the 30-day late payment is a true indication! My overall resolve is to have the 30-day late payment and negative action taken against me, removed from all three consumer reporting agencies. Best regards, XXXX XXXX XXXX
07/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90042	Web
*** To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles. My only first and last name are : XXXX XXXX My only address is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX I have provided a copy of my identification documents for you to verify my social security number and date of birth. I do NOT have any OTHER NAMES, ADDRESSES, SSNs or DOBs and I do NOT desire any OTHER personal information to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights or I will be forced to file a complaint with the Consumer Financial Protection Bureau. RE : Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit Inquiry ( ies ) and Delinquent Accounts by Original Creditors on my XXXX, and XXXX Credit Report. To Whom It May Concern, In the course of recently screening my personal credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit Reporting and undoubtedly deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : 1. The account being incorrectly reported as delinquent was not authorized - 1.SELF FINANCIAL / SELF LENDER Via XXXX XXXX XXXX -Account XXXX XXXX - I have also contacted XXXX XXXX XXXX and they have advised me that they are no longer affiliated with Self Financial AKA Self Lender and no longer manage these incorrect accounts being reported. XXXX XXXX XXXX has advised me to contact Self Financial Directly, which I did, and they refused any assistance in this matter. -- Please remove this inaccurate information from my credit report. ______________ -- -- - I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( s ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof. To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my XXXX credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously, you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of foul position of non-compliance to reporting obligations so to retain or return to the appropriate status of certified XXXX XXXX compliant reporting more over 100 % provable true, correct, complete, and timely reporting. Let there be no mistake that I am requesting that the alleging entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including XXXX, XXXX, and XXXX, immediately so to adequately make rectifiable removal of every one even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required. To that end, further, I am also requesting that they remove any and all of my personal information from their records. The last 4 of my SS # : XXXX and my Date of Birth : XX/XX/1987 in case it is needed to locate the potentially injurious and fraudulent inquiry in their system.
10/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 07011	Web
Dear Self I have tried disputing this Account with through XXXX : XXXX. XXXX : SBNASELFLNDR XXXX # XXXX According to the FCRA 15 U.S. Code 1681s-2 Self is violating my federally protected rights. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Self is reporting inaccurate information. ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. According to XXXX, Self knows of these inaccuracies, but Self updates the information on a month to month basis after each dispute ( according to XXXX ). ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. ( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. ( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. The change of payment history gives reasonable cause to believe that the information being reported is inaccurate and unverifiable. On XX/XX/2022 I got a copy of my credit report, in which I noticed inaccurate information pertaining this account. With this dispute I will be attaching credit report pages from an XXXX credit report specifically pertaining to this account, to serve as evidence for my argument. Every month when I get an updated credit report after dispute results coming back. This account some how comes back as verified or updated. But if you notice on the attached documents for this account ( Labeled XXXX for the account ) you will notice there being a difference in PAYMENT HISTORY. Why after each of my disputes ( XXXX so far ) does something change or get updated in the credit report pertaining to this account, and why does it not get deleted? If XXXX is doing an ACTUAL investigation ( whom according to the FCRA are required to complete a full investigation with procedures to follow, and at the same time provide only 100 % accurate information ), why is this information changing after each dispute? a ) My logical answer to this is that XXXX is not following the procedure under law, and to provide 100 % accurate information on my credit report. Which clearly XXXX XXXX, WHICH IS NEGATIVELY AFFECTING MY LIFE! If XXXX is getting this info from the data furnisher ( whom according to the FCRA are required to provide only 100 % accurate information ), why is this information changing after each dispute? b ) THE DATA FURNISHER IS CLEARLY NOT REPORTING 100 % ACCURATE INFORMATION IF THE DATA CHANGES AFTER EACH DISPUTE, SO I QUESTION THE VALIDITY OF THE FURNISHER OF THIS INFORMATION REMOVE THESE ACCOUNTS IMMIDIATELY Because Bank XXXX XXXX is violating my federally protected consumer rights by reporting this INNACURATE information on my credit report! To further support my argument, I will also be attaching pages from XXXX credit report ( labeled XXXX from XX/XX/2022 and XXXX from XX/XX/2022 ) which shows how these XXXX accounts were being reported on both the other credit bureaus, and then were deleted from the other XXXX credit reporting agencies credit report ( XXXX and XXXX ) for unverifiable information. REMOVE THE ABOVE LISTED ACCOUNTS IMMIDIATELY FROM MY CREDIT REPORT This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial.
11/15/2022	No	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NY 10475	Web	Servicemember
I have been trying to dispute suspicious activity and unauthorized transactions on my Self Credit Card. I put money on this card with my money and it was supposed to be used to build my credit. I had just received a credit card and it was charged for multiple transactions I was not aware of. I called and disputed immediately also by email. The card was used XX/XX/XXXX and I did not use the card at all that day. My card was still trying to be charged even after I blocked it after XX/XX/XXXX by whoever had unauthorized access. Im not sure if its a way to track my location on that day from my phone and the day it was used or location to prove my identity but I am wrongfully being charged. I spoke to someone verbally and they only disputed the XXXX transactions from XXXX XXXX ( {$21.00} ) AND XXXX ( {$31.00} ) but I also did not authorize XXXX ( {$1.00} ) and XXXX XXXX ( {$1.00} ) and ( {$1.00} ) so it was a total of XXXX transactions in my account statement on XX/XX/XXXX unauthorized. Since this XXXX charges were so small at {$1.00}, I didnt emphasize it since I thought they were taking care of the main issue but in the recorded phone call I stated I did not use my card at all that day and those were the ones they disputed. The disputed charges went back on my card so I thought the dispute was taken care of. I used my card at this point after receiving a new one and had another fraudulent charge after from XXXX XXXX ( {$31.00} ) on XX/XX/XXXX. So I blocked it again and told the company to withhold my credit card at this point until I update my mailing address as I am not at the same residence anymore. The company added back the money that was disputed that I thought was taken care of after over 10 days on XX/XX/XXXX. When I seen this in the app. Customer service could not even locate the charges I was referring too initially then another representative the next day XX/XX/XXXX, told me that they concluded it was no error thats why it was added back. My card was also charged after blocking it and this information was given through the fraud alerts by email both times as well as a customer service representative. I expressed to them that I am a victim of fraud as I did not authorize the transactions listed and I wanted to pay some money towards my credit balance but I can not do so until this is resolved and I am shown the correct balance. The suspicious activity was shown by then where the card was being charged over {$200.00} and {$100.00} dollars initially and even after being blocked it was still being attempted to be used. The second time my card was still being attempted to be used when I blocked the new one XX/XX/XXXX after that date. That is XXXX of the ways that shows activity unauthorized. Furthermore, the charges are over my credit card limit of {$100.00} so I surely would not do that either. Lastly, I would not have used my new card at all had I known it was going to be concluded that there was no error. Since I used the card and then another false charge had to be disputed. Now, my credit card utilization is at 109 % and thats only because they gave me credit for the second dispute currently or itd be 140 % if they deem all the unauthorized charges as no error. My passwords and other information has been updated and Im working on preventing this from happening ever again. I was in the process of moving from where I was, as well, so I will have a new mailing address. Although, as a victim of fraud I am trying to get help from other resources at this point since the credit company that essentially is a prepaid credit card until I get an increased limit thinks there is no error. I asked the supervisor about what will be done differently the second time since they did not believe me the first time and to combine both disputes since the dates are so close together and maybe that could also prove the unauthorized activity. She stated she notated what I was saying and told me the I had valid reasons and notated the suspicious activity made. I was told it takes up to XXXX businesses to re-dispute, it took about 4 days for them to conclude the same thing. I need help disputing this as I could help prove it was not me, give the chance or help to show further my locations from an IP address or whatever can be done but I didnt have much to work with who the representatives spoken to and their knowledge of the process. I was given little information and just told to wait for results. I do not wish to use this company in the future at least for credit cards that will not do thorough investigation, that they claim to do, because they would see I did not authorize nor benefit from the transactions made per company statement.
04/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 397XX	Web
I do not recognize this debt & it is reporting on my credit report and causing negative impact to my credit profile. I cant not build a positive credit report because this debt from self lender is reporting on XXXX, XXXX, & XXXX. I was XXXX from XX/XX/XXXX- XX/XX/XXXX. I have no knowledge of this company or this account. This account was created fraudulently. It does not belong to me. I have also included The Fair Credit Reporting Act ( FCRA ) The FCRA was originally passed in 1970 to help ensure that the information on your credit reports is accurate, fair and private. Anyone who creates reports about consumers ( like credit reporting agencies, tenant screening companies, XXXX, etc. ) and anyone who furnishes information to a consumer reporting agency ( e.g. lenders, creditors, collection agencies, etc. ) has to follow the rules that are laid out in the FCRA. According to the FCRA, youre entitled to the following rights : Anytime information in a consumer report is used against you to deny an application for credit, employment or insurance or to charge you higher fees or premiums you have to be told. This is called an adverse action notice. You can request a copy of all of the information a consumer reporting agency has on file about you ( often free of charge ). Youre entitled to request a free copy of your credit report once every 12 months from each of the credit reporting agencies and each special consumer reporting agency. Youre allowed to request your credit score, but you might have to pay for it. If you find incomplete or incorrect information on a credit report or consumer report, you can dispute it and the consumer reporting agency has to investigate your claim. Any incorrect, incomplete or unverifiable information has to be fixed or erased from your consumer report ( credit reports included ) if you dispute an item and its not verified typically within 30 days. Negative information usually cant stay on your credit report for more than seven to 10 years, depending upon the item. Only someone with permissible purpose is allowed to access your credit file such as a company reviewing your credit application, an insurance provider, a landlord or an employer to whom you gave written permission. The credit bureaus can sell your credit information to card issuers and insurance providers for prescreened marketing purposes, unless you opt out. You can sue a consumer reporting agency, the credit bureaus or data furnishers if they violate any of your rights. The Fair Debt Collection Practices Act ( FDCPA ) The FDCPA was originally passed in 1977 to prevent debt collectors from being unfair, abusive or deceptive when they try to collect debts from consumers. The law, enforced by the Federal Trade Commission, applies to third-party debt collectors, like collection agencies or debt buyers, but typically not to original creditors. According to the FDCPA, youre entitled to the following rights : Debt collectors can only call you between 8 a.m. and 9 p.m. based on your local time zone, not where the debt collector is located. If you tell a debt collector you arent allowed to get calls at work, they cant call you there. You can mail a letter ( certified with a return receipt is best ) to ask a debt collector to stop contacting you. Be aware, this could trigger a debt collection lawsuit if thats the only way you leave a collection agency to collect the debt. Debt collectors arent allowed to talk about your debt with anyone other than you, your spouse or your attorney. But a debt collector can contact other people, typically just one time, to ask for your contact information. You have to receive a written notice from a debt collector that says how much you owe, the name of the creditor you owe and instructions on what you can do if you dont think a debt belongs to you. If youre contacted about a debt and you dont think you owe it, you can ask for the debt to be verified. Debt collectors can not : Threaten you Curse or use obscene language Harass you with repeated phone calls Lie about how much you owe Falsely claim to be an attorney or to work for the government Say youll be arrested if you dont pay Threaten legal action ( unless they really intend to sue you ) Charge interest or fees unless the original contract and/or state law allows it Deposit a post-dated check early Threaten to take ( or take ) your property without legal permission to do so Take money from your paycheck without a court order ( aka garnishment ) Seize money from your bank account without a court order You can sue a debt collector if it violates any of your rights.
04/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY XXXXX	Web
you have stated " Self Financial , Inc. is not a consumer reporting agency per the definition provided in the Fair Credit Reporting Act. Self is a data furnisher as we provide account information to the credit reporting agencies '' please understand AS stated pursuant to 12 CFR 1022.41 ( c ) ( 2 ) when acting as a consumer reporting agency you are not a furnisher, please take a look a exhibit ( 1 ) for example, a " bank '' or any company who shares information other than information on its own transactions or experiences is a consumer reporting agency, you are attempting to state pursuant to 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report is not a consumer report, the definition of consumer report is 15 U.S. Code 1681a ( d ) ( 1 ) means ANY written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living, My Identifying information pursuant to 12 CFR 1022.3 ( g ) ( 1 ) which is my name social security number, government identification number date of birth, pursuant to 12 CFR 1022.3 ( g ) 3 ) my account number which is a unique electronic identification number Used To identify me the consumer specifically, in conjunction with information regarding my transactions and experiences, which would be a consumer report pursuant to 15 U.S. Code 1681a ( d ) ( 1 ) ( A ) and Creditor is a consumer reporting agency due to the fact such information is bearing on my consumer credit worthiness, credit standing, credit capacity, character, general reputation, and was collected for the purpose of serving as a factor in establishing the consumers eligibility for credit and has a direct reflection on my credit score pursuant to 15 U.S. Code 1681g ( f ) ( 2 ) ( A ) ( i ) you have also stated " the information furnished to the credit reporting agencies is allowed per the Privacy disclosure and terms of service provided at loan consummation. The privacy policy and terms can be viewed online at XXXX XXXX XXXX. Self Financial '' you have violated the GLBA requirements as a financial institution because, All privacy policies are required to be delivered pursuant to 15 U.S. Code 6803 ( a ) ( 1 ) At the time of establishing a customer relationship with a consumer, a financial institution shall provide a clear and conspicuous disclosure to such consumer, of such financial institutions policies and practices with respect to disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless pursuant to 15 U.S. Code 6802 ( b ) ( 1 ) ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. An example of a privacy notice should look like this we Self Reporting will share your name ssn account number and ANY and all other information you share to us, payment history to XXXX XXXX XXXX, before we share this information to such parties you have the right to deny us to disclose your information, to enforce your rights of nondisclosure please call XXXX XXXX XXXX or email us at XXXX I was not given a clear and conspicuous disclosure that you would report to XXXX, XXXX, XXXX instead you made it seem as it was requirement of doing business with you, i was not given a opportunity before my information was disclosed to derelict you not to disclose my information to said parties, as well i was not given a clear and conspicuous explanation on how i can exercise my nondisclosure option It is not mandatory to share my information to any consumer reporting agency, i the consumer have a right to privacy pursuant to 15 U.S. Code 1681 ( 4 ), when sharing consumer information you must report accurate information does not supersede having consent prior
03/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76116	Web
I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. ATTN : XXXX XXXX, CEO/SELF FINANCIAL , INC . I HAVE REASON TO BELIEVE THAT I AM BEING EXTORTED BY YOUR COMPANY I, XXXX XXXX, consumer, natural person, and the original creditor of an open-end credit plan, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). SELF FINANCIAL, INC. d/b/a SELF, INC. has furnished false and misleading late payments to Account : XXXX as a way to coerce me to make on time payments. It is my belief that SELF FINANCIAL, INC. has been committing theft by deception. It is my belief that furnishing late payments without my lawful authority as a matter ruin my financial reputation constitutes extortion in accordance with 25 CFR 11.417. Pursuant to 15 U.S. Code 1666b ( a ), A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Congress has made it clear that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. SELF FINANCIAL , INC. 's failure to maintain the integrity of my nonpublic information has caused me substantial harm and inconvenience to my financial reputation due to fraud and identity theft. Congress has stated that unfair credit reporting undermines public confidence which congress has made clear, is essential to the continued functioning of the banking system. SELF FINANCIAL , INC. has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by SELF FINANCIAL , INC. before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency nor SELF FINANCIAL, INC. to furnish any late payments to my consumer report. It is my belief that due to your business relationship with consumer reporting agencies, such as XXXX, XXXX, XXXX, they parrot the information given to them by SELF FINANCIAL , INC. as a means of coercing consumers to pay debts that they allegedly owe. It is my belief that SELF FINANCIAL, INC. has been using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me and my financial reputation. As defined in Title 18 U.S. Code 1961, knowingly, intentionally, with forethought and malice have been sending dividends but, in fact, making me believe that dividends were an invoice for services provided by SELF FINANCIAL , INC., which is embezzlement, theft by deception and extortion. Extortion, dealing in an obscene manner, and theft by deception all constitute XXXX XXXX. If found guilty, XXXX XXXX carries a criminal penalty of 20 years to life in prison. I am aware, that, in accordance with 16 C.F.R. 433.3. SELF FINANCIAL, INC. is not exempt from any claims or defenses as described in 16 C.F.R. 433.2 ( a ) as I may invoke my rights as the debtor in this consumer credit contract against SELF FINANCIAL , INC. for the unfair and deceptive practices herein as no contract after the date of XX/XX/XXXX is exempt from 16 C.F.R. 433.3. Certified Mail # : XXXX XXXX XXXX XXXX XXXX
08/31/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	MA 024XX	Web
I opened a Self Lender Credit Builder Account in 2021 in an attempt to build credit history and was making monthly ACH payments of {$25.00} to the account. On XX/XX/XXXX, I received an email that my account information had been changed so I was unable to log in. I immediately contacted Self as the email prompted me to for unauthorized change and waited. Days passed and no response or attempt to reach out came my way. I checked my bank and noticed that {$360.00} was withdrawn from my bank from Self Lender on XX/XX/XXXX. I immediately called Self customer service and I was in the call queue for over 45 minutes without ever being able to speak to somebody. I filed a dispute with my bank and reached out an additional 3 times to Self ( via Phone, Support Ticket, and XXXX ). Once again, days went by without a response. Finally, I received notification that my Self Lender account had been closed on my credit report ( once again, without any attempt to contact me ). Someone had finally looked at my account seemingly and I received an email prompting me to reset my password on XX/XX/XXXX, explaining that my personal email account was the account that was compromised. This is untrue, and I confirmed with XXXX that no access was granted to my email account. The unauthorized account access was unequivocally and solely on the Self Lender account, and it is hurtful that they tried to pin the blame on me as a consumer who has done nothing wrong. On XX/XX/XXXX, I then received a notification from XXXX XXXX that a new Credit Card had been opened with Self. This was done without my permission or authorization and has negatively affected my credit by reducing my credit age. Similarly, I received notification that I would receive the payout for my account, however, I would only receive a portion as they were going to deduct fees. This is unfair given they closed the account without my consultation and I am a victim in this situation so why should I be responsible for fees? They stated that they were only going to give me {$360.00} of my {$510.00} payout balance. On XX/XX/XXXX, I also sent an email to XXXX XXXX, CEO of Self Lender explaining my situation and requesting that the FULL payout amount of {$510.00} be applied to my account. A week later, The payout amount on my account increased to {$510.00} as it should be. Weeks went by and as of today 's date ( XX/XX/XXXX ), I still have not received a check for my payout amount or any money at all so I contacted Self again. They told me that I was only going to receive a {$30.00} refund and that I needed to send my bank statements for multiple banks to prove my identity to receive the payout. I questioned this and received an email back within a few minutes stating that they were able to verify without the information. This is very shady. I continued fighting for my money and they are refusing to cooperate whatsoever and are continually changing the numbers and can not seem to explain at any point why there are discrepancies or provide me any proof that they do not owe me the full amount of {$510.00}. The most proof they have given me is an email in which they typed out that my original payout amount should be {$230.00} ( another random number ) and gave me a long spiel about how they are removing all but {$30.00} for fees, which again I feel I shouldnt have to pay given the situation. I kept asking them to confirm my account numbers, provide proof of their payout calculations and explain why my Self Lender credit account shows that my payout is {$510.00}. They keep avoiding my requests. Following my original letter, they upped my payout to the correct amount of {$510.00} so it doesnt make sense! Self has shown itself to prey on consumers with predatory business practices and doing all they can to avoid giving their consumers their hard-earned money back. Not only was my money stolen from me, but their only attempts to contact me were made to an unknown phone number and email that were on my account ( presumably added by whomever compromised my account ). I have tried everything to get my money back and they are refusing the cooperate in any instance while also being completely incapable of explaining the discrepancies, providing any proof, and just stalling until their consumers give up. There are hundreds of XXXX complaints with similar situations and I will continue to fight to have my {$510.00} payout returned to me.
04/28/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	IL 60565	Web
Hello. On XXXX XXXX XXXX I received an e-mail from Self Financial stating that my card has been locked. A few minutes later, I received another e-mail stating the following : " During a routine review of your Self account we have determined that well need some further documentation from you in order to complete that review. Verifying your identity and payment information helps us keep your account secure and is required by law. In order to complete this request, please upload the listed documents to your profile here. State Issued Identification Card Bank Statement ending in XXXX If youre unable to provide one or all of these documents, see this Help page which lists alternatives and explains our requests. In order to verify your account and complete our review, well need to receive your files within 15 days of this request. If we dont receive your documents by the 15 day deadline, well need to close your account. '' I called the Company immediately and went through the documents that they requested. I sent them in that day ( my bank statement and my ID ). I called the Company to ask for an update. The service reps said that it was being handled by a special department and I was on hold for 1.25 hours while I waited for the connection to be made. Once I was put through, the fraud department asked again for the paperwork and I again sent it in. I was told that they would confirm it and that this would be resolved within 5-10 business days. The next day, XXXX XXXX XXXX I was sent another e-mail stating that my account would close by XXXX that evening. " Your Self Visa Credit Card Account is Scheduled to Close Hi XXXX, Were in the process of closing your Self Visa Credit Card. You can expect the account closure to be completed by XXXX CT and you will receive an email to confirm the account is closed. If you did not request an account closure, please contact us as soon as possible. Our support team is available until XXXX CT. '' Since I did not request a closure and I was doing everything I could to prevent it, I then spent almost half the day talking to reps at Self who told me to ignore that e-mail and that, having submitted the paperwork, it was just a matter of a few days and it would be cleared. On XX/XX/2023, at XXXX XXXX, I received this e-mail : " Self Visa Credit Card : Your account has been closed Hi XXXX, We are contacting you to let you know that your Self Visa Credit Card account has been closed. If you owe money on your card, your credit card security deposit will be used to pay off this amount. Any remaining security deposit funds will be returned to your Credit Builder Account if possible. If your Credit Builder Account is closed, or we are unable to move the fund to your Credit Builder Account, any remaining funds will be returned using the payout preference we have on file in approximately 14 calendar days. Please note that outstanding transactions or payments may result in additional payout processing time. If the money owed on your card exceeds your security deposit amount, you will be required to payoff your remaining balance. Regards, The Self Team self.inc '' They then closed my " credit builder '' account : " Self : your credit builder loan is canceled Hi XXXX, After carefully reviewing your customer profile, we have decided to cancel your Credit Builder Account with XXXXXXXX XXXX XXXX Please let us know if you have any questions or concerns regarding this notice. Sincerely, Self Team self.inc '' I have worked hard for the last 7 years to turn my credit around. I put a lot of time and money into the SELF credit card system -- XXXX securing my line and then gradually having it build. I am not sure why this is happening but I really can't afford to lose my credit cards. I have never been late and I have always paid my bills from the same account. I would like to request that this be investigated. A company should not be able to unilaterally close your account for unknown reasons, refuse to inform you as to why, and ignore its own terms and e-mails ( " you have 15 days '' to submit this paperwork- only to close the account the next day. '' ) Thank you for taking the time to review this. I am at your disposal for any information or assistance needed. Thank you, XXXX XXXX ( XXXX )
02/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 122XX	Web	Servicemember
I am writing because my most recent credit report contains a late payment of {$7.00}. Reported on XX/XX/2021. I want to make it clear that I understand my financial obligations with any creditor. If it weren't for me not being aware of autopay being disabled automatically after XXXX XXXX MATURED and turned off automatically by SELF LENDER INC notifying or advertising this. I would not have a late payment on my credit report and would not process a claim at CFPB reporting this issue, and after many attempts to solve this issue with them directly. I was unaware of this and assumed autopay would stay on. I'd have an excellent repayment record. I fell behind with that specific payment because of autopay being disabled automatically without my consent. Since then, I have turned on autopay again. Since then, I've had a spotless record of on-time payments with over 40 creditors, including auto loans. I'm planning to apply for a mortgage, and it's come to my attention that the missed payment on my record because of an action this company took on my account will hurt my ability to qualify for any future loans. I truly believe that it doesn't reflect my creditworthiness and commitment to repaying my debts. After making numerous attempts to contact Self lender over the phone, having customer service agents disconnect the call purposely after listening to my circumstances and poor customer service skills. I sent an email to the dispute team at Self Lender, and this is their response ; On Tue, XX/XX/2021 at XXXX XXXX Disputes XXXX wrote XXXX Hello *******, Thank you for your request, all goodwill adjustments are reviewed and individually verified. Unfortunately, we will not be able to honor your request to alter reporting at this time. Self Financial, Inc ( Self. ) is required by federal regulation to maintain accurate & factual reporting. Therefore, we can not remove any accurate reporting that has occurred. We offer our customers a 15-day grace period before a late fee is assessed on your account, and payments will be reported to the Credit Bureaus when it is 30 days overdue. We send all communications electronically to the email address on file to alert you when your account payment is due, 1 day past due, 15 days past due, and 30 days past due, as well as any failed payment alerts, etc., please ensure that your email address on file is up to date to receive these notifications. If you are ever having difficulties making payments due to extenuating circumstances, please give us a call before your account reaches 30 days past due XXXX, XXXX Central at XXXX, so the support team can provide you with account options at that time. Please let me know if you have any other questions. Best, XXXX How would you rate my reply? Great Okay, Not Good -- XXXX XXXX Get answers to common questions : https : //help.self.inc Disclaimer : The information provided by Self Financial and accompanying material is for informational purposes only. It should not be considered legal or financial advice. You should consult with an attorney or other professional to determine what may be best for your individual needs. Please do not write sensitive information such as your account information, social security number, or payment information in the body of this email communication. If you need to submit the requested documentation, please include the document as an attachment. *********************************** Self Financial, Inc ( Self. ) is required by federal regulation to maintain accurate & factual reporting ; therefore, we can not remove any accurate reporting that has occurred??? Sounds like a generated email to me and did not took time to investigate and look over issues from their end. Federal Regulation rules are made to control how something is done or the way people behave. It regulates activity or process, usually through rules. So this can be implied to them as well. Now under my circumstances, turning off my autopay after a XXXX XXXX MATURED and not notifying or even advertising this action in their websites, or " fine print '' is not business tactics that are proper to the consumer. I use my autopay for all my bills for a reason, mainly because I am a service member!
06/29/2021	Yes	Checking or savings account CD (Certificate of Deposit)	Closing an account Funds not received from closed account	OR 972XX	Web	Servicemember
Following the promises in their advertising on XXXX I agreed to open and pay monthly on a self funded loan through Self Financial of Texas. I verified my identity at the opening of the account and made the payment to start the process along with an an administration fee. As things change over time I accelerated the payment into the CD faster to pay off the obligation to the program. Using 2 different debit cards to make sure payments were guaranteed and immediate. Self Inc. accepted those payments and continued top accept every cash payment I made before any payment is or was due. I needed to get out of this program which is clearly listed as possible with no problem. Their website states to just call their team and close the account and the CD will date will be mature earlier and funds will be paid out " immediate '' to the card or account of your choice after linkage of the account. My account did close, the pay out tracker did initiate a timeline for pay out which was XX/XX/2021. However, the timeline never changes, and the site now requests substantial documentation for more of my confidential and personal financial papers. Copies/pictures of debit cards, copies of bank statements, pictures of identification, pictures of my face. Which as a person who was sent to bankruptcy for identity theft from a financial company data breach 10 years ago makes me furious. I uploaded redacted copies of the some of the documents I felt necessary for their purposes of issuing payment to me. They stated review occurs within 3 days of submission. Its now been 2 weeks since the account closed. the timeline tracker issued a payout date, and still no review. I called their corporate telephone number only to SURPRISE! we don't accept phone calls. This is another company with your all your information, your money, now your documents, and absolutely no communication or way to reach out for help. Sound familiar? XXXX, XXXXXXXX XXXX XXXX XXXXXXXX???? / I have gone to my bank XXXX XXXX and XXXX XXXX to ask for the money to be recalled to end ANOTHER nightmare with a XXXX company that promotes itself using trusted U.S. Banking Institution names to XXXX you in. XXXX XXXX, XXXX XXXX, etc. However, this while not illegal, is bate for false security in trust. I can not call XXXX XXXX to inquire about this account. Nor XXXX XXXX. The cash taker, holder, and non repayer is a XXXX who in most States operates outside the control of the Banking Regulators and Commission. This is another case of where regulation and Class Action makes sense. Oregon Department of Consumer Finance/Attorney General heard my complaint today virtually. Im asking that although I am just one of the caught fish these companies pray on and then abuse, I am the ONE who will follow through with the interviews and complaints on behalf of those that are unable to defend and go after those like Self Inc of TX. Trust is a very personal request of any human being. This company only wants trust from you. So you send in more money. I can afford to lose the XXXX bucks for the rest of my life, I can not afford nor will I allow another of these XXXX companies to parade themself as a Banking Lender when the truth is they are using Sweep Accounts THEY hold at partner banks. The partnership is not one Im included in. XXXX does that legally to my brokerage account. However, THEY TELL ME and I HAVE ACCESS TO ALL MY MONEY. These sweep accounts are not the customers. They belong to Self Inc. In its simplest form this is false advertising, and a round about crime of Theft By Deception. If they take the money, you cant get it back, and you go to the Bank they list as your account, only to be told the account isn't actually in your name, that's Deception, and in the end that's THEFT. Now how many customers is this happening to? Class Action is the FIRST step, CFPB Investigation is SECOND, and Closing down is the FINAL step. Ihese idiots just cant seem to do what they tell people. None of them : XXXX, XXXX, XXXX, XXXX XXXX and now SELF INC. Some of these " borrowers '' have no recourse ability. Lets ' give them some help.
11/14/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	AR 721XX	Web
XXXX, XXXX XXXX : certified # XXXX XXXX, XXXX XXXX certified # XXXX XXXX REQUESTING CFPB TO PROTECT ME FROM THIS CROOKED CORPORATION!!!!!! I requested self financial to furnish me my disclosures that gave them permission to disclose my Nonpublic personal information to nonaffliated third parties and they have not furnished me my information at my specified address XXXXXXXX XXXX XXXX XXXX XXXX Ar XXXX. As a Federally protected consumer before any financial institution disclose any XXXX the financial instuistion either has provide/or has provided my notices pursuant to 15 usc 6802 that complies with 15 usc 6803. Self financial lead bank has done neither. Secondly was going over my consumer reports and notice self financial lead bank is reporting transactions to my consumer reports that by law is excluded. i have spoken to XXXX XXXX on different occasion and both times i contacted supervisor XXXX both times answered the call. I allowed self an opportunity to cure by removing these alleged tranactions but XXXX said according to self polices we have to he stated XXXX XXXXXXXX we have no authority to remove these tranactions off your consumer report call the CRAs and i said you furnished the information to the CRAs and you say such stuff. i made the agent aware of their inaccurate reporting by showing the law under Consumer Credit Protection Act ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; i told them that transaction are excluded from consumer reports and i said that im allegedly suppose to be late i spoke with the supervisor and said the only way you can consider something late. 15 usc 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.XXXX was unable to give me the certified tracking to prove that they mailed or delivered 21 days before the due date and also he failed to comply to 15 usc 1637b on recored line XXXX said they dont have 15 usc 1637b on file email me and i said if you havent complied with Federal law as a financial institution than you cant treat any payment as late unless you comply with 15 usc 1637b i sent mail XX/XX/2023 i havent received nothin the mail and by law they had 30 days and they still failed to remove this account off my consumer report 15 usc 1681 ( I ) ( 6 ) ( b ) ( iii ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I havent received nothing in the XXXX days from this company and this document was sworn under penalty of perjury and notarized***** Accounts # XXXX accounts # XXXX
11/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 43219	Web
To whom it may concern : I received a statement from your company requesting of a payment from in the amount of {$110.00}. I am willing to pay off this account in the full amount of {$110.00}, together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. Your company has wrongfully taken my {$500.00} from my self credit builder account, I did not authorize this transaction and it is theft. Per your arbitration agreement, any and ALL disputes will be settled through arbitration, not by stealing funds from other sources. According to 12 U.S.Code 83, " No national bank shall make any loan or discount on the security of the shares of its own capital stock ''. No money, devices, or services were loaned by SELF FINANCIAL/LEAD BANK to XXXX XXXX XXXX I request documentary evidence on account ending in XXXX, pursuant to 15 U.S Code 44 which states that it must include all documents, papers, correspondence, books of account, and financial and corporate records which involve all derives, assignees, hypothecations in connection with my all-caps name. I require this clarification in order to address the billing error for the amount shown in Exhibit ( A ). I need clarification as to who funded the account and how much is owed according to the journal and ledger entries from the date of opening of this account as described in IRS Publication XXXX as the XXXX On the public and private side showing accounts receivable and payable. I need clarification as to why you are reporting certain information on my credit report. Please review the account. You have my account reporting as Charged off to the credit reporting agencies, restricted in app, yet you report a monthly payment? Delete this account immediately for inaccurate reporting or reopen my account and report as paid. The FCRA and Regulation V violations include the following : ( XXXX ) Respondent failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) 2 ), 15 U.S.C. 1681s-2 ( a ) X2 ) ; ( 2 ) Respondent furnished information to CRAs about severely delinquent or charged-off accounts but failed to furnish Dates of First Delinquency ( DOFDs ) for those accounts, in violation the FCRA {$620.00} ( a ) X5 ). 15 U.S.C.1681s-2 ( a ) ( 5 ) ; ( 3 ) Respondent failed to modify or delete information disputed by consumers that Respondent found to be inaccurate, in violation of the FCRA 623 ( a ) ( 8 ) NE ) and 623 ( b ) ( 1XE ), 15 U.S.C. S 1681s-2 ( a ) ( 8 ) NE ) and ( bX1 ) ( E ) ; ( 4 ) Respondent lacked reasonable procedures to respond to notifications from CRAs indicating previously furnished information was the result of identity theft and therefore must be blocked from an identity theft victim 's credit report, and reported information to CRAs after consumers submitted identity theft reports at the address specified by Respondent for receiving such reports without subsequently knowing or being informed by the consumer that the information was correct, in violation of the FCRA 623 ( a ) ( 6 ), 15 U.S.C. 1681s-2 ( a ) ( 6 ) ; As far as damages, I have suffered statutory, actual and punitive damages. Statutory damages I am entitled to {$1000.00} per 15 USC 1681n ( a ) ( 1 ) ( A ). As far as actual damages, I have suffered denials due to excessive chargeoffs per SELF FINANCIAL/LEAD BANK and Credit reporting agencies inaccurate reporting and failure to perform a reasonable investigation per 15 USC 1681o ( a ) ( 1 ). If SELF FINANCIAL/LEAD BANK and the credit reporting agencies wouldnt have falsely reported a wrongfully charged off account, then I would never have been denied in the exhibit attached.
06/24/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	NY 11510	Web
Consumer Financial Protection Bureau Attn : Complaints Division XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Deletion of Reporting Under 15 USC 1692 and 15 USC 1681 Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a matter of great concern regarding inaccurate reporting by a credit reporting agency. I have made multiple attempts to resolve this issue directly with the credit reporting agency to no avail. As a result, I kindly request your intervention and assistance in addressing this matter by the provisions outlined in 15 USC 1692, 15 USC 1681, and their respective subsections. According to my knowledge and understanding of the Fair Debt Collection Practices Act ( 15 USC 1692 ), I am entitled to accurate reporting and fair treatment as a consumer. However, the credit reporting agency in question has persistently failed to correct inaccurate information on my credit report, as required by 15 USC 1681 ( e ). This has had a significant negative impact on my financial well-being and creditworthiness. I believe the following sections of the United States Code are particularly relevant to my case : 1. 15 USC 1692 ( G ) : Prohibition of unfair practices by debt collectors. 2. 15 USC 1692 ( I ) : False or misleading representations by debt collectors. 3. 15 USC 1692 ( E ) : False or misleading representations and unfair practices by debt collectors. Furthermore, the credit reporting agency 's actions may also violate the Fair Credit Reporting Act ( 15 USC 1681 ). The sections that are pertinent to my case are as follows : 1. 15 USC 1681 ( e ) : Compliance with reasonable procedures to assure maximum possible accuracy of consumer report information. 2. 15 USC 1681 ( s ) ( 2 ) : Duties of furnishers of information to consumer reporting agencies. 3. 15 USC 1681 ( s ) ( 2 ) ( b ) : Duties of furnishers of information upon notice of dispute. 4. 15 USC 1681 ( i ) ( 5 ) : Procedures for handling consumer disputes. Despite my repeated attempts to rectify the inaccuracies through direct communication with the credit reporting agency, they have failed to take appropriate action. Therefore, I am seeking your intervention to ensure that the agency complies with its legal obligations under the aforementioned statutes and rectifies the inaccurate reporting. I kindly request that the Consumer Financial Protection Bureau undertake a thorough investigation into this matter and use its authority to compel the credit reporting agency to delete the inaccurate reporting from my credit file. Additionally, I would appreciate any assistance you can provide in facilitating the resolution of this issue, which has had severe implications on my financial standing and overall well-being. Enclosed with this letter, please find copies of relevant documentation, including correspondence with the credit reporting agency and any supporting evidence that substantiates my claim. I believe this evidence will further emphasize the urgency and importance of addressing this matter promptly. I appreciate your attention to this matter and I am confident in the Consumer Financial Protection Bureau 's commitment to protecting consumer rights. I kindly request that you acknowledge receipt of this letter and provide me with an update on the status of my complaint. Should you require any additional information or documentation, please do not hesitate to contact me at the address provided above or via email at XXXX. Thank you for your time, consideration, and assistance in this matter. I look forward to a favorable resolution to ensure the accuracy of my credit report. Yours sincerely, [ Your Name ]
08/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 95928	Web	Servicemember
According to my credit report dated XX/XX/XXXX, Self Financial Inc. has continued to leave negative marks on my credit report for an account that was originally current for over a year with no missed payments that i later closed as a an account that was current with no Miss payment more than a year. This conduct is in violation of the FDCPA, which prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt ( 1692e ), and from designing, compiling, and furnishing any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating ( 1692j ). XXXX Submitted to the CFPB on XX/XX/XXXX The company responded as follows ; XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA XXXX RE : Consumer Financial Protection Bureau Complaint Case # XXXX Dear XXXX XXXX XXXX XXXX We are in receipt of your recent complaint filed through the Consumer Financial Protection Bureau ( CFPB ) expressing your concerns regarding your credit report. Upon receipt of your complaint a thorough investigation was completed into this matter. Please find below a summary of what transpired and our findings regarding your account. A Credit Builder Account was opened on XX/XX/XXXX with a loan agreement electronically signed by XXXX XXXX that stated 24 monthly payments of {$25.00} were due beginning on XX/XX/XXXX. There were 9 successful payments made to the account with the last payment posting on XX/XX/XXXX in the amount of {$30.00} using an ACH ending in XXXX. There were 2 failed payment attempts on XX/XX/XXXX and XX/XX/XXXX. Your CBA was first reported delinquent to credit reporting agencies on XX/XX/XXXX as a result of missing your XXXX minimum amount due. Your CBA was closed on XX/XX/XXXX due to non-payment. The accounts you have opened with Self Financial , Inc. have all been reported accurately and within the guidelines set forth by the Fair Credit Reporting Act. Prior to all late reporting you received statements advising of due dates and the minimum payment amount. We also sent emails advising you of missed payments and stating if the account went 30+ days past due it would be reported to the credit reporting agencies. You can view all statements by logging into your account via our website or mobile app. We appreciate the opportunity you have afforded us to address your concerns. Please be assured that Self Financial , Inc. makes every attempt to resolve issues our customers have in a timely manner. Should you have any further questions, please feel free to contact our Customer Success team by telephone ( XXXX ), email ( XXXX ), or live chat. Sincerely, Self Financial Team My credit file shows a different account. It show that this account was opened on XX/XX/XXXX. That it's highest balance was {$1700.00} And that the account was closed XXXX. XXXX, XXXX Even after the account is closed on that date it has continued to be marked each month as late. This has negativity impacted my score and the false reporting of a closed account that was never late is still being reported as delinquent for more than a year. This was a PREPAID account that was paid each month on time. The PREPAID balance was used and the account was closed. There was never a late payment and the information that has been reported and continues to be reported is adversely effecting my credit with inaccurate information and must be removed immediately.
08/13/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	IL 600XX	Web
Self terminated the consumer account. Per 12 CFR 1026.11 any consumer account termination that results in a balance over {$1.00} is due to the consumer. Self has not tried to refund any of the proceeds from this consumer account. 1026.11 Treatment of credit balances ; account termination. ( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. ( b ) Account termination. ( XXXX ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge. ( XXXX ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance. ( c ) Timely settlement of estate debts ( XXXX ) General rule. ( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner. ( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account. ( XXXX ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner. ( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely. ( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( XXXX ). ( ii ) Limitation on trailing or residual interest. A card issuer must waive or rebate any additional finance charge due to a periodic interest rate if payment in full of the balance disclosed pursuant to paragraph ( c ) ( XXXX ) of this section is received within 30 days after disclosure.
01/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20901	Web
Both the XXXX Atlantic Capital Bank and the XXXX XXXX items are fraud. The XXXX XXXX has been declared fraud and removed from my XXXX. The executive office at XXXX thought otherwise but refused to digital communicate and must be engaging in some kind of telenet telephonic extortion over the phone networks, using the credit reporting as extortion leverage. XXXX Atlantic Capital Bank did exactly the same thing when SouthState Bank was acquired, and I all of a sudden had an illegal reporting of my Secured Credit Card Builder Account and I had to close it down because they were illegally reporting themselves, the account, and illegally and fraudulently reporting that it was a loan. They attacked my credit and have damaged my credit, and I have almost no truly missed payments, just the insinuation falsely and everything paid off or ahead of time. Once both of these are removed, my credit score should be much higher, but it is eggregious that I have had to deal with almost a year of defamation because of this in the lenders accounts, and it falsely damages my ability to get a loan, go back to college, as well as retain employment. It is a major problem when this is the result of racketeering. All of the credit reporting agencies are for some reason charging subscriptions to get your score, even though that is illegal and against the law. They also have falsely carried out these investigations at too slow a rate, and it has caused me to lose my XXXX XXXX XXXX, and even that was fraudulently closed due to error because of a payment that went through LATE on THEIR END, and caused a bounce, which legally and financially legally writing, IS NOT MY FAULT and THEIR LIABILITY. Their is an open XXXX XXXX Case with that as well which they should be compensating over {$7500.00} Inquiry Dispute based upon their terms and conditions, of which they have violated. I am dealing with a State of Maryland case that is rolling over and there are probably going to be this many Federal filings filed, because this many crimes occurred IN AN INCIDENT of 9 days. TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
02/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75044	Web
To Whom It May Concern : I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. About 30 days ago I requested an investigation because I felt the item ( s ) below were not being reported legally. A couple of days ago I received a letter stating that your investigation was complete and the items listed above were Verified. This letter is my formation request for you to explain to me how you conducted your investigation and for you to provide me your method of verification. Your response should to me should include the following at a minimum. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? What certified documents were reviewed to conclude your investigation? Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. What did it cost your company to obtain the documents needed to complete your investigation? Please provide proof of your timely procurement of certified documents. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? If yes to above : Who did you speak to? On what date? How long was the conversation? What was their position? What telephone number did you call? What is the name of the employee of your company that spoke directly to the above party? What is the position of the employee of your company that spoke directly to the above party? How long has that employee been employed by your company? What formal training was provided to this employee to investigate items of this kind? Was there any e-mail or written communication between members of your company and the above party? Provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question. Provide the date of the commencement of delinquency. Provide the SPECIFIC date reporting that these items will cease. Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response. My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above-requested deletion or requested/required documentation of your investigation, I will pursue the enforcement of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial.
07/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 464XX	Web
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. ail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. This is my third time disputing the following accounts reporting on my credit report. According to15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies section ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. DUE TO MY SOCIAL SECURITY NUMBER IS WRONG, YOU ARE REPORTING OF MY LAST 4 XXXX XXXX XXXX AND THE CORRECT LAST FOR OF MY SSN IS ( XXXX ) The following account was not made by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( PAID AND CLOSED ) UNIVERIFIED As I sated in previous dispute these account wasn't made by me, so these account is reporting inaccurate on my report which my credit report as inaccuracy and need to be removed, it's affecting my life and my privacy XXXX XXXX
11/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 20901	Web
I tried to open a XXXX Secured Credit Card. They attacked my credit score after refusing to close the account, and insisting that I pay the monthly installment for a card I didn't have, that they were reporting to the credit bureaus as a secured loan. This is illegal. I did not have any funds, nor were any provided to me. They used this as a mechanism to threaten me and my credit score. I never received a card and never agreed to a loan, I agreed to a Secured Credit Card, of which they did not send me, and committed fraud, effectively flicking me off, and creating a loan application on my credit report, and then pretending I wasn't paying the loan. It is extremely illegal, and credit fraud, loan fraud, credit reporting fraud, credit score fraud and extortion. Disputed information accurate. Updated account information unrelated to the dispute : The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Consumer 's dispute not specific. Consumer Information verified. Account information updated : Information on your report has been updated. The Results Of Our Reinvestigation Credit Account Information ( For your security, the last 4 digits of account number ( s ) have been replaced by * ) ( This section includes open and closed accounts reported by credit grantors ) Account History Status Code Descriptions 1 : XXXX Days Past Due 2 : XXXX Days Past Due 3 : XXXX Days Past Due 4 : XXXX Days Past Due 5 : XXXX Days Past Due 6 : XXXX or More Days Past Due G : Collection Account H : Foreclosure XXXX : Voluntary Surrender K : Repossession L : Charge Off XXXX The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Account # - XXXX The results are : WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED. ADDITIONAL INFORMATION ( Continued On Next Page ) XXXX Page XXXX of XXXX XXXX HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : BALANCE SCHEDULED PAYMENT DATE OF LAST PAYMENT CLOSED DATE *ACTIVITY DESIGNATOR. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Account Number XXXX Date of Last Reported Update XX/XX/XXXX Status Date Opened XX/XX/XXXX High Credit Credit Limit Terms Duration Terms Frequency Monthly Months Revd Activity Designator Creditor Classification XXXX Paid and Closed {$1600.00} 12 Months Balance Amount {$0.00} Amount Past Due Date of Last Payment XX/XX/XXXX Actual Payment Amount Type of Loan Secured Scheduled Payment Amount Date of XXXX Delinquency Date of Last Activity Date XXXX XXXX. XXXX Rptd Charge Off Amount Deferred Pay Balloon Pay Balloon Pay Date Date Closed XX/XX/XXXX Type of Account Installment XX/XX/XXXX Whose Account Individual Account Portfolio Indicator Start Date Amount XXXX Status Pays As Agreed ADDITIONAL INFORMATION : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Historical Account Information Balance Scheduled Payment Amount Actual Payment Amount Date of Last Payment High Credit Credit Limit Amount Past Due Type of Loan Activity Designator No Data Available {$1600.00} {$150.00} {$1600.00} Secured {$1600.00} {$150.00} {$1600.00} Secured
06/05/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	FL XXXXX	Web
SELF FINANCIAL who's SELF Credit Card is issued by XXXX XXXX is using deceptive practices and tactics for coercing customers forcing them to receive only electronic statements and no option to opt-out of the electronic statements. They provide no option for paper statements and remittance coupon for payment. As a Bank/Financial Institution they are required to provide the option of paper statements. SELF FINANCIAL also limits the form of payments they accept. They have a duty to accept all forms of monies since they are operating as a financial institution and as a Bank. Pursuant to 12 U.S. Code 615 - Powers of corporation : Each corporation organized as provided in sections 611 to 614 of this title shall have power, under such rules and regulations as the Board of Governors of the Federal Reserve System may prescribe : ( a ) Dealings in drafts, checks, bills of exchange, acceptances, and other evidences of indebtedness ; purchase and sale of securities ; letters of credit ; purchase and sale of coin, bullion, and exchange ; borrowing and loaning money ; issue of debentures, bonds, and notes ; deposits ; limitation of liabilities ; reserves To purchase, sell, discount, and negotiate, with or without its indorsement or guaranty, notes, drafts, checks, bills of exchange, acceptances, including bankers acceptances, cable transfers, and other evidences of indebtedness ; to purchase and sell, with or without its indorsement or guaranty, securities, including the obligations of the United States or of any State thereof but not including shares of stock in any corporation except as herein provided ; to accept bills or drafts drawn upon it subject to such limitations and restrictions as the Board of Governors of the Federal Reserve System may impose ; to issue letters of credit ; to purchase and sell coin, bullion, and exchange ; to borrow and to lend money ; to issue debentures, bonds, and promissory notes under such general conditions as to security and such limitations as the Board of Governors of the Federal Reserve System may prescribe ; to receive deposits outside of the United States and to receive only such deposits within the United States as may be incidental to or for the purpose of carrying out transactions in foreign countries or dependencies or insular possessions of the United States ; and generally to exercise such powers as are incidental to the power conferred by this Act or as may be usual, in the determination of the Board of Governors of the Federal Reserve System, in connection with the transaction of the business of banking or other financial operations in the countries, colonies, dependencies, or possessions in which it shall transact business and not inconsistent with the powers specifically granted herein. Nothing contained in this subchapter shall be construed to prohibit the Board of Governors of the Federal Reserve System, under its power to prescribe rules and regulations, from limiting the aggregate amount of liabilities of any or all classes incurred by the corporation and outstanding at any one time. Whenever a corporation organized under this subchapter receives deposits in the United States authorized by this subchapter, it shall carry reserves in such amounts as the Board of Governors of the Federal Reserve System may prescribe for member banks of the Federal Reserve System.
09/10/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 303XX	Web
I sent a paper dispute to XXXX, XXXX, and XXXX via certified mail about the account on my reports, Self/Lead Bank on XX/XX/XXXX. I've disputed many times online between XXXX and XXXX with the bureaus and the company. I have requested for the contract I signed to be sent to my home via US mail so that I may verify this account. Dispute results always state the information has been verified with the bureau by the company. I still have not received any documents which I've requested. The account is showing on my credit reports as current. It shows " Paid '' account status on the XXXX and XXXX reports and " closed '' on the XXXX report, but all reports show that payment status is current. How can a closed/paid account status be current when there have been no payments? I have no knowledge of this account and I have not verified the account. XXXX XXXX is on my XXXX and XXXX credit reports. The previous amounts owed and initial contact amounts are unverified. XXXX has a class action lawsuit filed for predatory and deceptive practices with customers. I have never signed any contracts with XXXX. I have disputed the accuracy of the account and the amount owed between XXXX and XXXX online and via US mail with bureaus and the company. Nothing has ever been sent to my home to verify this debt. This debt was included in a XXXX XXXX bankruptcy file on XX/XX/XXXX and discharged on XX/XX/XXXX. All other accounts included and this bankruptcy have been removed from my credit reports but this account remains with inaccurate dates and amounts owed and re-reporting. I still have not received any documents which I've requested. I have not verified the account. The XXXX XXXX XXXX is reporting to my XXXX report as a derogatory '' collection/charge off, '' My XXXX report as a derogatory " account closed due to transfer. Debtincluded in or is charged through Bankruptcy XXXX XXXX, XXXX. Sold to XXXX XXXX XXXX '', and my XXXX report as Open and " current ''. I have been disputing this account online and via email from XXXX to XXXX with the bureaus and the company. Account statements change, The account changes from open to closed, then closed to open. How can an account that has been discharged in a XXXX XXXX bankruptcy be open and current or have any other description outside of " discharged in XXXX XXXX bankruptcy ''? Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that I be disclosed all the documents that have been recorded and retained in the bureaus/company 's files at the time of my request concerning the accounts that are reporting in my credit reports. If there isn't any documentation in the files to verify the accuracy of the disputed accounts, they should be deleted immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties these bureaus are damaging my reputation and creditworthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. In two years of disputes, the bureaus and companies have been unable to provide me with a copy of the verifiable proof that they have on file for each of the accounts listed above within 30 days of all my dispute letters/attempts. Therefore, these bureaus must remove these accounts from my credit reports.
03/28/2023	Yes	Checking or savings account Savings account	Closing an account Funds not received from closed account	DC 20002	Web	Servicemember
Good afternoon, When I opened a 3rd Credit Builder savings account with XXXX XXXX XXXX XXXX, I was unaware that the funds would not be able to be added to the current secured credit card that I have with the company in order to increase my spending allowance and further assist with my credit building. I was able to do so once before after the initial setup of the credit card from my first savings account. When I read that there was a limit to the amount that I could have for the secured credit card limit, I requested to close the Credit Builder savings account and requested that the funds be returned. I read all of the information on the app and website regarding closing the savings account early. I followed those steps and closed the account on XX/XX/XXXX. I received an email from Self Financial, Inc. on XX/XX/XXXX stating that he account was closed successfully and that I would receive the {$860.00} funds that I paid to them on XX/XX/XXXX. On XX/XX/XXXX I received an email from Self stating that my account was under review and that they would close the account if I did not provide them with a wealth of very personal information that would put me in extreme jeopardy for identity theft. The email requested the following documents, none of which I had to provide when I opened the account ( besides my SSN for them to do a credit check ). State Issued Identification Card Social Security Card Picture of Customer Holding ID Bank Statement ending in XXXX Bank Statement ending in XXXX Bank Statement ending in XXXX My first thought is that this was a hoax because I had never had a credit card company ask me for my bank statements. Secondly, I thought the account that they were referencing was the still open secured credit card account. I did not think the review and potential closure had anything to do with the " already '' closed Credit Builder savings account for which I had the email indicating it was already closed on XX/XX/XXXX. I called Self Customer Service to get a better understanding. I was informed by Customer Service that I would need to provide all of the requested documents from the email. I sent an email to " XXXX '' and to " XXXX '' to no avail. They both stated that I would need to provide all of the requested documents because the account was under review. I could not imagine that a credit card company would put me in jeopardy of identity theft by asking for all of my information when they already had my SS number and credit report, along with my rent and utility bills information. I did provide them a copy of my drivers license. I contacted customer service again after providing the picture ID. I was told that Self still needed all of those documents and even if I decided to let the account just close, I would still not be able to receive my money back until l provided the documents. After reading their requirements again, I noticed that it did state on their website that they could legally ask for more information to verify an account. However, it did not specify that they would ask for personal documents such as all of my bank statements. If I provided this information to them along with my SS card and picture ID, what is stopping them from wiping out all of my accounts.
07/07/2022	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	GA 30341	Web
SELF FINANCIAL is attempting to use extortionate means to conspire with the credit reporting agencies to coerce me to pay a debt that has already been paid through the access of my social security credit card. In their last correspondence SELF pro-ported that they will report a charge off to my consumer report if I do not pay a certain amount. 18 USC 891 clearly states ( 6 ) An extortionate extension of credit is any extension of credit with respect to which it is the understanding of the creditor and the debtor at the time it is made that delay in making repayment or failure to make repayment could result in the use of violence or other criminal means to cause harm to the person, reputation, or property of any person. SELF has threatened violent action ( reporting a charge off to my consumer report ) which would cause harm to me the natural person and my reputation. My credit report is part of my reputation and using psychological XXXX against me to coerce me into making a payment is extortionate means. I came across a publication that describes psychological XXXX as : Psychological XXXX ( also referred to as emotional or mental abuse ) includes verbal and non-verbal communication used with the intent to harm another person mentally or emotionally, or to exert control over another person. The impact of psychological XXXX can be just as significant as that of other, more physical forms of violence, as the perpetrator subjects the victim to behaviour which may result in some form of psychological trauma, such as anxiety, XXXX or XXXX XXXX XXXX. This includes, but is not limited to : expressive aggression ( e.g., humiliating and degrading ), coercive control ( e.g., limiting access to things or people, and excessive monitoring of a persons whereabouts or communications ), threats of physical or XXXX XXXX, control of reproductive or XXXX health, and exploitation of a persons vulnerability ( e.g., immigration status or XXXX ). This not only leads to mental health problems, but also to severe physical problems, such as psychosomatic disorders. Lastly, 18 USC 892 ( 6 ) clearly states ( a ) Whoever makes any extortionate extension of credit, or conspires to do so, shall be fined under this title or imprisoned not more than 20 years, or both. ( c ) In any prosecution under this section, if evidence has been introduced tending to show the existence of any of the circumstances described in subsection ( b ) ( 1 ) or ( b ) ( 2 ), and direct evidence of the actual belief of the debtor as to the creditors collection practices is not available, then for the purpose of showing the understanding of the debtor and the creditor at the time the extension of credit was made, the court may in its discretion allow evidence to be introduced tending to show the reputation as to collection practices of the creditor in any community of which the debtor was a member at the time of the extension. This means even if you dont think you are in violation the courts may allow evidence that can be brought against you showing your reputation of extortionate practices. SELF has used violent words to try and control me and this has caused me anxiety, stress, and XXXX. I will seek damages for this as well.
04/26/2022	No	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	OK 74055	Web
I opened a self credit builder account XX/XX/2020. I had paid {$48.00} per month into a savings account that is supposed to report positive credit payment history. I paid every single month on time. After the 3rd month of on time payments they use your money you've paid in for the deposit. At the end of the account before it was closed I had a credit limit of {$270.00}. I always paid my credit card balance in full. I started out at XXXX Credit score after the XXXX month of paying in the $ 48 monthly payment I was at XXXX. Then in XXXX my vehicle was stolen with my wallet social security cards drivers license credit cards debit cards including birth certificate and my credit score was just distroyed and is a whole XXXX score. There were multiple fraudulent charges made on my self credit card. It was completely maxed out and I had just paid off the balance prior to it being stolen so it was at {$0.00}. I had to dispute all the transactions and they had went through for the most part but there was a couple that didn't and was a balance of {$60.00} left due to that fact. During the dispute process I owed {$270.00} cause the fraudulent charges and was causing negative credit history to be reported to my account. And also due to my wallet being stolen I had no way to pay my monthly {$48.00} to self because my card were gone and caused me to have more negative payment history. It happened right towards the end of the month when my payment was due so my card being taken right before my payment is due is what caused me to miss the payment and then before the next month came I still haven't recovered oh my replacement cards and miss that payment as well and have been trying to contact the company regarding the matters and can not be resolved via phone support chat support avs email. In one of the emails I had contacted self explaining about my situation with my card being stolen in my wallet with my car and they completely disregarded my problems and insisted that I sent a picture of my driver 's license to verify the account due to this matter that I was explaining knowing my wallet was just stolen and that I couldn't do so because I didn't have a driver 's license so they closed my account. They are supposed to send a payment of the money that I paid in over the 10 months which comes to {$480.00} but they had only sent me {$110.00}. There saying the rest of that money I owed for something which is obviously incorrect because they are still saying I owe money so how did I get the {$110.00} if I still owe so didn't make sense. The {$60.00} from the fraud transactions should have been disputed and still to this very day in every month and they are still charging {$15.00} late fees and Reporting delinquent account every 30 days for not paying towards the fraudulent transactions from XXXX. Also there was a transaction for {$3000.00} for XXXX XXXX XXXX that went through when my credit limit is only {$270.00} thank you my credit utilization over 3000 % and hurt my credit score horribly and still nothing has been done about any of these problems that I've emailed them about countless and countless times and seems like they never even read it.
03/15/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	NY 13210	Web
On XX/XX/2023 I Was unaware that self financial sent an email telling me that I needed to verify my identity 3 years after opening my card. They are requesting that I send them a picture of my social security card picture of my ID picture of me with my ID as well as statements from Accounts that paid my self credit card bill ( I pay with two different accounts and they are only asking for one ). I didn't notice any issue until last week when I could not use my card. I called the company and they informed me that there was fraudulent activity and that I needed to let them know if I did indeed make these purchases which I did and they unlocked my card. A few days ago I realized my card was locked again I called them today XX/XX/2023 to ask them to unlock my card again I spoke to 2 customer service individuals as well as the supervisor on duty I was given multiple reasons why verification was needed. Reasons included the government wants to cut down on money laundering, security for customers, routine checks, And fraudulent transactions. Self financial told me that it was a CIP law in which it was the law for me to provide all of this information. When I looked the law up I read it as when you are opening an account verification is needed and the bank institution is to keep this verification on file for 5 years I did not at all read that years after opening an account I am to send my social security card and/or I d 's after my account has already been opened. I express my concern multiple times the 2nd time that I called the customer service agent hung up the phone on me. I told them that this seemed fraudulent and very Illegal. Before the customer service agent hung the phone up on me I ask how does the process of closing my account work. The agent told me that she would close my account. I told her I do not want you to close my account I want to know the process again she told me she would close my account. This worried me because I have a secured credit card with them and I want my deposit back so I asked what would happen to my deposit. She told me that they would keep my {$1000.00} deposit until I provided documentation of my Identity. I informed them I have never heard of this from IRS, from my XXXX XXXX Account or any other credit Institution. I am a single mom I am in the process of trying to get preapproved for a house. I was told by the customer service agent I am to provide the verification within 8 days or my account will be closed which means my credit score will go down and I will be out a {$1000.00}. Please help I would like to sue any and all I know that may not be possible but there are so many people that are being screwed from this company they need to understand this is completely illegal and they should not be able to do this anymore.thank you for your time. I have already reported them on the XXXX XXXX XXXX and to my surprise which it shouldn't be to my surprise there were many Complaints on how self has stolen money from their customers. I would appreciate if every last customer was made whole.thank you. SELF terms of service also state verification is needed when establishing credit not 3 years later.
05/25/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	MI 480XX	Web
I had several XXXX XXXX accounts and from those I was able to transfer money to a Credit Card Account. I paid a lump sum amount to bring the balance to XXXX, to close out my amount. After the amount processed I called in to close the account and then was asked to submit documents to keep my account going. I advised the representative I was no longer looking to keep the account active, hence me paying it in full and waiting for confirmation of the transaction processing. He stated ok, the submission of those documents would not apply to me and he proceeded to close my account and advised me I would receive a confirmation email. Once the email was received confirming my account closure and advising how long it would take to process I thought everything was ok. I also had a XXXX XXXX account that I paid off to close out and received a letter advising of the exact date to expect the funds from that account ( which I will submit a complaint about as well ). Once that date came and the funds were not deposited I called in to see why and was advised because someone in the company put a block on my account stating the documents were still needed. I advised them of my conversation with the first representative and that I was told they were not needed. I asked to speak to a supervisor and was told none was available. I called back received a supervisor who was not only rude but said that the funds from both accounts would not be released until the documents were provided. So I asked why and how were they going to now link both accounts together to keep my money after I received emails stating my find would be released. He was rude and snappy and I advised him I would be reaching out to my lawyer. I called my XXXX XXXX law firm and advised them of my issues. The representative was provided the emails I had received and then received the follow up email from the rude supervisor that came after I talked to them. Due to the company being in another state I was advised they needed me to speak with a lawyer in that state. Once I talked with them they advised me as an option to submit my complaint here. I have also done my reviews for both accounts and advised of how I have recommended the Self amounts to other people but after this experience would no longer and wouldn't return in the future. I then received an email back stating that my closed accounts were now under internal review with no timeframe being available to be provided as to how long the review would be. I called back to ask if they were telling me they were going to hold my money indefinitely and was basically told yes. I have gathered all emails so that I could submit these complaints properly. I even advised them I had the money and could've kept it but have XXXX kids in the process of graduating, a son who just left for XXXX XXXXXXXX and things going on in my life that required cash and a card could not be used. In order to ensure I was making good financial decisions I took care of my accounts first so that I could receive the cash funds deposited back to my account and would still be able to do what I needed but would no longer have to worry about those bills.
04/27/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02155	Web
Despite the excruciating circumstances I have dealt with, the financial institution named " Self '' REFUSES to remove a late payment. According to their website ( screenshot attached ), they are able to accommodate individuals who had extenuating circumstances. I promptly sent them an explanation of what happened and they did not honor the request, despite my detailed explanation of what happened during the time. The detailed explanation I sent them is as follows : Re : Account Number XXXX To Whom It May Concern : Two years ago, on XXXX XXXX, 2020, my original bank account XXXX ' was hacked, causing XXXX XXXX to put a freeze on my account. Therefore, my XXXX that was originally set up for XXXX XXXX, 2020, did not go through. During this time, I was unaware of the hacked account due to working on the frontlines against XXXX at the XXXX XXXX XXXX XXXX XXXX, eventually leading me to XXXX XXXXXXXX. I was extremely XXXX for over a month and did not know about the compromised bank account. Unfortunately, by the time I found out about the compromised bank account, the XXXX XXXX, 2020 payment due was already 30 days late and would be reported to my credit report. I immediately linked a new bank account and paid the monthly payment going forth, until the account 's maturity date. I am hoping you could please remove the late payment from my credit report as I was faced with multiple extenuating circumstances that were beyond my control. Prior to XX/XX/ 2020, my payments were always on time as I heavily relied on autopay. This 30-day late payment has been devastating to my credit report as my wife and I are trying to push for the best interest rate for a new home purchase to start a family. A small credit bump would get us over to the new target rate. I have also attached failed Autopay ACH below for your reference. Is that something you can help with? I appreciate any help ; thank you very much. _______________ Despite this detailed explanation, their response was as follows : Thank you for your request, all goodwill adjustments are reviewed and individually verified. Unfortunately, we will not be able to honor your request to alter reporting at this time. Self Financial, Inc ( Self ) is required by federal regulation to maintain accurate & factual reporting, therefore, we can not remove any accurate reporting that has occurred. We offer our customers a 15-day grace period before a late fee is assessed on your account and payments will be reported to the Credit Bureaus when it is 30 days overdue. We send all communications electronically to the email address on file to alert you when your account payment is due, 1 day past due, 15 days past due, and 30 days past due, as well as any failed payment alerts, etc. Please ensure that your email address on file is up to date to receive these notifications. The email address that we have on file is XXXX. __________________________ This response is heavily flawed as I had no idea my bank account was compromised, AND I was also highly XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. It is simply unjust that they expect me to access my email when I am XXXX
07/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77077	Web
Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$1100.00} This item was apart of identity fraud. I filled out the affidavit on identity theft. Gov also disputed the accounts and these accounts were not taken off. I have no acknowledgement of these accounts. Utility Account Opened by the Thief Company or Organization : XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$240.00} This item was apart of identity fraud. I filled out the affidavit on identity theft. Gov also disputed the accounts and these accounts were not taken off. I have no acknowledgement of these accounts. Fraudulent Mobile Phone Account Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$200.00} This item was apart of identity fraud. I filled out the affidavit on identity theft. Gov also disputed the accounts and these accounts were not taken off. I have no acknowledgement of these accounts. Credit Card Opened by the Thief Company or Organization : XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$0.00} This item was apart of identity fraud. I filled out the affidavit on identity theft. Gov also disputed the accounts and these accounts were not taken off. I have no acknowledgement of these accounts. Credit Card Opened by the Thief Company or organization : SELF FINANCIAL INC / LEA Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX TOTAL FRAUDULENT AMOUNT : {$0.00} This item was apart of identity fraud. I filled out the affidavit on identity theft. Gov also disputed the accounts and these accounts were not taken off. I have no acknowledgement of these accounts. Credit Card Opened by the Thief Company or organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$0.00} This item was apart of identity fraud. I filled out the affidavit on identity theft. Gov also disputed the accounts and these accounts were not taken off. I have no acknowledgement of these accounts. Credit Card Opened by the Thief XXXX XXXXXXXX XXXX XXXX company or Organization : Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$170.00} This item was apart of identity fraud. I filled out the affidavit on identity theft. Gov also disputed the accounts and these accounts were not taken off. I have no acknowledgement of these accounts. Credit Card Opened by the Thief Company or Organization : SELF FINANCIAL INC / LEA Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$180.00} This item was apart of identity fraud. I filled out the affidavit on identity theft. Gov also disputed the accounts and these accounts were not taken off. I have no acknowledgement of these accounts.
11/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	RI 02860	Web
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
11/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 641XX	Web
Complaint XXXX was closed as a " duplicate '' complaint. This is NOT A DUPLICATE. This is simply a new occurrence, which is a new violation, of the SAME EXACT FRAUDULENT PROCEDURE. This recent violation occurred on XXXX. That is not the same as the violation stated in any of the previous complaints. Specifically complaint XXXX was mentioned. That complaint was about the violation on XXXX. There was a separate violation with XXXX on XXXX. This is how this fraud and game is played by these companies. Self Inc. / Lead Bank agreed to remove a late payment over the phone for 2 different accounts ( XXXX ). Then decided that they wouldn't delete the late payments the next month. Then in XXXX of 2022 they agreed to send a request to remove the late payments for both separate accounts. This request has been sent to the 3 major Reporting Agencies on XX/XX/XXXX, XX/XX/XXXX and the XXXX of 2022. All 3 times Self Inc. / Lead Bank also validated the late as accurate. Which basically put the entire process in reverse. So the late was removed and it reflected on my report and score and then days later it was reverted back to showing late. Again this is 3 separate issues with the most recent being this month just 4 days ago on the XXXX of XXXX. Self even admitted to such in their response to complaint XXXX. They remove it but then days later XXXX will do a dispute process after the correction has already been made. Then they send the dispute back to Self and Self validates the late as accurate and it goes back on the credit profile and the XXXX score drops almost instantly again. Even though they all get the complaints at the same time XXXX seems to conveniently run the dispute after the other companies resolve the issue. This late response always turns the issue back into a dispute and then basically back where it started. On 3 separate occasions they have done this. I know the XXXX system, the data fields and XXXX language. I know about the XXXX and The Credit Reporting Resource Guide. I know the FCRA and the regulatory structure, I know about the FDCPA. And I know that there are numerous blatant violations with just this account alone. XXXX responds slowly to everything. Their delay is causing a resolved problem to be unresolved. Self Inc / Lead Bank is compounding the problem by re-validating. This is not a coincidence. This is a pattern. I have avoided litigation with Self Inc. ' Lead Bank ' because I felt that their efforts were respectable. But after seeing this pattern I now come to the belief that a lawsuit is the only way to truly get remedy and justice. Lead Bank is located in XXXX XXXX, MO so venue for a claim is local. So again, and for the final time this is my formal notice to file suit against Self Inc. / Lead Bank in 15 days on XX/XX/2022. I have already filed against XXXX. I will petition the court of XXXX XXXX, MO with a claim against this company for several violations.
10/19/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 08638	Web
To Whom it May Concern ; This is in reference to the Consumer Report sent by SELF FINANCIAL. While checking my credit report, it came to my notice that SELF FINANCIAL has furnished an account ACCOUNT # XXXX on my Consumer Reports. According to XXXX5 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation Any medium includes any oral, written, electronic, or other medium, which includes nonaffiliated third parties the three major Credit Reporting Agencies XXXX, XXXX, and XXXX. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by SELF FINANCIAL will amount to Communication. I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. The provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information, I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 15 USC 6802 ( B ) clearly states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. 15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option. In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ). With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws. Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications regarding this account ACCOUNT # XXXXimmediately. This includes but is not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. Any further contact by your Agent or SELF FINANCIAL, except a communication, confirming your acknowledgment of this letter, is in violation of my Federally Protected Consumer Rights. If you do not cease communication I will escalate the matter to a Federal Complaint. XXXX XXXX XXXX
01/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37013	Web	Servicemember
This company has continually failed to comply, intentionally, and has additionally violated my federally protected consumer rights to privacy and confidentiality. Self/Inc Lead Account ( XXXX ) also reporting not 100 % accurate across bureaus. Under 15 USC 1681 ( a ) ( 4 ) -I have the right to privacy. 15 USC 1681b ( a ) 2 -states that a consumer reporting agency can not furnish a credit report without written consent from the consumer. Under 15 U.S. Code 1681c ( a ) ( 5 ) -states that no consumer reporting agency may make any consumer report containing the following items of information ... Any other adverse information, other than records of conviction of crimes which antedates the report by more than 7 years. This account reporting is clearly adverse information. In addition to this, I was not CLEARLY AND CONSPICUOUSLY provided with outlines of my consumer rights to opt out from credit reporting PRIOR to this account hitting my credit report. 15 U.S. Code 6801 each financial institution has an obligation to respect the privacy of its customers and to protect the security/confidentiality of their nonpublic personal info. 15 U.S. Code 6802 ( a ) business may not disclose to a nonaffiliated third party any non-public personal information ( b ) Opt out ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given opportunity to direct that info not be disclosed to such third party ; AND ( C ) the consumer is given an explanation of how they can exercise that option. 15 USC 6809 ( 5 ) " nonaffiliated third party '' means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution. Nonaffiliated XXXX party = CREDIT BUREAUS ( XXXX, etc ) 15 USC 6809 ( 5 ) Affiliate means any company that controls, is controlled by, or is under common control-your company and bureaus are not. 15 U.S. Code 6809 ( A ) " nonpublic personal information '' means PERSONALLY IDENTIFIABLE FINANCIAL INFORMATION ( ii ) resulting from ANY transaction with the consumer or any service performed for the consumer ; ( B ) Such term does not include publicly available information. Resulting from ANY transaction= ALL. This was ONLY made available by you reporting this. I did not give this consent and you continue to report this with all disregard to law. After research and recent consultations, I will have to proceed with legal action for the violations that this company has ALREADY committed if this account is not removed from my credit report. This company is liable for damaging my reputation and for no respect to federally protected consumer rights to privacy and confidentiality. In addition ( just for records sake ) I will use all certified mail receipts, exhibits, phone records and recording for legal purposes going forward, if needed.
11/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77008	Web
Per the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the protected Consumer. I have the right to privacy and making sure that my private information isn't shared Pursuant 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' SELF / XXXX XXXX is a financial institution by definition under that title. Per 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' SELF / XXXX XXXX the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and to date they have never received my written consent either!. Any and all consent to XXXX, XXXX, XXXX, and SELF / XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. Pursuant 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' SELF XXXX XXXX XXXX has Never informed me of my right to exercise my nondisclosure option. Also Per, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also Per 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
10/17/2022	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Deposits or withdrawals	CA 91316	Web
I opened a credit builder account at https : //www.self.inc. The website claims to build your credit by creating an installment loan that they add to your credit report, and I make the payments into a CD account for 12 months, or faster if I want. After the payments are made in full, they're supposed to give the money back. They verify me BEFORE opening the account asking for my address, date of birth and social security number. After everything was verified, they opened an installment loan on my credit report for {$1600.00}. I opened the account on XX/XX/2022. Now after I paid off the installment loan, they're supposed to give the money back to me. Because it's not a real loan, they never gave me any money. They just created an installment loan on my credit report for {$1600.00}. After I pay that amount into their CD account, it's supposed to show the installment loan is paid and closed, and they return the money. After I paid the full amount within 3 months, they don't want to return the money because I think they are running a ponzi. I don't think the money was deposited into a CD account and they don't have the money. They are telling me that I need to verify my identity to prove my identity and keep the account open. But the account is paid in full and closed already. They're asking me to verify my identity by sending them my bank statements to prove I paid for the installment loan. They want to look through all bank statements for the past 3 months to prove the money came out of my account to pay the installment loan before they give me my money back. This is not how a CD account works. Your identity is verified before you open any type of bank account. You don't have to send bank statements to prove to put money into a CD account to withdraw your money. I read their reviews too late, and they do this to everyone who pays off the loan earlier than 12 months. That's their trick, they think they won't have to pay the money back until 12 months later because it's a 12 month installment. So if you pay off the loan early, they don't even have the money to give back to you. That's a ponzi scheme. They have no problems opening the account for you, but when its time for them to give you your money back, suddenly they pretend like they don't know who you are and you need to take picture holding your ID, send all your bank statements, and other weird the know people won't do. If you refuse to do it, they just keep your money and keep sending you to a page that explains why they're asking for those verification documents. But the page they send you to is about verification documents they might ask you to provide BEFORE opening an account. I don't get a real response from the company. Just the same pre-written email telling me to send them my bank statements, and a link to the page talking about documents they might require BEFORE opening an account.
09/09/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11207	Web
Pursuant to 15 USC 1692 ( e ) congress proposed laws to prevent abusive and deceptive debt collection activities, SELF INC. LEAD BANK has conducted themselves inappropriately and illegally by assuming the role of original creditor when in fact they are nothing more than debt collectors according to 15 USC 1692 ( 6 ). By furnishing account XXXX under SELF INC.LEAD/BANK, they have been assuming the role and responsibility as original creditor when I am in fact the true original creditor of this account according to 15 USC 1692a ( 4 ) as my personal private information was exclusively extended to create this consumer credit transaction which in turn opened this account. In addition, according to 15 USC 1692e ( 9 ) SELF INC.LEAD/BANK is in direct violation by distributing and using written communication that created a false impression as to the source or authorization of who the original creditor is, as they demonstrate on my consumer report included in this complaint. I have always reserved my right to privacy as per the Privacy Act Of 1974 therefore my personal information should not be furnished under any circumstances unless authorized by the original creditor which is me. Consumer credit reporting is voluntary not mandatory, when we examine 15 USC 6821a ( 2 ), this law states It shall be a violation for any person to obtain or attempt to obtain, or cause to be disclosed or attempt to cause to be disclosed to any person, customer information of a financial institution relating to another person by making a false, fictitious, or fraudulent statement or representation to a customer of a financial institution. SELF INC. LEAD BANK presented a false and deceptive representation of themselves on my consumer report by paying a fee to each consumer reporting agency to report themselves as my original creditor. Too add, SELF INC. LEAD BANK has violated federal code 15 USC 6802, by not issuing the required full disclosure materials to me which allows me to exercise my right to opt out of them reporting any personal private information on my consumer report at any time. When SELF INC. LEAD BANK furnished my private information to all three consumer reporting agencies without written instructions by me, that amounted to identity theft and is a federal violation. SELF INC. LEAD BANK as a debt collector has been acting in the capacity as my creditor and has casually furnished data on my consumer report for over a year at their own discretion, the CFPB strictly prohibits abusive and deceptive behavior such as this. Ive been violated behind SELF INC. LEAD BANKS actions. Please see my attached affidavit which outlines additional violations committed by SELF INC. LEAD BANK. I have included an invoice as remedy for damages sustained at the hands of SELF INC. LEAD BANKS deceptive practices in the event they fail to respond to my affidavit and this complaint in a timely manner.
10/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60406	Web
I have a secured account with Self Financial IncXXXX is reporting 1 fraudulent late payment from the credit card and 2 correlating late payments from the installment loan that comes with the credit card account to the credit bureaus. The late payments are reporting from XXXX and XXXX of this year of 2022. I have documentation from the state that is attached in this correspondence that shows I was incarcerated from XXXX of 2022 to XXXX of 2022 which would made it impossible for me to made the purchased that cause the late payment in XXXX. Self Financial Inc is in CLEAR VIOLATION OF THE LAW! The FCRA 15 U.S. Code 1681a - Definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT, clearly states 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;. So therefore a LATE-PAYMENT is a TRANSACTIONAL experience between the CONSUMER. Which CONGRESS define consumer ( c ) The term consumer means an individual. Which is an INDIVIDUAL ( me ), and the person making the REPORT which is Self Financial Inc . So since its a TRANSACTION between the CONSUMER and the PERSON! Delete the above LATE-PAYMENT FROM MY CONSUMER REPORT! This AGENCY is in violation of 15 U.S. Code 1681. Now Im not telling you to delete the account! Im asking for you to delete the LATE PAYMENTS which are in violation by being REPORTED and keep the account. Self Financial Inc is also in violation of 15 U.S. Code 1666b - Timing of payments where it clearly states, ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Now FAILURE TO RESPOND! I will take LEGAL ACTION. Due to you being in VIOLATION OF THE LAW! The law SAYS under CIVIL LIABILITY. 15 U.S. Code 1681n - Civil liability for willful noncompliance a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;.
07/04/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	NV 89169	Web
Self lender is advertising how they can build your credit through an installment loan. As you read on an installment loan is a CD that they hold for 12 or 24 months. I tried getting a better understanding by emailing them and they will just respond with information that's is already on their website. I tried four times and then moved to live chat they said they have live chat and they absolutely do not have live chat you leave a message on their life chat and they promised to get back to you within 72 hours. It's been almost a month and they have not gotten back to me in regards to my chat request. They said they have live customer service over the phone. For days in a row I called at different times of the day and each time I called they were closed. I called as early as XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX., XXXX XXXX XXXX XXXX and XXXX XXXX They were closed! We are all aware of scams and people being able to duplicate other people accounts including the irs 's website ... So my first thought after all of this was that this must be a scam. They charged me a little over {$9.00} to process my application. And the loan that I chose was the most that they offer which required a check at the very end of my 12 months. It was a little confusing so I had a lot of questions. {$1600.00} would be paid in total after paying them {$150.00} per month for the entire year. minus interest charges and all this extra blah blah that they're going to throw on to get the most out of it I was scheduled to receive a check at the end on XX/XX/2021. But without a better understanding how can I truly trust my money in the hand of people who's not even interested and helping me get a better understanding of how this will help me. I'm still within my 30 days I opened the account XX/XX/XXXX a payment was scheduled to come out XX/XX/XXXX and on XX/XX/XXXX I sent them a message requesting to cancel my account. On their website has no refunds for the {$9.00} that I spent so I'll get over it. But there will be no way I will lose {$150.00} or in that matter I'm not going to lose {$1600.00}. This complaint is being sent because they are fraudulently running a business charging people for applications, charging people monthly for the so-called installment loan that later is called a CD giving no information about it and how it will help you. But what they do make perfectly clear is what you will not be getting back. This complaint is to make it perfectly clear that as of XX/XX/XXXX I canceled my account I also took my account number and the routing number off of that account. If they manage to hold a copy of those numbers this complaint will be used as a legal document making it perfectly clear that I canceled beforehand and if money is removed from my account it will be considered fraud and I will be pressing charges.
12/21/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77429	Web
ATTN : REGISTERED AGENT FOR SELF FINANCIAL , INC Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums unless it pertains to my remedy in writing via mail. Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Deletion from all consumer reports Remove all remarks or comments off my consumer report. Return requested documents so I can properly assess the validity of any debt Cease and rescind use of my intellectual property, my signature. 1. Name and address of the original creditor who created the debt. 2. Name on file of alleged debtor. 3. Alleged account # 4. Address on file for alleged debtor. 5. Amount of alleged debt. 6. Date this alleged debt became payable. 7. Date of original charge or delinquency. 8. Was this debt assigned to a debt collector or purchased? 9. Amount paid if debt was purchased. 10. Commission for debt if collection efforts are successful. 11. Documentary evidence that this agency is in fact the holder in due course. 12. Certified copy of the original negative information notice required by FCRA section 623 ( 7 ) ( A ). Please provide the name and address of the bonding agent for SELF FINANCIAL, in case legal action becomes necessary : Authorized Signature of Creditor : You must return this completed form along with copies of ALL requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within thirty days from the date of your receipt of this letter. Please be aware I understand falsifying and concealing documentary evidence of statements of entries is punishable under Title 18 U.S.Code 1001 for up to five years of imprisonment. Without the information which is required by law for your offices to have on file there is no valid way that your office can validate any alleged debt. Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. To acquiesce or failure to comply with the requirements of this notice would be admittance to stating there is no proof of claim for this alleged debt, you agreed to discharge the matter accordingly not sell or assign this matter to another agency, as well as remove the false allegation off of all of my consumer reports and will compensate me accordingly in the amount of the presented invoice in good faith and ordinary care for the financial damage caused by the reporting false allegation. Your prompt attention and response is both requested and required.
11/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30344	Web
Re : Response to CFPB Complaint Case # XXXX Dear Self Financial Team, I hope this letter finds you well. I am writing in response to your communication dated XX/XX/XXXX, regarding my recent complaint filed through the Consumer Financial Protection Bureau ( CFPB ) and your findings regarding my credit report. I appreciate your prompt response ; however, I respectfully disagree with the conclusions you have presented. In your response, you have stated that the information provided to the credit reporting agencies is only what is allowed by the Fair Credit Reporting Act ( FCRA ) and outlined in the XXXX XXXX guidelines. I kindly request that you provide documented proof to support this claim, as it is critical to my understanding of the reporting guidelines. You mentioned that late payments are not considered transactions or experiences between the customer and the entities making the report. If late payments are not categorized as transactions or experiences, could you please clarify how these late payments are defined? It is essential that I understand the classification of late payments to assess their impact on my credit report. Furthermore, you stated that late payments are permitted to be reported if the consumer account is 30 or more days past due. I would appreciate it if you could provide legal references and documentation to support this assertion, particularly in relation to the specific provisions of the FCRA and XXXX XXXX compliance. My dispute centers on the Fair Credit Reporting Act ( FCRA ) and, specifically, 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ), which clearly states that the term " consumer report '' does not include reports containing information solely as to transactions or experiences between the consumer and the person making the report. It is my firm belief that the reporting of these transactions to my consumer report is in direct violation of the FCRA and XXXX compliance. Additionally, I have observed inconsistencies in the reporting of the account opening date for my Self account. It was reported as XX/XX/XXXX to XXXX and XX/XX/XXXX to XXXX and XXXX. These discrepancies not only contradict legal requirements but also violate 15 U.S. Code 1666b, which mandates that creditors must adopt reasonable procedures to ensure timely delivery of periodic statements to the consumer. Your inaccurate reporting of transactions has further exacerbated my concerns. For example, in XX/XX/XXXX, you reported to XXXX that a payment was made on time, but it was reported as late to XXXX. Similarly, in XX/XX/XXXX, you reported differing information to different credit reporting agencies. Such inconsistencies in reporting transactions violate 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), which explicitly excludes transactions between the consumer and the entity making the report from consumer reports.
04/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76116	Web
I, XXXX XXXX, consumer, natural person, and the original creditor of an open-end credit plan, have late payments reporting to my credit report that isn't supposed to be there from SELF FINANCIAL, INC. d/b/a XXXX XXXX. SELF FINANCIAL , INC. claimed to have submitted a deletion of all late payments to the credit reporting agencies, but the late payments are still reporting to my credit report. In their response to CFPB complaint case number XXXX, SELF FINANCIAL , INC. stated that their " reporting was investigated and determined to be accurate. '' I have reason to believe that this is false and misleading information. SELF FINANCIAL , INC. also stated that " the Self Secured Credit Card was reported late as of 30 days past due for XX/XX/XXXX and XX/XX/XXXX and 60 days past due for XX/XX/XXXX. '' These are false and misleading statements that are referred to as billing errors. I was in fact not late nor past due in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. SELF FINANCIAL , INC. also stated that they've " sent emails advising me that if my account went 30+ days past due that it would be reported to the credit agencies as a late payment. '' I've never received such emails. The statement '' if your account went 30+ days past due it would be reported to the credit reporting agencies as a late payment '' is abusive, obscene, and threatening language to me and is a violation of Credit Practices 110.220 ( d ), ( g ). I am aware that not excluding transactions from my consumer report between me, the consumer, and the creditor is a violation of 15 USC 1681a ( 2 ) ( A ) ( i ). I am also aware that pursuant to 15 U.S. Code 1666b ( a ), A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. SELF FINANCIAL , INC. has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. It is my belief that SELF FINANCIAL, INC. has been using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me and my financial reputation. As defined in Title 18 U.S. Code 1961, knowingly, intentionally, with forethought and malice have been sending dividends but, in fact, making me believe that dividends were an invoice for services provided by SELF FINANCIAL , INC., which is embezzlement, theft by deception and extortion. Extortion, dealing in an obscene manner, and theft by deception all constitute XXXX XXXX. If found guilty, XXXX XXXX carries a criminal penalty of 20 years to life in prison.
12/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 08638	Web
To Whom it May Concern ; This is in reference to the Consumer Report sent by SELF FINANCIAL. While checking my credit report, it came to my notice that SELF FINANCIAL has furnished an account ACCOUNT #XX/XX/XXXX on my Consumer Reports. According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation Any medium includes any oral, written, electronic, or other medium, which includes nonaffiliated third parties the three major Credit Reporting Agencies XXXX, XXXX, and XXXX. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by SELF FINANCIAL will amount to Communication. I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. The provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information, I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 15 USC 6802 ( B ) clearly states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. 15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option. In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ). With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws. I have not surrendered my consumer or privacy rights by giving SELF FINANCIAL permission to communicate and disclose MY NON PUBLIC PERSONAL INFORMATION WITH NONAFFILIATED THIR PARTIES Please do not provide me with specific information regarding the account since this letter is not addressing, disputing the inaccuracy or discussing verification or validation of the alleged. Please do not provide me with statements, payment history, or any other specific details pertaining to the account
10/28/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	MD 20852	Web
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Self ( formerly known as Self Lender ) and XXXX XXXX XXXX regarding an unauthorized credit account opened in my name, causing adverse effects on my credit report. Despite numerous attempts to address this issue directly with the bank, they have failed to rectify the situation, resulting in significant financial and emotional distress. In XXXX, I became aware of an active credit account with Self/XXXX XXXX XXXX on my credit report, which was initiated without my knowledge or consent. Upon discovering this account, I promptly initiated contact with the bank to report the unauthorized nature of this account. In response to this concerning discovery, I took immediate action by following the necessary procedures for cases of identity theft. I filed a report with the Federal Trade Commission ( FTC ) and with local law enforcement, providing comprehensive documentation to support my claim that the credit account in question was opened fraudulently without my authorization. Despite engaging in multiple conversations with representatives from SelfXXXXXXXX XXXX XXXX and furnishing them with all the relevant evidence, including the FTC identity theft paperwork and the local police report, the bank has failed to take the appropriate steps to remove the unauthorized account from my credit report. This neglect on their part has resulted in an unjust and detrimental impact on my credit score, affecting my financial standing and causing undue hardship. As a consumer, I believe I am entitled to accurate and fair reporting of my credit information in accordance with the Fair Credit Reporting Act ( FCRA ). SelfXXXX XXXXXXXX XXXX failure to address and rectify this wrongful reporting is a direct violation of the FCRA, and I am seeking your intervention to ensure the bank fulfills its responsibility to promptly remove the unauthorized credit account from my credit report. I respectfully request the Consumer Financial Protection Bureau 's intervention to thoroughly investigate this matter and ensure that SelfXXXXXXXX XXXX XXXX fulfills its obligation to promptly rectify the erroneous reporting to the credit bureaus. Additionally, I urge the Bureau to take necessary measures to prevent such negligent reporting practices in the future. Enclosed, you will find copies of all the relevant correspondence, documentation, and evidence submitted to SelfXXXX XXXX XXXX pertaining to this issue for your review and investigation. I am grateful for your attention to this crucial matter and eagerly await a swift resolution to correct this issue. Please feel free to contact me if further information or clarification is needed to expedite this process. Thank you for your assistance in addressing this pressing issue.
10/04/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	IN 461XX	Web
I have called self several times in the last few months about my CLOSED credit card account. Self is reporting to the credit bureaus that the account is open and I owe {$170.00}. I am being told by self i only owe {$80.00}. It is also reporting as a late, open account although it is closed. I have asked them to fix my credit reporting and it has not been done. I have also filed several CFPB complaints as well as disputes with the credit agencies. All are being ignored and verified as accurate when CLEARLY no one is even bothering with the account. 15 U.S.C. 44, as defined in IRS Publication 583, requires an explanation and resolution of the issues presented in the billing statements. I request access to both the account 's journal and credits, as well as the ledger and debits, to verify the current accounting and taxes related to this account. I want proof of who validated the debt and what method was used, proof of my contract with my wet signature, and put this account in do not pay, do not collect status with a billing error. Regarding 15 U.S.C. 1666d, if there is a credit balance exceeding {$1.00} in accordance with IRS Publication 583, it should be promptly credited to me as the consumer by check. This is a formal instruction under 15 U.S.C. 1666 ( b ) ( 2 ) to provide documentary evidence, including books of account as per 15 U.S.C. 44, to resolve this billing error. Furthermore, I am aware that under Title 15 U.S.Code 1666 ( e ), the creditor has legally agreed to forfeit all rights to collect on all past, present, and future disputed amounts when resolving this billing error. I hereby invoke my right as a consumer to withhold all past, present, and future disputed amounts pursuant to 12 CFR 1026.13d ( 1 ) and hold the creditor liable under 15 U.S.Code 1693m. Additionally, per 12 CFR 1026.13d ( 3 ), the creditor must not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised their rights under this section. Failure to comply may result in forfeiture penalties under 15 U.S.C. 1666 ( e ). In compliance with Regulation B 12 C.F.R Subpart B " Requirements Remittance Transfers, '' I have made a genuine effort to settle the disputed amount. Unfortunately, this attempt was rejected, leading to a discharge of the obligation to the extent of the amount tendered, including any liability of indorsers or accommodation parties, in accordance with UCC 3-603. Lastly, it's crucial to understand that under 18 U.S. Code 8 - Obligation or Other Security of the United States, the term " obligation or other security of the United States '' encompasses a wide range of financial instruments relevant to this matter, emphasizing the serious implications of non-compliance.
10/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	OH 43612	Web
I am unsatisfied and have new documentation to provide and prove that this company has been reporting information falsely and refuses to correct a late payment on my account from XX/XX/2023 I received an email on XX/XX/2023 stating that I will receive a late fee due to my account being 15 days late and in this email it stated that its not too late and will not affect my credit if I login in and make a payment by XX/XX/2023 I made a payment on XX/XX/2023 which the company is verifying that I did.. I told them I experienced some issues with adding a new payment method which caused me to be more than 15 days late for XX/XX/XXXX payment.. however on the same day XX/XX/2023 they reported to the credit bureau that my account was 30 days past due! If my payment for XXXX was due on XX/XX/XXXX and I paid on XX/XX/XXXX how and why are they reporting inaccurate information to my credit report I now have additional information to provide proof of this complaint and I am begging for someone to look into this matter.. A company is providing consumers with false information and reporting another thing. Yes I did make my payment more than 15 days late due to a new payment method and having identity theft but however I got an email after this stating if I made the payment by XXXX this will not effect my credit I am attaching this email.. this is badly effecting my credit in a negative way.. I spoke to a supervisor and she did say they sent that email and that email was correct but the email is invalid because of a previous month being late.. they have not marked on ny credit any previous month being 30 days late.. the supervisor stated because XXXX payment was late that email was not valid but was sent to me.. this is contradictory they are giving consumers false hope by sending out these emails stating one thing and doing another.. this is suppose to help consumers build credit yet they are destroying our credit.. Ive asked for them to remove this late payment on good faith cause and they still have denied my request even tho I have an open account with them and making payments until XXXX they do not care about the negative information they are giving consumers and how this could affect a consumers everyday life.. I would like you to review this new information Ive been sent and question the company why they would send to a consumer that they have until XX/XX/2023 to make a payment before reporting XXXX payment as late but the same day they sent the email they reported the account as late.. I am trying to buy a home and they refuse to work with me or correct this late payment. I have uploaded to emails one with the date showing when it was sent and the other is the body of the email proving they told me they would not report the account as late until after XXXX
09/30/2023	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Other problem	IL 60615	Web
I am writing to lodge a formal complaint against Self Financial Inc. concerning a clear breach of contract and their refusal to adhere to the arbitration obligations outlined in our contract terms and agreement. The actions of Self Financial Inc. have raised substantial concerns regarding contractual commitments and compliance with relevant legal regulations. The key facts related to this complaint are as follows : 1. On XX/XX/2023, I initiated the arbitration process by formally submitting a demand for arbitration against Self Financial Inc., based on my belief of a breach of contract between myself and Self Financial Inc . 2. Our contractual agreement features explicit and unambiguous terms that govern the dispute resolution process. Specifically, it unequivocally states that either party has a 30-day timeframe, commencing from the date of receiving the Demand for Arbitration, within which to make an election regarding the chosen method for dispute resolution. This contractual provision is designed to ensure a fair, timely, and mutually agreed-upon resolution process. 3. Unfortunately, on XX/XX/2023, Self Financial Inc. opted for a course of action that conspicuously contradicted our contract 's terms. They chose to pursue resolution through a small claims court, an action that falls outside the clear and binding stipulations of our contract, as it occurred beyond the 30-day window specified for making such an election. 4. It is essential to underscore the importance of Illinois law, particularly the Illinois Uniform Arbitration Act ( 710 ILCS 5, Section 17 ), in matters concerning jurisdiction and the handling of arbitrations. In alignment with Illinois law, when a contract includes an arbitration clause, arbitrations must be exclusively conducted through arbitration if such a clause exists within the contract. Our contract undeniably contains an arbitration clause, thereby emphasizing the significance of abiding by our agreed-upon arbitration obligations. Given these indisputable facts, it is evident that Self Financial Inc. has not only breached our contract by failing to adhere to the prescribed arbitration obligations but has also transgressed Illinois law by choosing the small claims court as a method of dispute resolution. I respectfully request that the Consumer Financial Protection Bureau conducts a comprehensive investigation into this matter and takes appropriate action against Self Financial Inc. for their breach of contract and their failure to honor arbitration obligations. Enclosed with this complaint, you will find supporting documentation, including copies of our contract, the demand for arbitration, and all relevant correspondence associated with this dispute. I look forward to a swift and equitable resolution.
12/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21220	Web
I am contacting you to urgently address and rectify a significant error in the credit reporting by SELF/XXXX regarding my account ( Account # : XXXX ). This error pertains to late payment entries that have been inaccurately reported, constituting a clear violation of my consumer rights and a breach of the Fair Credit Reporting Act ( FCRA ). Immediate Rectification Required : The credit report inaccurately lists late payments on my account as of XX/XX/2023. This reporting is erroneous and is a grave error on the part of SELF/XXXX. I have consistently managed this account with diligence and responsibility, and there have been no late payments. The continued misreporting has unfairly impacted my credit score and stands as a detriment to my financial integrity. Demand for Immediate Deletion of Erroneous Entries : I am not merely seeking correction but the complete deletion of these false late payment entries. The persistence of this incorrect information is damaging and unacceptable. As a consumer, I am entitled to fair and accurate credit reporting, as mandated by the FCRA. Background and Key Concerns : Inaccurate Reporting Despite Dispute : Despite disputing this information, which was acknowledged as meeting FCRA requirements, the resolution remains unfulfilled. The failure to rectify this error is an ongoing injustice. Negligence in Address Update and Consequential Risks : After informing SELF/XXXX of my change of address following mail theft, they neglected to update their records, leading to severe consequences, including misdirected communications and increased risk of identity theft and financial fraud. Legal Stance and Consumer Protection Rights : Under the FCRA, I am legally protected against unfair and inaccurate credit reporting practices. The inaccurate listing of late payments on my credit report is a direct infringement of these rights. Moreover, this misreporting could be viewed as an act of negligence, or worse, willful non-compliance by SELF/XXXX. Psychological and Emotional Toll : This issue extends beyond financial implications ; it has caused me significant stress and anxiety, exacerbating the feeling of being wronged and powerless against a flawed system. Conclusion and Ultimatum : I demand that SELF/XXXX immediately delete the false late payment entries from my credit report. Failure to comply will compel me to take further action, including seeking legal recourse for the damages caused by this reporting inaccuracy. Your prompt attention to this matter is not only expected but required. I trust the Consumer Financial Protection Bureau will advocate on my behalf to ensure that my credit report reflects nothing but the absolute truth of my financial conduct.
09/10/2023	Yes	Debt collection Other debt	Electronic communications Contacted before 8am or after 9pm	CA 90043	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX ca XXXX ] [ XXXX [ XXXX [ XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX Subject : Dispute of Unknown Charges Impacting Credit Score Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute unknown charges that have recently appeared on my credit report, resulting in a significant drop in my credit score. I kindly request the assistance of the Consumer Financial Protection Bureau ( CFPB ) in investigating and resolving this matter. I have carefully reviewed my credit report, obtained from XXXX XXXX XXXX XXXX XXXX XXXX ], on XXXX XXXX and noticed several unauthorized charges that I have no knowledge of. The charges in question are affecting my creditworthiness, potentially hindering my future financial opportunities. I am providing the relevant details below for your reference : Total Amount in Dispute : [ {$720.00} ] I have attempted to resolve this issue by contacting the respective creditors and explaining that these charges are not familiar to me. However, my attempts have yielded limited success, as the creditors have been unable to provide any satisfactory explanation or documentation supporting the charges. I hereby request that the CFPB : 1. Conduct a thorough investigation into these unauthorized charges listed on my credit report, 2. Promptly notify me of the findings and actions taken in this regard, 3. Remove these questionable charges from my credit report, 4. Provide me with an updated credit report once these discrepancies have been resolved, 5. Take any necessary actions against the responsible creditors for reporting erroneous information, and 6. Provide me with guidance on how to prevent similar occurrences and protect my credit in the future. Enclosed with this letter are copies of my credit report highlighting the disputed charges, as well as any supporting documentation I have concerning my attempts to resolve this issue independently. I appreciate your prompt attention to this matter and trust that the CFPB will investigate and resolve this dispute in a fair and efficient manner. Should you require any additional information or documentation from my end, kindly notify me at the contact information provided above. I would like to thank you in advance for your assistance in rectifying this situation and helping me safeguard my financial well-being. I look forward to a favorable resolution to this dispute. UCC 1-308 I reserve my rights not to be compelled to perform under any contract or commercial agreement that I did not enter knowingly, voluntarily and intentionally All Rights reserved without prejudice to any rights. Sincerly, XXXX XXXX
03/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 08638	Web
Notice to Cease and Desist This is in reference to the SELF LENDER FINANCIAL. While checking my credit report, it came to my notice that SELF LENDER FINANCIAL has furnished an account ACCOUNT # XXXX on my Consumer Reports. According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation Any medium includes any oral, written, electronic, or other medium, which includes nonaffiliated third parties the three major CRAs XXXX, XXXX, and XXXX. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by SELF LENDER FINANCIAL will amount to Communication. I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. The provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract agreement where I can opt out of your sharing of my nonpublic personal information. 15 USC 6802 ( B ) clearing states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. 15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option. In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ). 15 U.S. Code 1681n- ( b ) Civil liability for willful noncompliance You are now liable under false pretenses or knowingly without a permissible purpose 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- Your financial institution 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 information is inaccurate. YOU HAVE BEEN PUT ON NOTICE.
12/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60615	Web
I have sent certified notices making self Lender aware that they are violating my " Consumer Rights '' under 15 U.S. Code 1681b - Permissible purposes of consumer reports and 15 U.S. Code 6802 ( b ) - Obligations with respect to disclosures of personal information. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give SELF LENDER written instruction to furnish any accounts on my consumer reports. Under Self Financial, Inc. Terms of Service ( Credit Reporting Services ), it states : " You understand that by accepting these Terms and Conditions you are providing written instructions to our third-party service provider, XXXX XXXX XXXX and its employees, agents, subsidiaries, affiliates, contractors, third party data providers, and all other credit reporting agencies under the Fair Credit Reporting Act ( FCRA ), as amended, including XXXX, XXXX, XXXX and affiliated entities, to access your credit files from each national credit reporting agency and to exchange information about you with each such national credit reporting agency in order to verify your identity and to provide the Services to you. I gave self lender permission to access my consumer reports in order to verify my identity and to provide the Services to me as per their Terms of Service! Furthermore, 15 U.S. Code 6802 ( b ) - Obligations with respect to disclosures of personal information, The language of the law states : ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. At the time this Self Lender credit account was opened, I was never given a nondisclosure notice explaining how to exercise my rights according to the above law to OPT OUT of having this account reported to the Consumer Reporting Agencies. Self Lender has caused me finical damages due to their negligence of not following the law and refusal to DELETE the following accounts ( Self Visa Credit Card ACCOUNT # XXXX ) & ( SELF LENDER INSTALLMENT LOAN : LOAN # XXXX, ACCOUNT # XXXX ) from my Consumer Reports.
11/28/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MD 21703	Web
I am writing to you to present unfair practices against the company/products " SELF '' that is offered in the market with the intention to improve the credit scores of their users but ending accumulating fees when clients try to pay off early their balances. Please read my letter at the bottom and their unfair response. MY ORIGINAL EMAIL Good evening, In an intent to do the right thing, I was trying to pay off early my balance pending with SELF. In that way, I scheduled a payment a few days back for {$48.00} and then a second payment of {$45.00}. I received yesterday a note that both payments didn't come through and I was charged two {$15.00} fees for each unsuccessful intent. Immediately, yesterday trying to correct the situation, I scheduled a third payment of {$93.00} ( {$48.00} + {$45.00} ) ; and today I received a new notice that this payment also was rejected and a new {$15.00} fee was charged!!!!! Even though the checking account was submitted as a payment option months ago and consistently approved, now almost to the end of my loan review, you let me know that the account rejected my scheduled payments (? ) I just changed the payment method and set up my debit card information and authorize it to charge me the final balance of {$93.00}, and is my hope that we do not have any problem this time. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX during all these previous months, I was recommending your Self products to my clients without requesting any benefit for me. Finally, I request to proceed to make a fair review of my case and proceed to cancel any unfair fee charged to my account ( total of {$45.00} ) because all the time my intention was to proceed in good faith, paying my debts before it's the due date, and using the approved account confirmed by you months ago. Sincerely, XXXX XXXX. ID XXXX RESPONSE FROM SELF Case XXXX - XXXX XXXX Account - Payments XXXX XXXX Hi, Thanks for reaching out, and we're sorry to hear you encountered this issue. It appears that the payments failed due to a failure to locate the bank account. This typically means that the account and/or routing number were entered incorrectly when the payment method was originally added. There have been no previous successful payments from that account, only from a debit card ending in XXXX. Unfortunately, it appears that the recent payment covered the fees, and we are unable to waive any paid fees. If this happens in the future, please reach out before the fees are paid to request we waive the fee ( s ) as a courtesy. We apologize for our limitations. Please reach out if you have any other questions. Best,
12/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33162	Web
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXXXXXX XXXX SELF LENDER C/O SELF FINANCIAL , INC , for committing identity theft. I have never given XXXXXXXX XXXX SELF LENDER C/O SELF FINANCIAL , INC , any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with XXXXXXXX XXXX SELF LENDER C/O SELF FINANCIAL , INC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving XXXX XXXX SELF LENDER C/O SELF FINANCIAL , INC any right to collect on this alleged debt. I have never received any documentation requesting validation from XXXX XXXX SELF LENDER C/O SELF FINANCIAL , INC , before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If XXXXXXXX XXXX SELF LENDER C/O SELF FINANCIAL , INC , can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXXXXXX XXXX SELF LENDER C/O SELF FINANCIAL , INC , can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXXXXXX XXXX SELF LENDER C/O SELF FINANCIAL , INC , continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX SELF LENDER C/O SELF FINANCIAL , INC , will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion , theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
11/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19119	Web
Cease & Desist : In accordance with the Fair Credit Reporting Act, this company has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer-reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer-reporting agency may make any consumer report containing the following information items. Any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. This complaint is due to the Consumer Credit Transaction with this companys financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) the term document means any information in any form. I demand this company CEASE and DESIST from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes, XXXX, XXXX, and XXXX. The Provisions of 15 USC 6801 ( a ) state, It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advised that I have not given this company the permission to share my nonpublic personal information. However, I ask this company that if there is a nondisclosure clause in the contract/agreement giving that option to share my nonpublic personal information I ask this company where I can opt out of their sharing of my nonpublic personal information. 15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that before such information is initially disclosed, to direct that such information not to be disclosed to such third party. 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that non-disclosure option. In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, this company furnished my nonpublic personal information to nonaffiliated third parties ( i.e., XXXX, XXXX, and XXXX ). With that said, this company has not only infringed on my rights to privacy but also violated multiple federal laws. I with this request that this company removes the above-mentioned information from my consumer credit report. If they accept my request, I will not escalate this matter to a federal complaint. Thank you for your attention to this matter.
10/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 231XX	Web
I am writing to demand the immediate cessation of a range of unlawful activities involving my account with Self Inc. As a concerned customer, I have discovered a multitude of unauthorized actions that have taken place without my consent, which has left me deeply troubled. I insist on the following corrective measures : XXXX XXXX XXXX, Fraud, False Reporting, Extortion, and Unauthorized Use of My Social Security Number : Self Inc. has engaged in a pattern of racketeering, fraudulent activity, false reporting, and extortion. Moreover, my Social Security Number ( SSN ) was used without my consent, a grave violation of my privacy and security. I demand that Self Inc. cease and desist from any further unlawful activities immediately. Return of Stolen Funds and Removal of Unauthorized Securities : I assert that Self Inc. is responsible for the misappropriation of my personal and financial information, which has resulted in the loss of funds. Additionally, securities were taken out without my consent. I demand the prompt return of any stolen funds and the removal of unauthorized securities from my account. Account Closure and Removal of Derogatory Marks : In light of the criminal activities conducted by Self Inc., I hereby request the immediate closure of my account with your organization. Furthermore, I demand the removal of any derogatory marks associated with my account due to these unlawful actions. Violation of Applicable Laws : It is essential to acknowledge that the actions of Self Inc. have violated several relevant laws, including : aXXXX XXXX XXXXXXXX Influenced and Corrupt Organizations ( RICO ) Act, 18 U.S.C. 1961-1968 b. The Federal Fraud Statutes, including 18 U.S.C. 1343 ( Wire Fraud ) and 18 U.S.C. 1341 ( Mail Fraud ) c. Laws governing False Reporting, such as 18 U.S.C. 1001 d. Laws governing Extortion, including state and federal extortion statutes e. Unauthorized use of personal information, a violation of privacy laws I insist on your full cooperation in addressing these issues and complying with my demands. Failure to do so will result in my pursuit of legal action to protect my rights and interests and to ensure that Self Inc. is held accountable for its unlawful actions. Please contact me at XXXX or via email at XXXX to discuss the specifics of returning stolen funds, the removal of unauthorized securities, the closure of my account, and the removal of derogatory marks. I expect a prompt response from Self Inc. regarding these demands, outlining the actions you will take to rectify this fraudulent and illegal situation. Sincerely, XXXX XXXX
07/09/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX XXXXX	Web	Servicemember
I am writing to bring your attention to a concerning matter regarding your recent collection attempts on a closed account, which I believe are in violation of the applicable consumer protection laws. As a responsible consumer, I believe it is important to address this issue promptly and ensure that all parties involved are aware of their legal obligations. I would like to draw your attention to the following laws that I believe you may be violating in your collection attempts : Fair Debt Collection Practices Act ( FDCPA ) : The FDCPA is a federal law designed to protect consumers from unfair, deceptive, and abusive debt collection practices. Under this law, debt collectors are required to provide accurate and truthful information regarding the debt, cease communication upon request, and refrain from engaging in any unfair or harassing practices. Your attempts to collect on a closed account without providing accurate and verifiable information may be considered a violation of the FDCPA. Fair Credit Reporting Act ( FCRA ) : The FCRA governs the collection, dissemination, and use of consumer credit information. According to this act, accurate and up-to-date information must be reported by creditors. If the closed account in question is being inaccurately reported as an outstanding debt, it may constitute a violation of the FCRA. State Consumer Protection Laws : In addition to federal laws, various state-specific consumer protection laws may also apply. These laws provide additional safeguards for consumers and set forth guidelines for fair debt collection practices. I believe your collection attempts on a closed account may be in violation of these state laws as well. I kindly request that you review your records and provide me with comprehensive and accurate information about the debt you are attempting to collect. This includes the original creditor, the amount owed, the date of the last payment, and any other relevant details. Furthermore, I expect you to cease all collection activities on this closed account until you have provided me with the requested information and resolved any discrepancies or inaccuracies. If I do not receive a satisfactory response from you within 10 days, I may be compelled to take further action to protect my rights as a consumer. This may include filing complaints with the appropriate regulatory agencies, consulting with a consumer rights attorney, or seeking legal remedies available to me under the law. I trust that you will treat this matter with the seriousness it deserves and take immediate steps to rectify the situation
09/21/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NY 10032	Web
Monday XX/XX/XXXX I put in a payment of {$500.00} to my self.inc secured credit card that was made at XXXX EST On XX/XX/XXXX. The total balance was {$540.00}. ( My credit limit is XXXX $ XXXX they allowed a car rental company to charge a fee from my rental from last month on the credit card when I had payed them using my debit card. Anyways I paid the XXXX $ last week on Monday night on Friday I noticed my credit limit was still saying that the balance was {$540.00} and that I had negative {$43.00} in credit I was alarmed so I called them up on Friday XX/XX/XXXX at XXXX EST. They stated that it would take 5 business days to confirm my payment to make sure it wasnt sent back from my bank XXXX and stated they had no way to validate my payment actually went through because they cant contact my bank. Then proceeded to tell me I shouldve paid using my debit card which would post right away and the credit would be restored instantly which charges a 3 % fee .... the customer service agent also stated that by Monday XX/XX/XXXX in the afternoon my credit limit would be restored back to the amount minus the XXXX XXXX Since he stated my payment would show up with a debit card right away I decided to pay the extra XXXX $ On self.inc website which I made XX/XX/XXXX to ensure it would stop saying Im over my credit limit from a charge I did not authorize to begin with but decided to pay because it was a toll charge from a car rental agency well on XX/XX/XXXX I woke up checked the account at XXXX EST and it still said balance was {$540.00} so I called their XXXX number and spoke to XXXX from self.inc who hung up on me when I was upset she stated my card was locked even though I made payments that it would be held for 7-10 business days until it unlocks. Well I told her thats unacceptable they took all my money for a payment and are still showing my account like theres a balance owed and no good reason for doing it I always pay off my full balance she then proceeded to say it wont be restored till Tuesday when I dont believe a single word they say now that their representatives have lied and are taking over a week to post a payment that came out of my account last Tuesday and made up some story for no reason to keep my credit locked from me being able to use my card and told me I could make a payment with my debit card and it would post right away and it did not and their customer service agent hung up on me because I was upset that she was saying different information her name was XXXX but the entire company seems very shaky with their business practices with customers.
06/07/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	ID 83646	Web
On XX/XX/2022, I was notified of new activity from my XX/XX/2022 credit report. According to the credit report, a new loan account was created on XX/XX/2022 in the amount of {$520.00}. I notified the 3 credit bureaus and filed a police report that the new account was fraudulent. They informed me that the account was created using my old address and a phone number that I was not familiar with. XXXX first treated this as a normal dispute instead of a fraudulent activity and did not remove the loan account from my credit report. They actually resolved the first dispute by siding with the XXXX XXXX XXXX Self Financial. I also informed the XXXX reps that I was not able to reach a support person from XXXX XXXX / Self with the contact information they provided. They provided no help here, even when I told I think their contact information was incorrect. After the dispute was resolved in the bank 's favor, I contacted them again and finally had them escalate this to their fraud department ( and have since sent them a copy of my police report and am doing the same with XXXX ). The XXXX agents I talked with made it sound obvious that this was a fraud case since they helped me identify the phone number and address that was used in the fraudulent loan ... and yet, the dispute did not end in my favor. Also, XXXX 's online system for submitting paperwork ( XXXX ) is broken and does not accept PDFs or TIFF files, even though those were the exact instructions! Since XX/XX/XXXX through today, XX/XX/2022, I have been trying to contact XXXX XXXX XXXX AND Self Financial Inc but could not reach any live person through any of their phone numbers and automated telephone systems. I even went to a XXXX XXXX and they were also not able to reach a person by calling in. Self / XXXX XXXX apparently only helps their customers and have no means of supporting non-customers. Instead, their messages have directed me to an e-mail address. I finally e-mailed this e-mail address on XX/XX/2022 but have not been contacted as of XX/XX/2022. XXXX XXXX And Self Financial CURRENTLY DO NOT have sufficient support staff and actually have no live person to handle serious matters such as identify theft from non-customers. Look up their website info and try calling them, you'll get nowhere. ( XXXX ). I am still disputing this fraudulent account through the credit bureaus as we speak. I also want to world to know that criminals can open new loans through this company because they do not run credit checks, which made my credit freezes useless here as a form of protection.
12/19/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IN 46256	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SELF XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Date : XX/XX/XXXX RE : Late Payment Removal Balance : {$440.00} This letter serves as my explicit instruction and written notice. This account is a billing error. A creditor that fails to comply with the requirements outlined in the XXXX Credit Billing Act forfeits any right to collect from the obligor This is not a refusal to pay but a notice that this alleged debt is disputed. 12 CFR 1026.4 defines a finance charge. I respectfully request your company provide me with documentary evidence that clarifies this billing error. What authority do you have to collect debt in the United States? I consummated this consumer credit contract under good faith and credit. 16 CFR 433.1 ( i ) states Consumer credit contract is any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section. In accordance with regulation Z, you can be fined up to {$5000.00} for giving false and inaccurate information as well as not providing the consumer with proper and respective disclosures. I have reason to believe your financial institution is violating federal law by knowingly furnishing false credit information. It is impossible to be late on an extension of credit. No law under the Fair Credit Reporting Act requires your financial institution to report negative information to a consumer reporting agency. I do not consent to the furnishing of any negative information to any nonaffiliated third party. Furnishing this false credit information is a violation of federal law and a violation of my right to privacy. The Right to Privacy was declared a fundamental right by the Supreme Court in Puttaswamy v. Union of India. 2017 Furnishing false credit information to a nonaffiliated third party as a means of coercing payment on an extension of credit constitutes racketeering activity. Furnishing late payments is your institutions policy. Your company policy does not supersede federal law. I am demanding that all late payments are UPDATED to PAID AS AGREED and a DELETION of each late payment be submitted to the credit reporting agencies immediately to prevent y consumer credit reputation from receiving further harm. I am keeping careful records of all correspondenceor lack thereof- made via mail, telephone, and other means of communication. Your response must be provided within the allotted threshold for this communication. Sincerely, XXXX XXXX UCC XXXX
07/28/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	WA 98338	Web	Servicemember
On XX/XX/2023 a {$9.00} transaction fee was made by XXXX XXXX ( now XXXX. ) from my XXXX checking account. On XX/XX/2023, another transaction of {$3100.00} was made again by Self lender withdrawing from my same XXXX checking account. I have never had any contact with the company nor have I ever heard of the company until my checking account was compromised by Self lender ( also known as XXXX ). My bank- XXXX- was able to do a reversal on earlier withdrawals made from my checking and savings account but I was told by XXXX they can not go more than 60 days into a reversal per federal law, and the XXXX and XXXX transactions were made after the first withdrawal that occurred at the end of XXXX. I have called and emailed XXXX. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I only get a standard form letters stating they are unable to give me the money back that they took out of my account without approval or authorization. I have included my e-mail as well as their response below. You will see my latest letter to Self. and their standard reply I was given each time I emailed them. Hello, I have enclosed XXXX documents from my bank, XXXX. They explained that it is federal law that they can not credit back the {$3100.00} + {$9.00} transaction fee because of the 60 day restriction that I believe XXXX must be aware of since they are in the business of lending money. It is your responsibility to refund me the money Self stole out of my account without doing proper transaction handling with the person my money was given to. I am giving you a chance to reimburse my account with the money fraudulently taken from me. My account number is -- -- -- -- --. I was advised that Self. is quite able to reimburse my account especially since the irresponsibility came from your end. If Self. still will not reimburse my account please put me in touch with someone that has more capability to do so or I will be forced to report Self. CFPB and the U.S. Dept. of Treasury, Federal Trade Commission and whomever else I must to get my money back. The lack of quick response on your part has put me in a financial crisis. -- -- -- -- -- -- -- -- -- XXXX, Thank you for getting in touch. If you are reaching out to let us know there are possible fraudulent transactions listed on your bank account, please work with your bank directly to dispute any payments as unauthorized as we are unable to facilitate the returns on our end. Your bank will issue a refund in the form of a chargeback. Your bank will also need to take steps to secure your bank account as well.
10/06/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	OK 731XX	Web
I have a self XXXX credit card account I only use the account to pay bills and to buy my things at XXXX I have XXXX XXXX XXXX XXXX years worth of statements to prove this this is my second account with them in XXXX years anyway XX/XX/XXXX I was awoken to a fraud alert which I immediately called my card company and in that process canceled that card and had another XXXX shipped to me it was XXXX online purchases to XXXX XXXX which I'm not a drug addict I don't buy things like that never have never will and all my credit card statements for XXXX XXXX XXXX XXXX years show that I can not obviously get the account for the XXXXXXXX XXXX XXXX XXXX years before that anyway I even offered to take a state blood test to prove that I don't take these items and at that time my credit card company did hold or suspend that payment I received my new card in the mail on XX/XX/XXXX the very next day the XXXX payments from the XXXX XXXX was posted to my account causing me to go negative on my credit XXXX account I immediately called the company again and they said that they verified with the company that I had made to purchase my town has had XXXX and XXXX of news reports and things on credit card skimming from XXXX and other places and I told these people that I did not make that and they should know I've been with them for 5 years and nowhere on any of my statements does it show any kind of activity like that and that I would show them proof with a blood test from the police department or anywhere they said the merchant proved that I made it by giving my information and they will not suspend this transaction while they are looking into it again I tried to call the company that it says I was billed to and in XXXX the name it brought up over XXXX phone numbers I started calling them out of the first XXXX that I called only XXXX of them were actual numbers which I left voicemails at but of course no response I even asked my financial institute self for the information that they had to get a hold of those people they would not give me that information and then they say they've sent a mail out to me for closing out the first time I have received no case numbers to check on or anything about this and no help from my institution that I've had for XXXX years I can not afford {$200.00} in fraudulent charges on my account right now I can't even pay my bills because my account is in the negative which everything that I've read says if there's a dispute they must suspend that amount until the dispute is over with anywhere from XXXX to XXXX days
03/03/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	MD 20853	Web
On XX/XX/XXXX I went to my local XXXX XXXX and my card was stolen. I did not realize what had happened until XX/XX/XXXX because the purchases were not flagged by Self FinancialXXXX XXXX XXXX XXXX XXXX I contacted Self Financial and made them aware of over XXXX transactions totaling close to {$700.00}. The customer service representatives continued to not include all of the transactions that were fraudulent and lessen the amount owed. I also contacted the police and the incident was investigated throughly by XXXX XXXX XXXX and the perpertrators were captured on camera. Despite the fact that I offered to provide the police report, XXXX. XXXXXXXX XXXX information for direct contact, and proof of the theives existance ( Security officer at one of the stores is a witness ) Self Financial continued to deny my claim, because they said that transactions happened after the incident occcured. This is a lie, and comes from a place of profound ignorance of facts. 1. ) As I mentioned earlier in this letter, Self customer service agents did not record all of the transactions made by the theives so it makes it look like transactions came in after the fact. 2. ) The only transaction that " officially '' came in after the incidents was a refund of XXXX from " XXXX XXXX XXXXXXXX '', The thing that frustrates me the most is that even though I submitted this dispute three times to Self Financial they never contacted me to get the police report, or any information from me for verification. I have not only been victimized once but three times. 1. ) By the perpertrators of the crime, 2. ) By Self Financial who continues to treat me as an accomplice/or a liar and 3. ) My creditXXXX score has been gravely affected because the credit card has a high balance that I did not create. This is a list of the transactions made by the theives : 1. ) XXXX {$100.00}, XXXX. ) XXXX {$1.00}, {$160.00}, {$87.00}, {$160.00}, {$24.00}, {$10.00} XXXX. ) XXXX XXXX XXXX {$100.00} and XXXX ). XXXX {$8.00}. Please note that all of these stores are located in the same place at a large indoor mall, therefore it is very easy to just walk from one store to the other. I used the card at a XXXX XXXX and the XXXX XXXX ( were it was stolen ) earlier in the day at the same mall. On a final note and something I have been pondering... sometimes I make a purchase and the transaction comes in as pending and then gets processed many days later as posted. Why is Self punishing me for something they have established as common practice.
10/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 53208	Web
On XX/XX/XXXX, I sent a XXXX Letter by certified mail to Self Inc explaining my hardship and how that resulted in a late payment in XX/XX/XXXX. On XX/XX/XXXX I received a response from Self Inc by email stating they are not able to accept XXXX Letter Requests to remove factual information from credit reports and that the late payment will remain on my consumer report. On XX/XX/XXXX, I sent an email to the CEO XXXX XXXX with my XXXX Letter explaining my hardship and how that resulted in the late payment in XX/XX/XXXX and asked for the information to be permanently deleted from my consumer report. On XX/XX/XXXX, I received an email from Self Inc again stating they are not able to accept XXXX Requests to remove factual information from credit reports. On XX/XX/XXXX, I responded referring to U.S Code 1666b ( Timing Payments ) which states " a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ''. I explained that by reporting the late payment they are violating my Consumer Rights and are hindering my credit so I demand they delete the information from all credit reporting agencies. On XX/XX/XXXX, Self Inc responded back again stating they are not able to remove the factual payment history they are reporting and that I can also close my account if I am experiencing hardship, or wish to opt out of the program. I responded the same day referring to 15 U.S Code 1681a ( 2 ) ( i ) ( Exclusions ) which states a consumer report does not include " report containing information solely as to transactions or experiences between the consumer and the person making the report. I continued by stating it is illegal to report late payments on a consumer report and I demand them to delete the information. I also included screenshots of the Consumer Laws for their references by did not get a response back. On XX/XX/XXXX, I sent Self Inc a certified letter explaining my Consumer Law 15 U.S Code 1681a ( 2 ) ( i ) ( Exclusions ) and to delete the unlawful information. On XX/XX/XXXX, I received an email from Self Inc stating I requested a validation letter for an account I did not ask for. The account they are saying I asked for validation for does not have any late payments reporting to my consumer report, so I do not see how they confused the two accounts. I have continuously reached out to Self Inc along with the CEO to fix this issue and the company is refusing to comply with my rights to remove the late payment in XX/XX/XXXX.
05/16/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19136	Web
I have disputed the account with Self Financial INCXXXXLead Bank via the consumer reporting agencies on XX/XX/XXXX. The information came back verified and updated. Recently I have pulled my consumer report and noticed that Self Financial INC/ Lead Bank has been reporting a charge off to all credit reporting agencies as of XX/XX/XXXX. Self Financial INC/ Lead Bank has never classified the billing error or provided the original instrument of indebtedness in order to lay claim to this alleged debt, instead Self Financial INC /Lead Bank charged off the alleged debt and furnished fraudulent information to the consumer reporting agencies as a mean to bring harm to mean and my financial reputation. This alleged debt was disputed well before it was charged off. Any and all money paid to this account shall be returned immediately by money order or cashiers check to my place of abode. I have reasonable cause to believe that the information furnished by Self Financial INC/ Lead Bank is inaccurate. I also have reason to believe Self Financial INC/ Lead bank is knowingly furnishing false and misleading information to the consumer reporting agencies as a means of committing unlawful extortionate means. This account is shown in charge off status on my consumer report with a balance. ( see attached ) I am aware that a charge off in accordance with 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability. I never received a 1099-C for this account, so I have reason to believe that Self Financial INC/ Lead Bank is furnishing their gross income to the consumer reporting agencies. The continued reporting of this knowingly inaccurate information is a clear violation of 15 U.S. Code 1681s-2 of & 15 U. S. Code 1681e ( b ). I am also aware that if Self Financial INC/ Lead Bank has filled out a 1099 c form and its continuing any kind of collection activity as defined under 31 U.S code 3711 ( e ) by performing any of the following conduct, administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, pursuing litigation, you are committing tax fraud and should be reported to the IRS for fraudulent financial gain. Also I am invoking my right to refuse to pay this alleged debt and wish to cease further communication In accordance with 15 U.S. Code 1692 c ( c ).
03/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	PA 19111	Web	Servicemember
Self Scammed me out of $ XXXX after almost 2 years of building my loan account and opening a self credit card. They Randomly closed my account when they notice I was close to paying off my loan account and my self credit had $ XXXX credit on it, fully paid off with good payment history. Self is a prepaid credit build program advertised to help people build their credit by opening an account and putting down a deposit. Every credit is from consumers and it is NOT credited by Self Inc. They yet to give a legit reason why theyve close my accounts besides my accounts are under review or return all my funds I deposited in my loan account and secured credit card account. Its going on 4 months. And I plan on sharing this info everywhere and chance I get to leave a review about this company so people can be watchful of their schemes. Seem when you fully complete paying their stallment loan savings account and secured credit card they recommended thats when they hit you with a random/surprise review of your accounts and close it down causing customers to immediately losing access to all their funds we work extremely hard for and saved. Ive heard the same from bunch of people who had this seem experience Im dealing with right now after doing some research. Below I'll attached screenshots of both my Self Secure Credit Card and And Installment Loan account balance at the time of Self closed my accounts, and conversation with Self ... they do not have a direct contact to their financial department so consumers have to email. Keep in mind each loan term is 12 months, and I select the {$150.00} payment for 12 months. I completely the first loan term for the first year and converted it to the secured credit card which give a a credit limit of {$1600.00}. Halfway through the second loan term I was qualified to increase my secured credit card limit with the already saved amount on my second stallment loan which was still in complete, they allow that to those with good payment and adequate amount saved. I Increased my secure card balance to {$2400.00} from my installment credit builder loan account. In XXXX, 3 months to completion of my credit builder loan account ... that's when they randomly closed both my accounts secured credit card and loan account with $ XXXX already saved in the credit builder account apart from my {$2400.00} paid Self secured credit card. My credit score also dropped tremendously due to them closing both accounts.
05/21/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 75231	Web
consumer law violation 15 U.S.Code 1681i ( a ) ( 1 ) - 30 days only to run an investigation before violation of this subsection. Notice, it is a fact, affiant is aware, if, the consumer, disputes the completeness or accuracy of any item contained in the consumer report about me, a reasonable reinvestigation, must be conducted to determine if the information is indeed inaccurate, and record that status of dispute or delete the item within a 30 day period. I, the affiant, has proof of this dispute sent on XX/XX/23 and it has been 30 plus since the original date shown in EXHIBIT ( A ) This reinvestigation has taken longer than 30 days should have been deleted. This is a violation of 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) and the information associated with SELF FINANCIAL INC/ LEAD BANK Account # XXXX must be removed. 15 USC 1681i ( a ) ( 1 ) ( A ) consumer law violation 15 U.S.Code 1681 ( 5 ) ( A ) ( i )- If 30 days have past information has not been verified within that time of reinvestigation, the information must be deleted. ( Past 30 days ) Notice, it is a fact, affiant is aware, after 30 days the information can not be verified, or if the information is found to be inaccurate or incomplete, the information must be deleted, modified as complete and accurate. The information associated with SELF FINANCIAL INC/ LEAD BANK Account # XXXX is still reported inaccurately as shown in my EXHIBIT ( A ) before the investigation and shown in my consumer report after the investigation. This information should have been deleted and I should have been notified of this deletion. This is a violation of 15 U.S. Code 1681 ( 5 ) ( A ) ( i ). I demand to know the persons who certified this information otherwise remove SELF FINANCIAL INC/ LEAD BANK Account # XXXX. 15 USC 1681 ( 5 ) ( A ) ( i ) consumer law violation 15 U.S.Code 1681 ( 6 ) ( A ) - failed demand to comply or failure to comply Notice, it is a fact, affiant is aware, in accordance with 15 U.S. Code 1681 ( 6 ) ( A ), I, the consumer and affiant in fact has the right to demand compliance within 5 days for the results of a reinvestigation via written notice. SELF FINANCIAL INC/ LEAD BANK has failed to comply in the past, and I, the affiant, are demanding SELF FINANCIAL INC/ LEAD BANK to comply with a response within 5 days of this notice with my written instructions. This is a violation of 15 U.S. Code 1681 i ( 6 ) ( A ) and SELF FINANCIAL INC/ LEAD BANK Account # XXXX
08/14/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	PA 19114	Web
In accordance with the guidelines established by the Fair Credit Reporting Act ( FCRA ), a vital legal framework designed to protect the rights of American consumers pertaining to credit bureaus, I hereby initiate a formal dispute regarding the following account : Account Details : Account Name : XXXXXXXX XXXX Account Number : XXXX Original Creditor : - Company Sold : - Date of Account Opening XXXX XXXX XXXX XXXX Open/Closed Status : Open Status Update : XXXX XXXX Account Type : Installment Status : Pays Account as Agreed Balance : {$480.00} Balance Update : XX/XX/ Original Balance : {$520.00} Paid Off : 7 % Monthly Payment : {$25.00} Past Due Amount : - Terms : 24 Months Responsibility : Individual Account It has come to my attention that the reported account status, specifically the " Pays Account as Agreed '' designation, does not accurately correspond with the original balance and payments made. Furthermore, the " Paid Off '' percentage appears to be inconsistent with the reported balance and payments. I would like to remind XXXX of the provisions outlined under the FCRA, specifically : 15 U.S.C 1681 Section 602 A : This section emphasizes my right to privacy and underscores the importance of accurate credit reporting. 15 U.S.C 1681 Section 604 A Section 2 : This clause emphasizes that a consumer reporting agency can not furnish an account without obtaining my written instructions. 15 U.S.C 1692C : This section highlights that a debt collector is prohibited from communicating with a consumer in connection with debt collection without my prior consent or the express permission of a court of competent jurisdiction. In light of the aforementioned laws and the inconsistencies in the reporting of this account, I am requesting an immediate resolution to this matter. I kindly request that XXXX takes the necessary steps to rectify the inaccuracies in the account 's reporting and ensures that my right to privacy is upheld. Furthermore, I want to assert my right to end all communication tactics related to this account. I expect that no further communication attempts will be made by any parties involved, including debt collectors. Your prompt attention to and resolution of this matter are greatly appreciated. I anticipate your diligent efforts in addressing this dispute and ensuring accurate and equitable credit reporting. Thank you for your cooperation and adherence to the principles outlined in the FCRA.
06/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 21113	Web
Dear Sir/Madam, I am writing to dispute the inaccurate utilization reporting for my Self Credit Card account on my credit reports. I have attached the relevant credit card statements for the months of XXXX and XXXX as supporting documentation to expedite the resolution process In reviewing my credit card statements, it has come to my attention that there are significant errors in the utilization reporting for the mentioned months. Below are the discrepancies I would like to address : XXXX. XX/XX/2023 : The reported utilization for this month is stated as {$140.00} ( XXXX usage ), when in fact, the utilization should have been {$0.00}. The payment statement closing date for XXXX was XX/XX/2023. These inaccuracies are not only misleading but also have a negative impact on my creditworthiness. As such, I kindly request that you rectify these errors immediately and update my credit reports accordingly. I want to draw your attention to the following sections of the Fair Credit Reporting Act ( FCRA ) that I believe have been violated in this instance : 1. Section 611 ( a ) ( 5 ) ( A ) - Timely Resolution : The credit reporting agencies are required to respond to a dispute within XXXX days of receiving it. Failure to do so violates this section. 2. Section 607 ( b ) - Duty to Correct and Update : Credit reporting agencies have a duty to promptly correct any inaccuracies or incomplete information. Reporting incorrect utilization violates this section. I expect you to initiate a thorough investigation into the inaccuracies mentioned above and promptly contact Self Credit Card to verify the accuracy of the utilization reporting. Furthermore, I request that you provide me with a detailed response within the legally mandated timeframe of XXXX days, outlining the results of your investigation and the actions taken to rectify the inaccurate reporting. Please consider the attached credit card statements for XXXX and XXXX as irrefutable evidence supporting my dispute. If there is any additional documentation or information required from my end to facilitate the investigation, please inform me promptly. Thank you for your attention to this matter. I trust that you will handle my dispute with the utmost professionalism and urgency, adhering to the legal obligations outlined in the Fair Credit Reporting Act. I insist on the errors being corrected promptly and my credit reports being updated accordingly. Sincerely, XXXX
12/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WA 98445	Web
15 U.S. Code 1681a - Definitions ; rules of construction ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 2 ) Exclusions. the term consumer report DOES NOT INCLUDE ( Definition of exclusions : refer to things or individuals deliberately left out or not included in ) ( Definition of Include : The term include means to contain something or to make something part of a whole. It involves incorporating or considering someone or something as part of ) any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Definition of consumer : an individual Definition of person : The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. They are reporting a transaction and an experience which Congress states is not INCLUDED in my CONSUMER REPORT Their opinion does not matter the U.S federal law is the law and it clearly states transactions and experiences are not INCLUDED in my consumer report. Delete the account off all my consumer reports immediately. 15 U.S. Code 1681- Congressional findings and statement of purpose They should not be reporting negative information about me to a company which Congress says Assumed a vital role and has the ability to damage my mental and financial life. This causes me not to be able to move forward with my life which is not ( fair ) and credit reporting has to be fair to me the consumer! Either way transactions and experiences I had with them are not included in my consumer report. SELF FINANCIAL is in violation of the federal law. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( up to {$1000.00} ) U.S. Code 1611- Criminal liability for willful and knowing violation ( up to {$5000.00} )
05/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 294XX	Web
Self Inc, XXXX XXXX and XXXX have ruined my reputation by furnishing unaccurate information on my consumer report. They have continuously violated multiple consumer laws by reporting in inaccurate late payment on my consumer report. On my consumer report a late payment is being reported for XX/XX/2021 during the pandemic. These companies are misusing medical credentials and violating the HIPPA Laws. As everything I do is for my welfare and health. Self, XXXX, XXXX, and XXXX I am requesting a full accounting of this account both the debt and credit side of the ledger. There are no Late payments on the ledger just credits and debits. In accordance with title 15 usc 1681 B Permissable Purposes A furnishing agency may only furnish a consumer report with the written consent of the consumer. I do not give Self Inc, XXXX, XXXX, XXXX, consent to furnish any late payments on my Consumer report I demand that the late payment for XX/XX/2021 be updated to paid as agreed. Refusal to remove these late payment and update them to paid is noncompliance unde 15 usc 1681 n Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} noncompliance will not be tolerated as my reputation is being damaged as well as the health and posterity of my family. Pursuant to usc 1681a ( 2 ) b any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit or similar device should be excluded from a consumer report, The Definition of a credit card under 15 usc 1681 is the same under title 15 602 ( I ) which is the term " credit card " means any card plate coupon book or other credit device existing for the purpose of obtaining money property labor or services on credit, Congress said ANY card. The credit card is my social security. This is the credit card I use to originate every consumer transaction. All acoounts should reflect that I am the original creditor therefore a late payment can not exist. I am giving my written instructions that all furnishing reports and consumer reports be updated immediately to reflect such and that all late payments be amended to paid as agreed,
08/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30135	Web
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the XXXX and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done SELF FINANCIAL/LEAD BA can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If SELF FINANCIAL/LEAD BA reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do not require subrogation of the bond to settle the charge
02/07/2023	Yes	Credit card or prepaid card General-purpose prepaid card	Unexpected or other fees	NY 116XX	Web
On XX/XX/XXXX I was given the option to extend my credit line to {$1800.00} and then paid {$500.00} towards my bill. The next day on XX/XX/XXXX, I received an email with notice that my accounts ( credit card and credit builder prepay account ) are terminated due to multiple returned payments. Ive had 1 returned payment on XX/XX/XXXX for {$770.00} and made an instant payment the same day for {$1000.00}, paying the balance in full. I have never been late with a payment and had the card over a year, the credit builder account is the second one Ive had and Im only 3 months in. When I contacted the customer service on XX/XX/XXXX via chat I was told the same information, my accounts are terminated, and that my request has been escalated to their fraud team. I contacted customer service after finding their phone number on the internet today, XX/XX/XXXX, waited on hold for 18 minutes and was told the same information by a representative. I explained Ive never been late and thats reflected on my years worth of statements and was told again my request has been escalated. I asked to speak to the fraud team and was told I can speak to a supervisor. I waited another 20 minutes on hold until I was told the supervisor was out today. When I asked why my credit limit would be extended if Ive had multiple returned payments the representative began reading off transactions that, according to my own statements in front of me, did not exist. I said there must be a mistake in their data because I do not have those transactions and I asked to speak to anyone else who could help me- the representative began getting aggressive with me and continued reading off transactions and dates that did not exist. I asked to speak to anyone else and was told to wait on hold ( now totaling 01:09:11 minutes call ) until the call was disconnected at 01:15:54. I called back and had the same representative who gave me the same information as before and told me to wait for an email from their fraud department. I asked how long it would take for a response and she told me she couldnt give me an estimate. I asked for a queue number and she gave me a case number : XXXX. Until then, my accounts have been closed and I have a balance since my credit line was increased the day before closure my payment went into a void and this will severely damage my credit score.
05/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CT 06704	Web
In XX/XX/XXXX, I made an unfortunate decision to open a self-credit building account, which required me to pay a monthly fee along with a certain amount. The purpose was for them to report this activity to my credit history and eventually refund me the amount I paid after 12 months. However, unbeknownst to me, in XX/XX/XXXX, they opened a credit card under the same account without my knowledge or consent. To make matters worse, they deducted approximately {$200.00} from my protected loan without my permission and transferred it to this unauthorized credit card. Additionally, they charged me a yearly fee of {$25.00} without my prior knowledge. I remained unaware of these actions until XXXX when I discovered a late payment on my credit report, resulting from the non-payment of the dues on this unexpected credit card. It is important to note that they wrongfully took money from me without my consent, as I had not been informed or involved in these transactions. I have documented my interactions with them while attempting to have this account removed from all three credit bureaus. If they fail to rectify the situation by removing this account from my credit report, I will be left with no choice but to pursue legal action against them. I believe I have grounds for several legal claims, including Unauthorized account opening : ( They opened a credit card without my consent or knowledge, which is a violation of consumer protection laws. ) Unauthorized deduction : ( They took around {$200.00} from my protected loan without obtaining my permission, which constitutes unauthorized access to my funds. ) Hidden fees : ( They charged me a yearly fee of {$25.00} without disclosing it upfront or obtaining my consent, which is deceptive and unfair business practice. ) Credit reporting negligence : ( Their failure to inform me about the credit card and subsequent non-payment resulted in a late payment appearing on my credit report, potentially causing damage to my creditworthiness. ) Again I have meticulously documented my interactions with them in an effort to resolve this matter. However, if they do not take immediate action to remove the account and rectify the damage caused, I will proceed with legal action to seek compensation for the harm, inconvenience, and potential financial losses I have suffered due to their misconduct.
10/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85048	Web
In pursuant to 15 usc 1666 ( 3 ) ( i ) ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or I do not agree with the statement that has been reported on my consumer report without my consent, show me the documents that I gave them permission to report anything on my consumer report, further more they have infringed upon my rights to privacy. Due to the fact of them reporting inaccurate information on my consume report this has stopped me from being able to leverage my consumer report to acquire my everyday living and a new car. I feel as the misuse of my credit is taking place because I am apart of a tribe and indigenous, they are discriminating me by reporting innacuate information. Once again I demand that they provide me with the written communication in where I gave them the right to report these late payements, I demand deletion at once with these late payements reported on my consumer report. Credit is the right granted by me the creditor and with the deceptive and unfair practices they have affected me from excersing my rights and acquiring lines of credit. I Demand that they send the consumer file to the address below XXXX XXXX XXXX XXXX XXXX arizona [ XXXX ]
05/19/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	UT 84341	Web
My self credit card account as well as my credit builder account were closed with no explanation on XX/XX/2023. I had called the support line, and chatten the live support teams with no resolve as to why my accounts were being closed. I asked for a manager call on the chat and was told that a manager wouldn't have any answers for me and a manager escalation was refused by the self representative. I was promised a same day manager call back by the phone rep, and a call was never received. Self terms and conditions state that once an account is closed the deposit for the secure line of credit will be returned within 14 business days. After waiting 3 weeks for my deposit, I once again contacted Self via the live chat option and I was informed that my roughly {$3000.00} is being held by Self for an account review. I asked why I am under review if the account is closed. I was informed that no further information will be provided as to the nature of my account, or the status of my money by the chat rep. I find this totally unacceptable. I then called the Self customer service and was supplied with the email XXXX to contact. I was also told that if the review is resolved and I am awarded my payout, I will be subject to another XXXX business day waiting period before a check would be mailed. This is also unacceptable as I have been owed this money for three weeks at the time of sending my email to them. I was told I couldn't be informed of why I am under review, and I have not had any requests to verify any information. I chatted again yesterday and was told again that they are unable to tell me why I am under review, when I might see my money back or any additional info pertaining to the issue. I then received an email stating the same. I have been patient. I have gone through the steps to try and get answers to my questions, and I have waited the appropriate amount of time to receive my money back. I no longer wish to do business with Self. They had no issue taking my money. There should be no issue paying it back. I am requesting expedited payout of the money owed to me. I also looked them up on the XXXX and they are having several reports of the same issues. Accounts closing with no notice or explanation and refusing to discuss the nature of accounts, or disclose any information for resolve.
08/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL XXXXX	Web
On XX/XX/XXXX, I opened up an account which shows on my credit report as SBNASELFNRD to be reported for one year using a security deposit. This was to build my credit and get a return of the security deposit at the end of the one year period. After one year ended, instead of receiving back my security deposit when requested, the company started a new unauthorized account which showed up on my credit as SELFINC/LEAD ( XXXX XXXX ). I tried contacting them to dispute it but I could not get through to anyone. To avoid my credit being negatively affected, I made the minimum payment while trying to dispute and close the account. During this time I could not log in or create a new account online. I was out of work for a period of time in XXXX and could not continue making payment but still could not get the company to close this account. In XX/XX/XXXX, I figured out how to email Self Financial and informed them that I never authorized the account or received a statement from them. I was informed by email that its done automatically and and you have to log in to get one. I informed them that I could not log in and the number on back of the card could not reach a person not give me account details. I was also told that they closed my account back in XX/XX/XXXX and took my {$470.00} security deposit to pay for fees and late fees and that I still owed another {$170.00}. However, they lied because this account is still showing as open on my credit file, further damaging it. The {$470.00} was my money to use but the late fees came from this company who refused to close the account. I am currently still receiving invoices for fees and my credit is ruined due to this company. I was told by email that they would not remove this account from my credit report until I pay them {$170.00}. This is Fraud because I never authorized this account to be added to my credit again. I continue to receive harassment emails from this company and Im told that my it wont stop until I pay them {$170.00} and then late payments will remain on my credit file. I want this removed this from my credit file. This company commits fraud and add unauthorized charges and fees to consumers credit report. Then they refuse to work with customers in order to resolve the issue.
11/19/2023	Yes	Checking or savings account Other banking product or service	Improper use of your report Reporting company used your report improperly	CA 94014	Web	Servicemember
I am writing to formally dispute late payments reflected on my credit report for the months of XX/XX/XXXX and XX/XX/XXXX associated with the account opened with XXXX XXXX Self Lender Account Number : XXXX, Loan Number : XXXX, CD : Number XXXX. The account in question was initiated on XX/XX/XXXX, and closed on XX/XX/XXXX. The late payments reported on my account were a direct consequence of the post-pandemic financial hardships that significantly impacted my ability to fulfill financial obligations during that period. I am disputing these late payments as they do not accurately reflect my financial responsibility or creditworthiness, and they were a result of extenuating circumstances beyond my control. Moreover, I wish to highlight that the reported late payments go against specific provisions outlined in the Gramm-Leach-Bliley Act ( 15 USC 1681 ), which protects consumer privacy and imposes restrictions on consumer reporting agencies. Specifically, 15 USC 1681 Sections 602 and 604A ( 2 ) ensure the right to privacy and prohibit the furnishing of information without explicit written instructions. Additionally, as per 15 USCS 1666b, creditors are prohibited from treating payments on credit card accounts as late for any purpose without just cause. The inaccuracies in my consumer report have unfairly impacted my financial standing and are a breach of my rights under this statute. The inaccuracies in my credit report, specifically the reporting of late payments during this challenging period, have unfairly restrained my ability to access fair credit terms, constituting a restraint of trade. Therefore, I kindly request a thorough investigation into these discrepancies and the removal of the inaccurate late payments from my credit report in compliance with the aforementioned statutes. I seek a fair and accurate representation of my credit history in accordance with the law. Please provide me with written documentation of the investigation 's results and any corrective actions taken. I want to emphasize that I am prepared to take legal action to protect my rights in the event that these inaccuracies are not addressed satisfactorily and in compliance with the law. Thank you for your prompt attention to this matter.
11/09/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	TX 75071	Web	Servicemember
Hello, my name is XXXX XXXX On XX/XX/2022 self financial inc headquartered at XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX Locked my credit card.My credit card was paid and up to date and I have never missed any payments.Self financial sent me a email demanding that I send proof and verifymy wifes debit card I used to pay my self credit card account. I have sent everything the asked for from, copies of my wifes bank statments, to pictures of my wifes debit card, to a picture of my wifes social security card, a copy of our texas marriage certificate and even pictures of me and my wife holding our drivers license with our matching addresses.And ther name on her drivers license that matches the name on the card I use.Self has pourpusly and malicously refuse to accept any of my information to show without a showdow of a dought i leaglly and rightfully was allowed to you my wifes debit card. Texas is a communiy property state and under state law her account is mine and vise versa, and I have fully athority from my wife to use her account and she has the same authority with my.Self has intentionlly went out there way tp cause me and my family financial harm by cutting off my line of credit for no reason even after all information was provided to self .Im accusing SELF FINANCAL INC OF PREDITORY LENDING. under texas qualifications for preditory lending-Predatory lending is any lending practice that imposes unfair and abusive loan terms on borrowers, including high-interest rates, high fees, and terms that strip the borrower of equity. Predatory lenders often use aggressive sales tactics and deception to get borrowers to take out loans they can't afford. SELF ENGAGED IN PREDITORY LENDING BY-IMPOSING UNFOAR AND ABUSIVE LOAN TERMS.In the email sent to me XXXX second self demanded that I further provide the same documents even though the documents i provided on XXXX seperate accassion were legitamite, authintic, was from the list of acceptable documents self provided to me to send and they proved without a shodow of a dought that there was no errors.The deception came when self knowing knew these documents were legitamite and accure and still used abusive tactics anyways with there man goal of closing my account.
07/03/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	IL 617XX	Web
On XX/XX/2023, I paid my Self credit card bill. On XX/XX/2023, my card was locked and I received an email stating During a routine review of your Self account we have determined that well need some further documentation from you in order to complete that review. Self required for me to send in a copy of my ID, social and bank statement in which I provided those things to them. On XX/XX/2023 I received another email stating After carefully reviewing your customer profile, we have decided to cancel your XXXX XXXX Account with XXXXXXXX XXXX XXXXXXXX I called self over 6 times during this process. No one could provide me with additional information. On XX/XX/2023, I received an email stating my credit card account was closed and Any remaining security deposit funds will be returned to your XXXX XXXX Account if possible. If your XXXX XXXX Account is closed, or we are unable to move the fund to your XXXX XXXX Account, any remaining funds will be returned using the payout preference we have on file in approximately 14 calendar days. I called Self again to try to understand whats going on. No one can tell me anything or let me speak to a supervisor. On XX/XX/2023. I received a {$31.00} payment from the closure of my self builder account, however, I still have not received my {$520.00} payment from my credit card account. I was informed that they will release funds after their investigation in which I havent had any updates or information about.! Ive called over 10 times and have been left with the same response. On XX/XX/2023 I received an email stating Thank you for reaching out. Your payout status is still currently under review. While, we can not disclose timeframes of our internal review processes, you will receive email notification once any available funds are released upon conclusion of our review. Its been over a month and they wont release my money. This is a secured credit card. The account was opened using money that was provided by me.! Therefore, once the account closes, funds should have been returned to me.! Ive had this account for over 3 years. It is now XX/XX/XXXX almost 3 months after the date and I have yet to hear anything and I have not received my money back.
06/13/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	TX 75074	Web
This issue started around XXXX or XXXX XXXX XXXX I have called Self several times and disputed these charges. Instead of protecting the consumer SELF held me responsible for the charges. This has been an ongoing issues even after me replacing my card 5 times. I have called the merchant directly and being that the charges was not made from my account they could not locate the charges. I even asked if they could search the last 4 digits of my card and find the person who charged the card ( something that should have been done by SELF during the dispute process ). No one has been able to help me so I got a new card and never activated it. I got my new card in XXXX which was the last fraudulent charge. I literally activated my card on or around XX/XX/XXXX. Today is XX/XX/XXXX and my card has had another fraudulent charge. I have come to the conclusion that SELF is not protecting the consumers. Even after numerous calls and emails and me having to replace my card, SELF has not put any security in place to stop this merchant from continuously charging my card. At this point this is a security risk and until SELF put better security measures in place to protect consumers they should be held responsible for consumers having to go through being exposed to fraud. If my card information can keep getting hacked then SELF isn't protecting my personal information as well. If a financial institution can't protect the consumers then the service should not be able to operate. Per the phone call I had with the rep from SELF today even if the charges are fraud the merchant doesn't have to pay it back, which is what happened to me on the previous charges. If my account and personal information cant be protected by SELF and the will not update their security measures, I will seek further action. It is not okay for a company to expose consumers to fraud or possible identity theft. I am not the only person going through this with self and I would hate to have to be apart of a class action suit but something needs to be done ASAP! I have also attached a photo of SELF so called disputing the charge but turned right around and took the funds back, leaving me liable for another unauthorized purchases!
03/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91789	Web
On XX/XX/2023, I got a notification from XXXX that my score dropped. I checked it immediately and found out that an account was opened under my name without my knowledge. It was for secured loan of with SELF FINANCIAL/LEAD BANK ( Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX ) for {$3000.00}. I knew right away that this isn't mine of course because of so many red flags. One, I never apply for a secured loan because I don't do collateral. Second, when I checked my personal information, there were inaccuracies in the information. An address that I am not familiar with was on my file. This definitely made it clear that someone had access to my personal information and that my identity has been compromised. I immediately called the bank ( Lead Bank ) to whom the loan was made to let them know that the account created under my name was fraudulent but the representative told me to call another company SELF FINANCIAL to file a fraud/complaint. I tried calling SELF FINANCIAL and of course it is an automated voicemail with instructions on how to report fraud. I emailed the SELF FINANCIAL at this email address - XXXX. At first, they instructed me to file a report to www.identitytheft.gov which I did and submitted this report over to them along with a cover letter explaining why this account was fraudulent. I gave all the information that threw red flags on my report including an unknown address that I've never seen on my report. I submitted the documents on XX/XX/2023 and followed up on XX/XX/XXXX but still no response from this company but they keep on reporting to the credit bureaus. I submitted these documents to all three credit bureaus and told them about the fraudulent account. As an additional precaution, I also froze all accounts on all three credit bureaus. I am just disappointed with XXXX when I got a reply saying they won't change my credit report even with the inaccuracies in my personal information in the report. I would just like to get this account off my all my credit reports because of the obvious inaccuracies and plus, I don't really do Secured Loans because I don't have collateral. I wonder what collateral was used to secure this loan.
08/28/2023	Yes	Debt or credit management Credit repair services	Confusing or missing disclosures	NJ 07726	Web
I was using the SELF app today XX/XX/2023 because I have a credit card and a credit builder account with them. On their app, there is something called Rent and Bills, it states Get a credit boost by adding your rent payments and bills. It then continues to ask for your bank information using plaid so you can sign in and pick the bills you want to use for an additional credit score boost. After, and only after they take all your information and sign in to your bank account seeing all your payments and charges, they then ask you to pay a monthly subscription to get the boost. This is very deceptive and it is not right! I have pictures from the app. I proceeded to chat with SELF customer service in the app chat section, got a live agent and asked them to remove my information immediately. SELFs own agent responded with you will have to contact a different company! Called XXXX. I went to XXXX and their agent XXXX XXXX replied with Please know, your rent+bills account and self account was a separate account however, rent+bill is another feature that self offers. I see and I understand where you're coming from. For your rent+bills ( XXXX ) account I see that you don't have a subscription yet but I see that you already linked your bank account. I can delete your bank if you're not ready to use your rent+bills account. The add was on the app itself that listed my account details for my credit card, overview, options to make a credit card payment, and then the same type of list stated boost your credit with your rent and bills. This wasnt a little add with an XXXX. This was just listed nonchalantly as if it were apart of my credit building service. I didnt get to screenshot the last photo after adding my bank info and selecting the bills for the rent boost but take my word for it. They asked me now that they had my info, to please pay a monthly subscription premium of $ XXXXBut all the other photos are ones that lead up to that page and nowhere does it disclose that payment or purchase is necessary! Im sorry but im not going to add my bank details again just to get the screenshot of the company asking for money. Unless someone explicitly asks me from the consumer affairs.
05/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89128	Web
I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND XXXX HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, utility bill, driver 's license, and insurance card. This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, XXXX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, XXXX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. XXXX Account # XXXX U.S.C 1681 section 602 A. States I Have the Right to Privacy!!! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A AccountWithout My Written Instructions!! DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00}
12/08/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	GA 30035	Web
Around XX/XX/2022 I was getting ready to make a purchase using my self credit and it got declined on the purchase I was trying to make. So I tried the transaction again and it declined again and that when I decide to login into my SELF account to check my balance and I had availability credit into my account but couldnt understand why my card declined. So I email self because that was the only way I was able to get in contact with an agent. They sent me an email stating that they need to verify my payment account? Not understanding what that is and why that happen all the sudden when I been with self almost XXXX XXXX at that point and never had an issue to with my account up til then. So SELF ask me to email them a copy of my bank statement in XXXX in order for them to whatever verify my account. I sent over the document that they ask and a day later I get an email from self saying that my account as been CLOSE with no real proper reason WHY! I ask them well what about my deposit that I already put into the account will I get that back? The agent reply yes after the investigation is done. After the investigation was done they mail me back my payment of XXXX which took time to receive after I had to follow up with them asking them where is my payment. I obtain a copy of my credit report and notice that they are reporting the account as delinquency and that I owe a balance of XXXX which is affecting my credit score. I never took money from self any money that was on my self account was from money I put into the account. How dare them close my account down due to a system error that they couldnt seem to verify on their end and report it as delinquency with the credit bureau when I been a customer with self for almost 2 years! Very frustrated about this situation because this account as hurt my credit report tremendously and this account need to be remove immediately. They are reporting inaccurate information on my report and never once was inform me of this dispute account. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I HAD ENCLOSED A COPY OF THE EMAIL BETWEEN THE REP AND I
03/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	IL 60612	Web	Servicemember
I have reached out to the creditors on many occasions letting them know they are violating my federal rights, pursuant to the fair debt collection practices act and fair credit reporting act along with local state laws please note that I am requesting these items be removed from my credit file from all the major credit bureaus please also be aware that any negative marks found on my credit reports including XXXX, XXXX, XXXXXXXX XXXX XXXX or from your company or any company that you represent, for a debt that I don't owe is a violation of the FCRA/ and FDCPA under USC : 1681 You must request all credit reporting agencies to delete the entry.Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Nelligent, Ehablement of Identity fraud.and violations of the fair debt collection practices, Act including but not limited to Section 807-80 ) Violation of the fair credit Reporting Act I have no Acknowledgment of any items being reported. Thanks In Advance ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Self Lead Bank XXXX XXXX XXXX XXXX
06/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30329	Web
Please see the attached letter and supporting documents. Thank you in advance for your help. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Account number : XXXX XX/XX/2022 To Whom It May Concern : I have been a loyal cardholder of Self Financial for over a year and couldnt be happier with my decision to join the Self Financial Family. Youve always offered some of the most competitive rates and financing and have always provided excellent customer service. Unfortunately, in a period of hardship, I took advantage of our relationship and failed to submit my monthly payment on time. It was an exceptionally hard and chaotic time in my life as I was balancing school commitments, and the COVID-19 Pandemic which led to me losing employment. I fully respect my obligations to Self Financial and have repaid every penny I owe and am now working diligently to amend my relationship with you and regain your trust. Please find attached copies of my Self Credit Card status showing Paid In Full in the amount of {$110.00}. Recently, I have begun the search for a home. It has come to my attention that the charge off with Self Financial ( from XX/XX/2022 ) may negatively affect my chances of obtaining competitive financing. I believe that the late payments and charged off account is not an accurate representation of my credit-worthiness. I am asking and hoping that due to my overall history with your organization and after this account was paid in full, that you would make a goodwill adjustment to your reporting of my accounts to the three credit bureaus, XXXX, XXXX and XXXX. In light of my renewed focus and demonstrated commitment to rebuilding trust with your company, I am requesting that you give me a second chance at a positive credit rating by deleting the charge off and late payments as reported on my three major credit bureau files ( XXXX, XXXX, & XXXX ). I sincerely hope Self Financial believes in their customers and I humbly request your consideration to allow me to pursue the house of my dreams. I appreciate your time and hope for a gesture of goodwill and to continue doing business with Self Financial. Best Regards, XXXX XXXX
10/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	AL 354XX	Web
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy. XXXXXXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for Chapter XXXX Bankruptcy. XXXX XXXX XXXXXXXX. Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. SELF FINANCIAL/XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy. XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy. XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. XXXX XXXX XXXX. Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. SBNASELFLNDR Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy XXXX XXXXXXXX. SELF XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. XXXX XXXX bankruptcy petition Potentially negative all are still reporting negative items to my account Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX All of these are discharged from my bankruptcy and still showing up
12/16/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	KS 662XX	Web
On XX/XX/XXXX, I inquired of Self, Inc. ( formerly Self Financial ) if my secured card ( at a zero balance ) could be converted to an unsecured card as my credit score had improved significantly. I was informed that Self does not have unsecured cards. As I no longer have a need for a secured card, I made the decision to accept the ding on my credit for an account closure and on XX/XX/XXXX I requested closure of my secured Self card and a refund of my deposit ( {$270.00} ) and received no reply or response. According to the information on Self 's own website, I would receive my refund at my bank account on file. On XX/XX/XXXX I requested the same and again no response. On XX/XX/XXXX I was assured by not one but two Self representatives that " the check was in the mail '' ( see attached ). Neither answered my questions of why the funds weren't transferred to my bank account and why I've been forced to request this over and over again. Needless to say, I received no check or bank transfer. I've verified repeatedly that both my bank account and my address are correct and unchanged since opening the account. I've now confirmed the account is indeed closed and have suffered the expected hit on my credit, but not received the benefit of my refund. On XX/XX/XXXX, I again reached out to Self. This time I was promised that the alleged check would be cancelled and I would receive a bank transfer within 2-3 days ( see attached ). As of yesterday, 3 business days has passed and still no refund. I am beyond frustrated at this point and continuing to receive the runaround. I've tried literally for two months to assume good intentions of this company but I now have no choice but to assume this is fraud on their part. I cringe thinking of the number of people who either give up on their refunds or flat out forget during these troubling times. This can't possibly be a large sum of money to this company, but it is to me. Especially at XXXX time. Thank you in advance for any assistance you can provide. **I 've tried several times to attach supporting documents but that feature does not appear to be working. The docs are available upon request
02/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60605	Web	Servicemember
Someone entered a Fraudulent consumer transaction with an organization using my credit card ( as described in XXXX XXXX XXXX ) and as a Result was extended credit in a consumer credit sale by this organization. The XXXX is now Claiming that they originated the credit, that someone else Extended to them by using my personal information, in which constitutes XXXX. Pursuant to the Federal Law they have committed fraud and several violations of the FDCPA, TILA, & FCRA. They have not validated anything ; I never received a XXXX XXXX of any of the information that was suppose to be provided to me. They have not been Impartial & have taken an unfair Advantage of me as a Consumer ; They should be held accountable for deceiving me and not Validating the XXXX. They are Violating my Trust within the banking system and this is causing me Reluctance when doing XXXX with other banks & XXXX institutions. They are Ruining my general Reputation and Character and should be held Accountable for Violating the law and Violating my Trust. This is causing me severe adversity, Stress, mental anguish, hardship, & XXXX as a result of them reporting Fraudulent information on my consumer Report. They're acting as if they are Unaware of what i am Requesting or that the Law does not Apply to them and I've included Evidence & Proof several times, Pursuant to Federal law with facts that prove that the Law does in fact apply to them & that they Must Adhere to them. They have disregarded the law by saying, The information I disputed has been verified accurate, which is Not Proof Of Verification or Proof of Anything. They have not Provided me with any Original Documents & They Continue to disregard the Law by failing to properly verify information and using unfair Practices With no real actual investigation ; They haven't conducted any interviews nor have they sent me Verification with Exact names & addresses of conducting Actual interviews Nor have they provided me with any Material Disclosure of any Original Documents. Their willful Disregard to Federal law and non-compliance has essentially damaged my Credit XXXX as well as my consumer Report and Reputation.
02/09/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	MD 208XX	Web
Upon signing up for this service to help build my credit. I wasnt made aware of the amount of interest I would be charged. The problem happened when I decided to pay the remaining XXXX dollars of my XXXX balance needed to open my credit card account. Once you reached a savings amount of XXXX had XXXX months of on time payments with an account in good standing. You would be eligible to open the card. Upon doing so on XX/XX/2023. I had all three needed requirements completed. Noticing the updates on my account but no access to opening the card I contacted self. I was first told I didnt have the money and the payment I made applied to my interest and not my savings. The worker then came back on the phone after placing me on hold and told me that the money did go through I would just have to wait 5 days for it to process. I wait 5 days and within those XXXX days the money I had put into the account began to decrease. What was XXXX was not XXXX next day, XXXX the next day XXXX and today XXXX the XXXX XXXX. When I contacted them about the decrease I was told that money was being taken and applied to my interest. However with loans Ive never had this experience where money Ive already paid was continuously taken and added to my interest daily. Especially since this is a savings account. When asked how much they could not tell me an answer nor could they fully explain why. Upon learning all of this I feel this needs to be reported and looked into. They do not make customers aware of this when starting out. In essence it makes it difficult to save if your money is constantly being taken and used, especially when you make payments towards the interest and principal monthly. So what is the need for the extra being taken without my knowledge or consent? As of today even with all checklist marked off an account in good standing and a amount of over XXXX dollars saved up. I have still yet to receive my invite to sign up for the card. And my money in my savings continues to decrease. I just want to be sure all that is going on is legal and appropriate. I do plan on closing the account early but only once this is completed.
03/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 765XX	Web	Servicemember
As an XXXX XXXX XXXX VETERAN, My Fair Credit Reporting act consumer rights have been violated. I am deeply concerned by the acts of these companies and how they have portrayed me with the constant violations reported on my credit report. It has brought great shame to me and my family. My life since coming back XXXX XXXX has been in shambles with the loss of family members, COVID, AND dealing with XXXX XXXX XXXX XXXX ( XXXX ). I am unable to live a regular life due to these acts. The account listed below has violated my federal given consumer rights to privacy amongst other things. Account name XXXX XXXX XXXX XXXX XXXX Account # XXXX Account name- XXXX XXXX Account XXXX XXXX Account name- XXXX XXXX XXXX Account XXXX XXXX Account name- XXXX XXXX Account # XXXX Account name - XXXX Account # XXXX 15 USC 1681a ( 2 ) ( a ) ( i ) states that consumer reporting agencies can furnish a report under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report. 15 USC 1681 section 602 A ( 4 ) states I have the right to privacy. ( My privacy has been completely ignored as these companies contact me via phone, Email & mail in order to garner attention to these accounts Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermined public confidence with is essential to the continued function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to XXXX, XXXX, and XXXX violating my consumer rights by allowing these late payments/utilization/chargeoffs to report to my consumer report!
03/08/2023	Yes	Checking or savings account Other banking product or service	Closing an account Funds not received from closed account	PA 19140	Web
Complain against XXXX XXXX XXXX XXXX, at ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX ) or at ( XXXX XXXX XXXX Suite XXXX XXXX, TX XXXX XXXX ). Phone number : XXXX I opened My Credit Builder Account on XX/XX/XXXX, a few months later they told me that I was qualify to open XXXX XXXX XXXX XXXX XXXX Account then I opened XXXX XXXX XXXX XXXX XXXX Account on XX/XX/XXXX since then they never ask me for any bank statement until after I decided to close XXXX XXXX XXXX XXXX XXXX Account on Tue, XX/XX/XXXX at XXXX PM in order to receive my fund in my personal bank account linked to XXXX XXXX XXXX XXXX XXXX Account. I did send my bank statement multiple time and they still holding my fund since today XX/XX/XXXX, I have no idea for how long they want to play me, I have proof that I sent them the bank statement. I am complaining because I been sending my bank statement over and over to them and they acting like they never received it. 1 ) No First Call Resolution, 2 ) Lack of Follow Up, 3 ) Ignoring or dismissing the complaint, 4 ) Acting as if it isn't worthy of addressing. Also I been calling every other day since XX/XX/XXXX, - Their customer service representatives are always Uninterested to resolve the issue. - When I ask to talk to the customer service representative supervisor they let me on Long Wait on Hold .... and never get back to me until the phone call stop by itself. - Their customer service representatives Making me repeat the problem over and over, I explain them the same thing over and over. I am dissatisfied To resolve this problem I would like XXXX XXXX XXXX XXXX, to release my Pay Out in my personal bank linked to XXXX XXXX XXXX XXXX XXXX Account. Be aware that I am making a final goodwill attempt to have you clear up this matter. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney XXXX office. P.S. Be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of my communications with you.
09/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 38125	Web
The Fair Credit Reporting Act, denoted as 15 USC 1681, section 602a, emphasizes the importance of consumer reporting agencies like XXXX and XXXX to act with equity, impartiality, and a regard for a consumer 's right to confidentiality. Being the consumer, I assert my right, as recognized by 15 USC 6801, to keep my personal details confidential. This legislation specifies that financial institutions should actively and consistently uphold their clients ' privacy and safeguard their confidential, non-public information. When referring to entities providing data to credit reporting firms, they're understood as financial institutions by this act 's definition. As stipulated in 15 USC 1681, section 604a section 2, a consumer report can only be provided under specific conditions, including having the explicit written agreement of the concerned consumer. I haven't granted such permission to the financial data provider or the reporting agencies XXXX, XXXX and XXXX. All forms of consent given to these parties, whether explicit, assumed, or otherwise, are now nullified. Furthermore, 15 USC 6802 ( b ) ( c ) mandates that financial institutions can not share private data with third parties without explaining to the consumer how they can prohibit such sharing. I wasn't apprised of this right. Moreover, 15 USC 1681C ( a ) ( 5 ) states that reporting agencies can not include certain adverse details, with certain exceptions, if they're older than seven years. The agencies are including such details without my authorization, which is a legal violation. In addition, as per 15 U.S. Code 1681s2 ( A ) ( 1 ) A, institutions shouldn't provide potentially erroneous consumer-related data to reporting agencies. And, 15 U.S. Code 1681e insists that these agencies implement appropriate measures to avert infractions of section 1681c and to restrict their report provisions as detailed in section 1681b. I believe XXXX, XXXX and XXXX aren't adhering to these guidelines. Lastly, according to 12 CFR 1016.7, consumers can opt out whenever they choose. Hence, I'm deciding to discontinue your reporting services.
03/22/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 34208	Web
This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy. I have already mailed you this letter previously and I did not get a response by mail. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations.I am disputing the following information directly with you, the furnisher of information, and I am requesting that you send me all paperwork you have on this account so i can review the accuracy of your reporting. You are a financial institution identified in 15 U.S. Code 1681a ( t ) Financial Institution.The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer. For the record I do know and understand by law, who you are and who I am 1. I would like to see your GAAP ( general acceptance accountability principles ) which is your paper trail from where/when it came directly from your account. 2. I also want to know who is the original creditor? 3. I am also requesting the Individual Masterfile ( IMF ) pursuant to 15 USC 1681G this should contain every payment I ever made, the original wet signature contract, not a copy or printouts, it should also contain info on where you got it, how you got it, and when it was stored. If dont get this its a violation 4. I am also requesting all financing paperwork 5. Iam also requesting the Dealer documents 6. I am also requesting the redemption notice that you were suppose to send to me that I never received. 7. I am also requesting the deficiency notice that you were suppose to send to me that I never received. 8 Also I do not recall you CLEARLY and CONSPICUOUSLY disclosing to me the CONSUMER my right to opt out according to
05/12/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	IL 617XX	Web
On XX/XX/2023, I paid my Self credit card bill. On XX/XX/2023, my card was locked and I received an email stating During a routine review of your Self account we have determined that well need some further documentation from you in order to complete that review. Self required for me to send in a copy of my ID, social and bank statement in which I provided those things to them. On XX/XX/2023 I received another email stating After carefully reviewing your customer profile, we have decided to cancel your XXXX XXXX Account with XXXXXXXX XXXX XXXXXXXX I called self over 6 times during this process. No one could provide me with additional information. On XX/XX/2023, I received an email stating my credit card account was closed and Any remaining security deposit funds will be returned to your XXXX XXXX Account if possible. If your XXXX XXXX Account is closed, or we are unable to move the fund to your XXXX XXXX Account, any remaining funds will be returned using the payout preference we have on file in approximately 14 calendar days. I called Self again to try to understand whats going on. No one can tell me anything or let me speak to a supervisor. On XX/XX/2023. I received a {$31.00} payment from the closure of my self builder account, however, I still have not received my {$520.00} payment from my credit card account. I was informed that they will release funds after their investigation in which I havent had any updates or information about.! Ive called over 10 times and have been left with the same response. On XX/XX/2023 I received an email stating Thank you for reaching out. Your payout status is still currently under review. While, we can not disclose timeframes of our internal review processes, you will receive email notification once any available funds are released upon conclusion of our review. Its been over a month and they wont release my money. This is a secured credit card. The account was opened using money that was provided by me.! Therefore, once the account closes, funds should have been returned to me.! Ive had this account for over 3 years.
02/04/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	KS 660XX	Web
Description of Complaint : I completely successfully completed both the credit builder loan and the secured credit card program I closed the accounts and was told the refund wiould be delayed untill all pending transactions were completed and all fees and money owed would be deducted from my refunded amount from the loan to pay off both the programs credit card included and thats is what happened then the sent me the remaining funds and told me very clearly I was paid in full no more action needed and I CLOSED and CANCELED that card then I do have the corresponding emails from self to prove this also I was at balance of {$0.00} on this card with no pending transactions or fees. I later several months later I discovered card is still open they have been reporting no payments late pays on my report on an account I never missed or was late with a spotless payment history they told me they charges some kind of interest in a XXXX balance after the card should have been closed and are still reporting neg and refuse my several attempts to have this corrected. I demand they completely remove this false debt and every single payment or late payment from all my credit files and close accounts in good standing on the date it was actually done so they are refusing to comply I have the emails to prove it Im considering legal action against them if they dont comply -- also a complaint with fcra will be filed why would i personally request accounts and card closed after a spotless couple years record of payments with them then wait fort them to close evrerything out to not pay the last so called payment why do i have email proof of closing these accounts yet i find the account is syill open why if that were true has account not been charged off XXXX closed by the time frame required by law? its deliberately left open to continue to harm my credit isint that a criminal charge as well? ive disputed this with the XXXX major reorting agencies with documented proff yet they lie to the XXXX and no recourse?? Desired Settlement : Correction to a credit report
12/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 46208	Web
Per the FCRA, as a federally protected consumer. SELF FINANCIAL INC / LEA is furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. Their inaccurate reporting has damaged my livelihood. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by The IRS The IRS Clearly defines a charge-off as considered a certificate of indebtedness as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes their reporting of this account inaccurate! By Definition The IRS and CFR Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. 15 USC 1681 s-2 Says SELF FINANCIAL INC / LEA is a furnisher of information to a consumer reporting agency. XXXX XXXX XXXX XXXXXXXX XXXX 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. In conclusion, I have shown them and I have put them on notice that they are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of Law 15 USC 1681 s-2 of their responsibilities as a furnisher of information. Tracking Number : XXXX XXXX XXXX XXXX XXXX
03/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	MI 485XX	Web
I had opened a XXXX XXXX XXXX account and only had it open and availbile for not even 2 months and after that I received a notice saying that the XXXX XXXX account needed more information on verifying my identity and the company would not respond to me after I sent them all the documents they asked for multiple times over and the customer Service agent repeatedly kept asking me for documentation I sent them already multiple times over email and over their company message option. It took them from XX/XX/XXXX to XX/XX/XXXX to respond back to me and had my account frozen the whole time and I wasn't able to Access anything it was my own secured account. I put my own money into this account it wasn't on credit or a unsecured account or anything it was first and at the now a secured credit account. I tried multiple times over to contact customer service and did everything I could possibly to contact them and got no response. Until I filed a complaint with a credit law firm that helps consumers with their credit. Now my credit went from XXXX score to XXXX score and Reporting faulse information about not paying on time on which I have told this company multiple times I wanted it closed and got no response from them back. They stole my funds I opened my secured account with and faulsifiying credit score reporting on my behalf. They never closed my account never responded back to me and fraudulently kept my account open against my approval nor did they even have any okay or approval to report or have any sort of approval to keep my account open and not responded or being able to contact them regarding my important sensitive time sensitive situation they have caused me. They have fraudulently scammed me and I paid them for this companys service to provide up most professional credit Building program that was supposed to help my credit score and reports instead scammed me for faulse advertising their actual intentions with consumers sensetive personal information unprofessionaly ignore consumers when they get caught and get put on the spot light.
05/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	MD 21215	Web
On XX/XX/XXXX I closed my account with Self Financial Inc, Lead Bank as the FDIC bank. A refunded deposit within 10-14 days of closing was to be returned to me on XX/XX/XXXX. On XX/XX/XXXX I received an email that I would need to verify my identity. I sent in the documents requested ( Drivers License, Banking Statements, Debit Card Photo and Social Security Card Photo ). Immediately I received an email stating my identity could not be verified and they would be putting my money on hold. I Messaged through the app, called and emailed. They would not give me any information on the issue. When requesting to speak with a supervisor I was informed there was NO back office person I could speak with. I filed a complaint with the XXXX and that's when a " Manager '' called but left a brief and vague voicemail with NO contact information. I received a call XX/XX/XXXX from the same manger and was able to speak with her. She informed me that there was nothing she could do. I informed her that I would be escalating the situation with a Lawyer as well as filing complaints with the proper institutions to alert them of this behavior. At that time she informed me she would reach out to the correct department and see if she could escalate the return of my funds to me. They also flagged my account for Fraud once I started emailing for more information and say they have NO timeframe in which I can have my money Nor will they tell me for what reasons or how to resolve the issue. I only want the {$820.00} returned to me. Upon checking XXXX and more review sites, I have noticed that in the past couple months this has been a common occurrence with this happening over and over. If there is a class action lawsuit I would love to be involved. I am beginning to wonder if Lead Bank has the funds to return all the money from these closed accounts. A company changing rules as they go just before refunds are to be processed with no one to contact for help is not ok. I recently reached out to a Lawyer to begin the process of getting the money owed to me returned.
06/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 94102	Web
15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. In accordance with your credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies that are ordinarily invoked by such debt collector or creditor ; I have had an identity theft clause on my IRS record since XXXX. I am not able to file taxes electronically, I do not understand how certain companies were able to apply for a loan for me when i signed no papers asking for this XXXX loan that is now currently bumped up to XXXX from a business starting with XXXX XXXX XXXX. Also Incorrect Information is on my report incorrectly showing accounts are stoill open. Accounts such as : XXXX, XXXXXXXX XXXX, XXXX XXXX where I was authorized user on someone's account that is no longer open is closed due to consumer 's request. Also these are the companies refusing to remove these things from my credit report XXXX Dispute Dispute ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX Dispute Dispute ( XXXX ) XX/XX/XXXX SBNASELFLNDR Intervention Intervention ( XXXX ) XX/XX/XXXX have been trying diligently for years to recify this issue and I beleieve improper use of my credit report have been shared without my consent right along with credit inquires from unknown sources such as the approval of the XXXX account recently opened. My information has been misuused and distributed based on the fact of my identity theft i have had in place since XXXX with the IRS
02/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44313	Web
I recently received a copy of my ( XXXX, XXXX, XXXX ) consumer report, and I noticed that it is reporting my experience with your company. The line of credit I have with your company is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! SELF FINANCIAL/LEAD XXXX Account # : XXXX Your company is in clear violation of the law : Pursuant 15 USC 1681a 2 ( A ) ( i ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( SELF FINANCIAL/LEAD XXXX ) Making the report is NOT INCLUDED ON MY Consumer report! Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) ( SELF FINANCIAL/LEAD BA ) that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer report! YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. You have 5 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account/s SELF FINANCIAL/LEAD XXXX Account # : XXXX Failure to respond satisfactorily with the deletion of the above Utilization will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil liability 4. Mental Anguish 5. Fair Credit Reporting Act 15 USC 1681 violations noncompliance-616 Civiila liablity for willful noncompliance 15 USC 1681n
06/05/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 19136	Web
In response to CFPB complaint # XXXX regarding account number XXXX Self Financial stated " upon receipt of your complaint a thorough investigation was completed. I would like to know how your investigation was completed. Self-Financial stated " Statements were uploaded to the account online and can be viewed through our website or mobile app. Emails were also sent advising of the past due payments and that if the account went 30 days past due it would be reported to the credit agencies. I am unaware of such notice. And I also did not get a notice to opt of credit reporting. If such notice was sent I will need confirmation such as a certified letter with return receipt with a tracking number. I believe that the charges are inaccurate and I will need you to cease communication in regards to this alleged debt. ( see cease and desist letter attached ). I am aware of 15 U.S.C. 1692g ( a ) ( 1 ). allows me to request the amount of the alleged debt and how the amount of this alleged debt was calculated. Please keep in mind that this is only a request for validation of the amount of this alleged debt. Please be clear on where the debt originated, how it was calculated and any supporting documentation that proves your claim is valid. Please keep in mind I am not requesting that you send me proof of location information. I am only requesting the alleged amount of this debt you claim I owe and how it was calculated. If for any reason you can not provide me with this information I will need Self Financial to clarify this as a billing error. Also keep in mind that the account should be updated to PAID AS AGREED. I am aware that the reporting of negative information to a consumer reporting agency is a direct violation of 15 U.S.C 1681s-2. I never gave consent for Self Financial to report any negative information to any consumer reporting agencies, and be aware that AGGRAVATED IDENTITY THEFT CARRIES A TERM OF 2 YEARS OF INPRISONMENT. Any payments made to this account shall be returned immediately. Best regards XXXX XXXX.
09/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	NV 89178	Web	Servicemember
Re : XXXX, XXXX, and XXXX Credit Reporting I am a consumer that filed a Chapter XXXX bankruptcy in XXXX, where I am paying my debts to a court trustee and have never missed a payment. The circumstances regarding the Chapter XXXX were due to XXXX issues, prior to this my accounts were in good standing. To improve my credit score, I have disputed a few items including pass addresses that were not associated to me but remain on my credit report. I recently, joined SELF a company that helps to improve credit, and advertised as a savings program. It appears to my dismay, after completing the program ( no missed savings payments ), my score went down 11 points with XXXX, 20+ points with XXXX and 59 points with XXXX XXXX My credit history with XXXX has never shown any positivity or improvement no matter how many times I have disputed information with them. XXXX continues to hold my score in the 500s which is utterly ridiculous. I called XXXX to discuss the reduction in my credit score and was informed by a representative that the company doesnt discuss credit scores, although I am enrolled in their credit monitoring program at {$24.00} a month. I am afraid to stop the program because I fear my credit score will go down even further. As a consumer, I feel the Credit Bureaus are not accurately reporting any improvements and keeping my credit scores low even though a Chapter XXXX is more favorable ( debts are being paid and not reduced or excused by the court as a Chapter XXXX ). I expressly feel that SELF may be selling an idea of credit repair, credit boost, or credit improvement falsely to consumers. I never saw my credit scores improve with any of the credit bureaus as evident with my credit scores reported on XX/XX/XXXX. What recourse does a consumer have? I want to see a fair improvement with my credit scores for all bureaus. So fair that has not happened. XXXX offers XXXX XXXX, however if you disconnect your bank information the score falls back to the XXXX. I am seeking help with unfair credit reporting!
06/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 22554	Web	Servicemember
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE IAM A FEDRALLY PROTECTED COMSUMER THIS FRAUD ACCOUNT MUST BE DELETED AND REMOVED OFF MY CONSUMER REPOER PERMANENTLY AND INDEFINITELY NOW!!!! XXXX XXXX XXXX Reported : XX/XX/XXXX - {$460.00} Needs Attention Overview You have 89 % left to pay on this loan. Balance {$460.00} Highest Balance $ XXXX Monthly payment {$25.00} Opened XXXX XXXX, XXXX ( XXXX mos ) Term 24 months Payment History XXXX made 100 % of payments for this account on time. Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status XXXX Days Late Worst Payment Status Current Account Details Account status Open Type Secured loan Responsibility Individual Remarks No Info Times XX/XX/XXXX days late XXXX Closed No Info See an error? CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving Credit Karma. DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!
11/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30087	Web
This Self account associated with account number ID # XXXX XXXX .... was and is paid off completely as per the letter I received from the customer success team at the creditor furnisher in question. It's paid off and should be removed from my report, it's verified through this letter. I am writing to formally request the removal of an account from my credit report. The account in question, listed under, Account ID # XXXX, has been paid off in full and is no longer active. I kindly request that you update my credit report accordingly to reflect this change. Account Details : Creditor : Self Lender Account Number, Account ID # XXXX Date of Last Activity : XX/XX/XXXX Balance : {$0.00} I have attached proof of the account 's full payment, which can be found in the attached documents. Additionally, I have included a copy of the confirmation letter from the creditor acknowledging the account 's paid-off status. As per the Fair Credit Reporting Act ( FCRA ), I understand that credit reporting agencies must maintain accurate and up-to-date information on consumers ' credit reports. Since this account has been paid in full and is no longer active, it should no longer be reported on my credit report. It is essential for my financial well-being that my credit report accurately reflects my current credit status. I kindly request that you investigate and verify the information provided, and once verified, remove the account from my credit report as soon as possible. I also request that you provide me with a copy of the revised credit report once this update has been made. I appreciate your prompt attention to this matter and your assistance in ensuring the accuracy of my credit report. If you require any further information or documentation, please do not hesitate to contact me at ( XXXX ) XXXX or via email at XXXX Thank you for your cooperation and assistance in this matter. I look forward to a swift resolution of this request and the removal of the aforementioned account from my credit report.
08/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IN 461XX	Web
SELF FINANCIAL, XXXX XXXX AND XXXX XXXXXXXX XXXX are stating that I do not have the right to opt out when in fact XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' SELF FINANCIAL, XXXX XXXX AND XXXX XXXXXXXX XXXX are a financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " SELF FINANCIAL, XXXX XXXX AND XXXXXXXX XXXX XXXX are a financial institutions and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX from SELF FINANCIAL, XXXXXXXX XXXX AND XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked in reporting late payments under 15 USC 1666AAND 15 USC 1666B as it states " '' a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor. '' Lastly, SELF FINANCIAL, XXXXXXXX XXXX AND XXXX XXXX XXXX need to thoroughly look up each and every one of these laws and understand these have been in place for much longer than the FCRA. The USC backs the CFR which the President has signed for to put in place. The USC is to enforce the CFR. Previous letters were sent as well with no response.
09/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IN XXXXX	Web
I signed up with Self Financial to build my credit score of XXXX to higher so I could be an first time homebuyer through XXXX. Self has you to pay your money and allow you to borrow from what YOU put in. Within the first 6 months of paying on time and in full, Self never reported to any Credit Bureaus within 30 days and allowed XXXX to decrease my score to XXXX. I contacted Self thinking that they were going to correct it and instead they took NO accountability and did nothing to restore my credit score. Self accounts were closed on XXXX, 2023 and XXXX, 2023. I was notified by Self a few days ago, stating that I owed over an XXXX on running interest and running card account and I haven't used that card in almost an year. They also threatened to hinder my credit score even further if I didn't pay them on this closed account. I contacted the XXXX and made an complaint and I received another email from an so- called supervisor from self stating I owed XXXX and if I pay it they will report it to the Credit Bureaus and they will close an account that has been closed for months. I declined and received an credit monitoring alert by XXXX, that Self has reported an Major Derogatory mark to the Credit Bureaus and I owe them XXXX. Self is an extremely fraudulent company and is destroying ALOT of people 's lives and credit. They don't offer ANY credit and doing this with the consumer 's own money. My credit should've been restored by Self is intent on extorting it's customer 's based on lies. Closed accounts too. I owe them nothing, my credit should've been restored and I DO NOT appreciate Self or their threats! This Company should not have the control to deplete credit scores and continue staying in business. The XXXX has XXXX 's of complaints on Self 's illegal practices and should NOT be allowed to threatened or extort consumers. They also DO NOT report to Credit Bureaus for 60-90 days because my credit score was lowered even while in good standing and paying on time! Thank you XXXX XXXX
07/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77070	Web	Servicemember
To whom it may concern : After I made the decision to use my rights under FCRA, I was looking to challenge any inaccurate information in my credit reports. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are impacting my credit score and my ability to get loans. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. It's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as XXXX XXXX standards. For any negative account, I demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name.
05/05/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Loan payment wasn't credited to your account	CA 91325	Web
Hello! On XX/XX/XXXX I opened up a loan with Self Financial Inc of {$1600.00} that specifically stated how I would have roughly 12 months to pay off. I opened this account because it was to build up my credit, they would first have me pay off the loan amount and then send out the payment to me. They then offered me a secured credit card, which I opened up and deposited a portion of the loan I had already given them. This resulted in my new payout amount dropping from {$1600.00} to {$980.00}, again this was due to the fact that I funded the secured credit card with the deposit I had initiated with the money I had already given them. I would have to pay a minimum of {$140.00} a month, however, I finished this loan early on XX/XX/XXXX, and they responded with an email saying how they would send out my loan payment through direct deposit and that its arrival date would be XX/XX/XXXX ; the amount of {$980.00}. I never received the payout on XX/XX/XXXX and I emailed them several times, they asked for a series of documents proving my identity which I sent out. This included my XXXX passport, social security number, Social Security card, bank statements, a picture of my debit card, and more. They said that they were going to close my account if I did not send them the documents and that they would not send out my payment either until I sent them said documents. However even then, they said I would have to send them a state-issued ID and my driver 's license, which I don't have. I have no trouble acquiring a state issued ID at this point, but I decided to do some research and I saw that many many people were dealing with the same issues as I was, even though they sent every form of ID that was asked of them to do so. Their rating on XXXX was almost a 1 star, I wish I did my research earlier on. I don't believe this is fair because they seem to have no trouble asking me for these before I opened up an account, but somehow they need it for when they're supposed to pay me back now?
10/27/2022	No	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	DC 200XX	Web
I opened up a self-builder account back in XXXX through Self financial, Inc- with the intention of building credit. At the on-set of establishing the account, and in the signed agreement between Self Inc and myself, the company is to return all monies given to them ( security deposit ) at the end/completion of the term. This account remained in good standing through the duration of the loan, and once I met/satisfied the terms of the loan, I was given the option to either a ) have the deposit of {$500.00} returned to me or b ) convert the money into secured credit via a Self-issued credit card. I decided to have the deposit rolled over into a credit card and used it on/off for months. Fast forward to Wednesday, XX/XX/XXXX - I received an email from self out of the blue that my account was scheduled to close in 24 hours, and if I had any questions, to contact them. I immediately replied to the email to let them know that I did not request for my account to be closed and asked for them to provide more information on why I was receiving the email. They responded, alleging some " suspicious activity '' and that they will be holding my payout until they conducted " further '' review. I called countless times to speak with someone about the account, along with inquiring about this suspicious activity they were alleging. Noone could provide me with further information, nor did I receive any correspondence to my home. It is bad business acumen to not provide consumers with details surrounding their accounts, especially when you are alleging suspicious activity. I did some more research only to find that many people encountered this same situation when they were inquiring about their deposit/pay out. As it stands, I have not gotten a response to my last two email ( s ) and I am owed {$390.00} from this company. I would appreciate if they return my deposit - that it RIGHTFULLY mine. They can't just keep my money like that. Return it per the agreement. This is absolutely ridiculous.
04/18/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CA XXXXX	Web
Obtained a Self XXXX XXXX account, which allowed me to open a credit card using the money accumulated from the credit builder account. I fell on hard financial times in XX/XX/XXXX and no payments were made so the company closed the credit card for no payment for 80 days. I made one last payment in an attempt to not have the card closed because I had it for 2 years but I was to late and so a previous balance has been held from a prior credit-builder account that was used to pay off the remaining balance. The maturity date for the credit builder account was XX/XX/XXXX, I made all those payments and received an email stating that I would receive XXXX minus fees but the problem is that I was already charged for those fees through their billing process and the credit card was paid in full based off the statements from Self. I was double-charged in the amount of XXXX, and I received {$440.00}, In my attempt to resolve this matter, I experienced unprofessional services and received two phone calls at XXXX in the XXXX XXXX standard time from representatives at Self. An email from a supervisor that shows the breakdown of charges reflected the doubled billing of interest, late fees, and return item fees but I have the billing where I paid all those charges within each billing cycle that I may have been late with. Self also continues to provide a statement to the credit card account even though the account is closed ( XX/XX/XXXX ). I haven't been able to resolve this issue because Self believes that the withholding is correct but the billing statements show that I already paid these fees and I am not willing to accept a {$50.00} gift from XXXX. In attachment shows when and where I paid when I was late with my payments, I don't understand how at the end of term all these fees come back. I also paid for an expedited payout at the end of the term ( XXXX maturity ) and payment wasn't processed until two days before the initial close date so I don't see how that was expedited payout.
07/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37130	Web
In XX/XX/XXXX the company Self Lender Inc furnished a XXXX late payment on my consumer report outside of compliance of the fair credit reporting act. Self Lender Inc. Account Number : XXXX Fair Credit Reporting Act XXXX5 U.S Code 1681a ( 2 ) ( a ) ( i ) Definitions ; rules of construction ( 2 ) EXCLUSIONS. - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s3 of this title, any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. I reached out to Self on XX/XX/XXXX telling them that the transactional history between me the consumer and the person Self Lender is not supposed to be reported. They also failed to give me the disclosure on how to opt out of having my info shared with other persons. They ignored my letters twice. When I reported to the CFPB only then did they respond denying my request to delete the late payment. I showed them proof and I was treated poorly. In fact, after our communication when I reported the incident to the CFPB they closed my account. On XX/XX/XXXX, I sent a follow up letter pointing out their discrimination against me because I was using the law in good faith since the info they reported is negatively impacting my livelihood and hindering my ability to obtain credit. 15 U.S. Code 1691 ( a ) ( 3 ) - Scope of prohibition ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 3 ) because the applicant has in good faith exercised any right under this chapter. Self Lender Inc. Once again ignored the letter I sent certified mail return receipt. They received my letter XX/XX/XXXX and yet no correspondence. I am asking for your help that the law be enforced and that the late payment being furnished on my credit report be deleted and updated to Ok or paid as agreed please.
09/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	CA 93534	Web
This is to inform the CFPB. That for the past six months. I have been trying to renew credit with Self financial. Unfortunately, there is a freeze on my consumer credit report. With a company by the name of XXXX XXXX which Is owned by XXXX XXXX. On several occasions for the past six months, I've been trying to get their attention, on this freeze. my XXXX freeze is lifted But XXXX XXXX does not want to approve My application Because of that freeze. I have been communicating with, XXXX and XXXX XXXX, to lift the freeze on my consumer credit report but They been giving me a hard time on freezing my personal information this is a strategy for consumers not to get approve Between XXXX and XXXX XXXX and self-financial is denying credit to the consumer. XXXX XXXX is demanding my personal information when I have mentioned that all my information is with XXXX since XXXX is owned by XXXX XXXX it should not be hard to get my personal information. my understanding is that self-financial does not want to approve me. All because of my credit history This is called discrimination. Which is a violation. I, the consumer and natural person, was denied credit by self-financial when I applied for a credit card. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by self-financial XXXX and XXXX XXXX. due to the response, I received. Self-financial XXXX. And XXXX XXXX. is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Self Financial.
02/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or missing disclosures	CO 80247	Web
XX/XX/XXXX I signed up for a credit builder account with SelfLender, now its Self.com. I spent 12 months paying {$89.00} to accrue as a CD. At the end of the CD Maturity, {$1000.00} was given back to me minus {$100.00} that went to a secured credit card on XX/XX/XXXX. On XX/XX/XXXX, I signed up for another credit builder, I paid {$48.00} for 12 months again, at the end of the CD Maturity date, Self sent me a letter dated XX/XX/XXXX Certificate of Deposit Maturity Notice This is to inform you that your Certificate of Deposit XXXX will mature on XX/XX/XXXX in the amount of {$530.00}. This Certificate will not renew automatically and interest will not accrue after the maturity date. The amount of the Certificate will be deposited into your XXXX XXXX XXXX XXXX XXXX Idaho account ending in XXXX. On XX/XX/XXXX I received an email from Self Over the last 12 months you were able to establish payment history with the credit bureaus and save an estimated total of {$530.00}! Your estimated payout of {$39.00} will be electronically deposited into your XXXX XXXX XXXX XXXX XXXX Idaho account ending in XXXX on XX/XX/XXXX. You will receive an email from us once we've sent your electronic deposit. They do not give a valid reason to take {$500.00} of WHAT I paid for every month for 12 months. I paid {$100.00} for a secured credit card and since XX/XX/XXXX, I have increased my secured card limit by making payments on time to my card, they sent me notifications to tell me that. In fact, prior to this email being sent, Self offered me to increase my credit limit because I made payments to my credit builder account on time. This letter telling me that I will receive my {$530.00} to my bank account is unlawful. I've reached out to two people via email and I keep getting told that the {$500.00} is to cover the {$600.00}. At NO time did they tell me that the credit increases from XX/XX/XXXX to XX/XX/XXXX would have to be covered by the XXXX XXXX account.
08/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MN 55447	Web
XXXX XXXX XXXX XX/XX/2023 Dear Sir/Madam, I am writing to formally dispute an item in my credit report that I believe to be inaccurate. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request an investigation into the following item ( s ) on my credit report : Creditor Name : XXXX XXXX XXXX XXXX ~ XXXX XXXX XXXX XXXX ~ XXXX I have reviewed my credit report, and I believe that the information provided above is incorrect and should be rectified. According to the FCRA, it is the responsibility of the credit reporting agency to conduct a reasonable investigation within 30 days of receiving this dispute letter. I kindly request that you : * Conduct a thorough investigation into the disputed item ( s ) mentioned above. * Provide me with written results of the investigation. * Remove or correct the inaccurate information from my credit report, if found to be inaccurate. * Notify me in writing of any changes made to my credit report as a result of this dispute. * Please be aware that the FCRA obligates you to inform the furnisher of the disputed information about the nature of my dispute. I expect you to adhere to this requirement promptly. Section 605 of the FCRA covers the rules regarding the time periods for which certain adverse information may be reported in consumer credit reports. Specifically, it governs how long negative information, such as late payments, bankruptcies, or tax liens, can remain on a consumer 's credit report. Section 1681b of the FCRA governs the permissible purposes for which consumer reports can be obtained and used by various entities. It outlines the circumstances under which a consumer reporting agency can furnish a consumer report to third parties, such as creditors, employers, and landlords. Thank you for your assistance in resolving this matter. Please contact me at the address or phone number provided below should you require any further information. Sincerely, XXXX XXXX
10/25/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	SC 29617	Web
I was reviewing my consumer reports for accuracy and recognized multiple errors. I am due for compensation in accordance with 15 USC 1692k. I closed my account around XX/XX/XXXX due to learning that Self Financial and XXXXXXXX XXXX deprived me of my consumer rights.The purpose and importance of the TILA is to protect consumers against inaccurate and unfair billing and credit card practices.I am writing because I made an uninformed decision when I payed {$200.00} to open a credit card. At the time I did not know credit is a right given to me by GOD. 15 USC 1605 clearly states that the finance charge is the sum of all charges and not include cash. Self violated the Truth In Lending Act by imposing I exchange my time to build credit that was alreadya right given to me.My XXXXXXXX shows an open date of XX/XX/XXXX but my XXXX report shows XX/XX/XXXX. My XXXX account status shows as charged off, but my XXXX report shows my account status as paid. Both reports contain multiple errors including late payments. If the information were accurate all information on any report would be an exact match. It is not. Self or XXXX also failed respect my privacy and breached their fiduciary duty by not providing an explanation as to how to opt out of reporting. This is not acting in my best interest or in good faith. In addition to that, Self Financial continues to harassme via email every month. Self continues to attempt to collect debts not owed. Self continues to report false information to my consumer report causing my reputation, credit report, and credit score to be damaged in more ways than one. The account has been closed since XX/XX/XXXX. Why is Self demanding I pay late payments for every month of XXXX? As a federally protected consumer under Title 15 Chapter 41, my rights have been violated and Self Financial is criminally liable, pursuant to 15 USC 1611 and also civilly liable, pursuant to 15 USC 1640 and 15 USC 1692K
01/26/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 708XX	Web
Creditors are in direct violation of 15 U.S. Code 1666b & section 1637 ( b ) because they I was never mailed or delivered 21 days before any due date the information regarding the due date of my payments before they added late payments to my credit report. They need to remove these late payments or I will pursue arbitration for violating federal consumer laws. Law states no creditor may treat a payment late unless they send a mailed or deliver information required by section 1637 ( b ) 12 ) Requirements relating to late payment deadlines and penalties. ( A ) Late payment deadline required to be disclosed. In the case of a credit card account under an open end consumer credit plan under which a late fee or charge may be imposed due to the failure of the obligor to make payment on or before the due date for such payment, the periodic statement required under subsection ( b ) with respect to the account shall include, in a conspicuous location on the billing statement, the date on which the payment is due or, if different, the date on which a late payment fee will be charged, together with the amount of the fee or charge to be imposed if payment is made after that date. 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX ALL LATE PAYMENTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL LATE PAYMENTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
10/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30344	Web
Self Financial Team Self Financial , Inc. Re : Response to Consumer Financial Protection Bureau Complaint Case # XXXX I hope this RESPONSE finds you well. I am writing in response to your recent communication regarding my Consumer Financial Protection Bureau ( CFPB ) complaint, Case # XXXX, in which I expressed concerns regarding my credit report and the reporting of late payments by Self Financial , Inc . I appreciate your prompt response and the detailed explanation you have provided regarding the company 's position on this matter. I would like to address some of the points you have raised and reiterate my concerns. While I understand that Self Financial , Inc. operates as a data furnisher rather than a consumer reporting agency, and you have mentioned that the information is provided to the credit reporting agencies in compliance with the Privacy disclosure and terms of service, I must emphasize my interpretation of the applicable legal provisions. According to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ), the term " consumer report '' does not include reports containing information solely as to transactions or experiences between the consumer and the person making the report. I believe this provision explicitly excludes the reporting of such transactions from being included in consumer reports. I maintain that the reporting of these transactions to my consumer report is in violation of the Fair Credit Reporting Act and XXXX compliance. The inaccurate reporting of these transactions and late payments is adversely affecting my creditworthiness, making it challenging for me to address my financial needs and overcome obstacles. I want to resolve this matter amicably, but I must insist on the removal of these late payments from my credit report in accordance with the applicable laws. Thank you for your attention to this matter, and I look forward to your response. Sincerely, XXXX XXXX
10/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Problem with personal statement of dispute	FL 32308	Web
I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed some late payments posted on my reports that are not only inaccurate, but they are different reports on all three reports some stating 30 days late and 60 days late on my credit reports : paid account number : XXXX XXXX from XXXX shows 30 days late on XX/XX/2022 with the previous month showing paid on time and the following month after paid on time as well and XXXX XXXX XXXX which shows on their file that its 60 days late but the previous month and after month paid on time unsure how a payment can be 60 days late if months before and after are paid on time ( Self Financial/Lead bank ) shows XXXX late with the same paid on time months as listed above for other accounts. No payments were made late these consumers reports are all reporting false and inaccurate information without any reporting agency reports being the same. Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Also please update my balance on my credit report it is not what is being listed currently on my credit reports some of the balances are different from what is shown on all three reports
08/16/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	FL XXXXX	Web
I am filing a complaint against Self Financial Inc. for violations related to IRS tax reporting requirements on the property. I was the lender to Self Financial Inc. for credit associated with account. In tax year 2022, I acquired and took possession of property abandoned by Self Financial Inc. that was collateral for the account. As the borrower, Self Financial Inc. should have filed IRS Form 1099-A to report my acquisition of this secured collateral property, but they failed to do so. This violates IRS regulations requiring borrowers to file Form 1099-A when lenders take possession of collateral property through acquisition or abandonment. Additionally, Self Financial Inc. failed to properly adjust the account balances in the amount of {$1200.00} after I acquired the abandoned collateral property. This results in improper reporting of the debt obligation and has the potential for tax fraud if they are avoiding cancelled debt reporting. I have enclosed documentation showing my lawful acquisition of the property abandoned by Self Financial Inc. that should have been reported to the IRS using Form 1099-A. Their failure as the borrower to file this form represents a violation of IRS reporting rules and an unfair and deceptive practice. I request that the CFPB investigate this complaint against Self Financial Inc. for failing to perform their duties and take appropriate action to compel them to comply with IRS regulations on reporting foreclosed collateral property. Consumers should not be harmed by such violations of proper tax reporting requirements. Please notify the proper authorities within IRS of Self Financial Inc blatant and willful negligence regarding with tax matter and potential tax fraud. Please contact me if any additional documents are needed regarding this complaint. I look forward to your prompt assistance enforcing these important consumer protections.
11/25/2023	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted you instead of your attorney	FL 33313	Web
Request For Debt Validation Pursuant to 15 USC 1692g Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least XXXX calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
07/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	AZ 85040	Web
Self.Inc credit card took out a second line of credit without telling or notifying me. Then they had a 90 days with no payments so I didn't know anything about the hidden line of credit. I had no idea what so ever that I owed them anything or that it took out a second loan when I had money in my account. I never signed anything which makes it illegal and I want the late payments removed because I had perfect payment history until they did that in XX/XX/2022. I need my credit fixed because it isn't accurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need my credit in order to be able to afford a roof over my head and if possible could you please resolve these issues for Me, Thank You. XXXX XXXX XXXX ( XXXX ) XXXX XXXX 15 U.S. Code $ 1681c-2 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 an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! of the consumer to whom it relates. I NEVER gave any consumer reporting agency These accounts should not be furnished on my consumer report as they are in VIO Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report uno : following circumstances and no other : 12 in accordance with the WRITTEN INSTRUCTi WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal proterted consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
04/26/2022	No	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	VA 22306	Web
this is in regards to dishonest company known as XXXX XXXX XXXX ''. A company that serve as a credit building tool where you get a secure credit and after you pay it off thy report it as paid and will refund you the deposit put initially. I have a screenshot of the promise that my payment was being processed on XXXX and that is only gon na take 1 to 2 business days and I've attached it along with the policy page. Unfortunately for my case they are refusing to refund under the pretext that I need XXXX issued passport when their own policies outline that for XXXX XXXXXXXX citizen a passport number and country of issuance is all that is required to verify my identity. I have sent them my XXXX passport a month ago and every time they promise that a supervisor or higher up will call me back but they never honored their promises. I'm literally using the policy on the website to get them to follow their own and its not helping as they that incompetent. One agent by the name of XXXX have agreed with a 100 % that passport I sent is all they need but claimed she is not the one who has the authority to release my deposit. I insisted that I wait on the line while she communicates with the back end to help come up with a resolution she told me follow up via email and hung up abruptly like the two other agent before her. The body of text below is from their website XXXX XXXX XXXX and it quotes : ''Types of Information You Will Need to Provide When you open an account, we are required to collect information such as the following from you : Your name Date of birth Address Identification number XXXX Citizen : taxpayer identification number ( Social Security Number ) XXXX Citizen : taxpayer identification number, passport number and country of issuance, alien identification card number, or government-issued identification showing nationality, residence and a photograph of you ''.
07/26/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	MD 20744	Web	Servicemember
I have been a customer of Self for over 6 years. I have had multiple credit builder accounts and have paid them off and received my payout each time. I just recently paid a credit builder account off in XXXX and received my payout with no problem. Earlier this month, I received e-mails asking me to verify my information so I had to send them a picture of my ID, a picture with me holding my social security card, my bank statement proving that my XXXXXXXX XXXX account was mine and I did all of that. I attempted to pay my Credit Builder off early on XXXX but the system would not allow me to until they verified my information. I received an e-mail from Self stating my information was verified on XX/XX/23 and I could then pay off my account. I was then able to pay off my credit builder account on XX/XX/23 with my final payments totaling {$2700.00}. I then received an e-mail on XX/XX/23 stating that they closed out my Credit Card and kept my {$3000.00} deposit because they " couldn't verify my identity '' but they just verified it on XX/XX/23. Then I received an e-mail saying that my payout from my Credit Builder account of {$3100.00} would be paid out to me on XX/XX/23. I never received my payout at all. I have called Self every day since and they keep saying its " under review '' but when I ask to speak to a supervisor or the review department, they literally act like they are putting someone on the phone and then hang up every single time. I am beyond frustrated. Not only did they close my credit card account, which is going to hurt my credit score, they kept my {$3000.00} deposit from my credit card AND now they won't even pay me my expected payout. I am beyond frustrated. Self keeps telling me they can't verify my social but they literally have a picture of me holding my social security card and everything. This is starting to feel like they are scamming me.
11/12/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NY 11542	Web
On XX/XX/XXXX I sent a letter to Self, Inc, advising them that ( 1 ) there were fraudulent charges on my account, ( 2 ) that those fraudulent charges resulted in derogatory information being reported to the Credit Reporting Agencies ( CRAs ) and that I wanted ( 3 ) reversal of those charges, ( 4 ) notification to the CRAs that all payments towards legitimate charges were up to date AND ( 5 ) that I wanted my account permanently closed to avoid future fraudulent activity. ( See Exhibit A of uploaded letter ). On XX/XX/XXXX, Self , Inc. reversed all of the fraudulent charges, and notified the CRAs my balance was always current. I assumed - reasonably in my humble view - that Self, Inc had also acted to permanently close my account to prevent future ask as I requested in writing. ( See Exhibit A in uploaded letter, p.2 ). I did notice what appeared to be some residual balances on what I figured was the old fraudulent charges being reconciled, so I made payments in an abundance of caution. Then, in early XX/XX/XXXX, I was the victim of an unrelated identity theft and ran my credit report. To my absolute horror, I learned that this case was never closed in XX/XX/XXXX. Instead, a new card was issued and used by presumably the same credit thieves whole stole my identity and prompted to run my identity history back in XXXX. They rang up {$1300.00} and didnt pay it - ruining my credit. ( See Exhibit B of uploaded document ) But the horrifying and grossly unfair result of this identity theft is XXXX purportedly delinquent accounts. ( See Exhibit C of uploaded document ) I made NONE of those charges. Please help me get these fraudulent charges and derogatory items I had nothing to do with off of my report. ( Please see Exhibit D of uploaded document - ID theft Affidavit ). I again wrote them summarizing all of this. They completely ignored me. Never even responded.
08/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60615	Web
I HAVE DISPUTED AND SUBMITTED SUFFICIENT EVIDENCE IN REGARDS TO INCORRECT DATA REPORTED WITH ALL THREE CREDIT BUREAUS. I HAVE ALSO SUBMITTED A POLICE REPORT TO SUPPORT THE FACT THAT MY IDENTITY WAS STOLEN. I HAVE BEEN FIGHTING WITH THE BUREAUS FOR OVER THREE YEARS NOW ALONG WITH OTHER CREDIT REPAIR AGENCIES THAT I HAVE HIRED TO NO AVAIL. THE ACCOUNTS ARE LISTED BELOW AND HAS CAUSED GREAT XXXX XXXX AND XXXX. I AM UNALBE TO MOVE FORWARD IN MY CREDIT CAREER HAVE NOT BEEN IN XXXX. I AM TRYING TO PURCHASE A HOUSE!! POLICE REPORT # XXXX XXXX XXXX XXXX Negative Account Info Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date XXXX StatusCollection account. {$580.00} past due as of XX/XX/XXXX. Status UpdatedXXXX XXXX Account Info Account XXXXXXXX XXXX XXXX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$3700.00} written off. {$3700.00} past due as of XX/XX/XXXX. Status UpdatedMay XXXX Account Info Account NameSBNASELFLNDR Account NumberXXXX Account TypeSecured Loan ResponsibilityIndividual Date XXXX StatusPaid, Closed. Status XXXX XXXX Account Info Account NameXXXX - XXXX XXXX Account NumberXXXX Account TypeCharge Card ResponsibilityIndividual Date XXXX StatusOpen. {$110.00} past due as of XX/XX/XXXX. Status UpdatedXXXX XXXX Account Info Account NameXXXX XXXX Account NumberXXXX Account TypeCell Phone ResponsibilityIndividual Date XXXX StatusCollection account. {$2300.00} past due as of XX/XX/XXXX. Status UpdatedJan XXXX THIS ACCOUNT IS ONLY SHOWING ON XXXX AND NOT XXXX. Record Details Record Type XXXX XXXX bankruptcy XXXX Reference Number XXXX Responsibility Individual Date Filed XX/XX/XXXX Date Resolved XX/XX/XXXX Reinvestigation Info This item remained unchanged from our processing of your dispute in XXXX XXXX. On Record Until XX/XX/XXXX XXXX
06/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60426	Web
Since XXXX of XXXX, I reached out to companies that reported negative marks on my credit report for verification and true accuracy through various letters. These companies have issued responses that include everything but accurate verification, such as billing statements. I have since reached out once again and to each credit bureau : XXXX, XXXX, and XXXX, through certified mail enlisting my concerns for derogatory accounts that report on my credit. The bureaus have deleted some accounts, but overall neglected majority of my investigations by stating the " accuracy '' of these accounts with no proof from the companies or allowing these accounts to repost. ( XXXX ) Revolving credit for {$4100.00}, reported as charge off by original creditor, sold to another company from original creditor, disputed by myself after being contacted by 3rd party creditor, now reported as charge off by original creditor again. ( XXXX ) Credit line {$880.00}, deleted by XXXX. Reported by XXXX and XXXX under different account numbers and different company. XXXX responded that the bureau does not acknowledge accuracy from a fellow bureau as a reason for not deleting this account. ( XXXX ) Different accounts all from XXXX XXXX XXXX were disputed by me and then sold to Midstate company after asking or verification. All accounts have same account numbers, but range in amounts owed. I created an investigation with each of the bureaus, XXXX deleted all accounts. XXXX and XXXX deleted some of the accounts and refuse to provide information or proof of accuracy for why the remaining accounts continue to report. Self reports as accurate for the last 3 months from XXXX and XXXX, but XXXX reports as delinquent for 60 days still. I have reached out to both Self and XXXX ( XXXX ). Self states that they have no control for removing " late payments '' and XXXX has not responded.
01/24/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Improper use of your report Reporting company used your report improperly	MI 48197	Web
XXXX XXXXXXXX XXXX did not provide me with adequate privacy disclosures required by law. Therefore, I rescind my consent that I knowingly or unknowingly provided to your company, its employees, affiliates, non-affiliates, assignees and any other entity, to share my nonpublic personal information. The term nonpublic personal information means personally identifiable financial information provided by a consumer to a financial institution resulting from any transaction with the consumer or any service performed for the consumer ; or otherwise obtained by the financial institution. I have a right to opt out of my information being shared and hereby do so. The Gramm-Leach-Bliley Act limits your ability to share my personal financial information with certain non-affiliates. I HAVE A RIGHT TO PRIVACY. There is no law that gives you the authority to share my nonpublic personal information with any consumer reporting agency. I demand that you delete your account from any consumer reporting agency that you have furnished with my information in regards to any extension of credit, contractual, and or transactional relationship that I may have had with your company. You have failed to clearly and conspicuously disclose to me that my financial information may be disclosed to a third party. I was not given the opportunity, before the time that my information was initially disclosed, to direct that such information not be disclosed to the consumer reporting agencies. Lastly, I was not given an explanation of how I could exercise the nondisclosure option. DELETE the tradeline that you are currently reporting to any consumer reporting agency. Failure to do so, once this notice is received, will be an infringement upon my right to privacy. It would be in the interest of both parties to resolve this matter so that legal action will not be necessary.
12/03/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	FL XXXXX	Web
On XX/XX/XXXX, I opened a secured credit account with Self Credit builder, On XX/XX/XXXX I successfully paid off my debt of XXXX was asked if I wanted to collect my secured amount or move to the next level of a secured deposit of XXXX, I said yes and deposited another XXXX dollars. On XX/XX/XXXX a family emergency came up and I needed a rental car to get to New Jersey, so on XX/XX/XXXX I paid for and picked up my rental, For XXXX plus deposit which totaled out to XXXX XXXX maxed out my card. I kept the car longer than expected, on XX/XX/XXXX I returned the car but XXXX was closed, a family member was going to pay cash for the remainder of the balance when We returned the next day, Self had paid the remaining balance. Upon seeing it was paid my family member didn't feel required to pay it, I was shocked that self paid it because I knew My credit limit was only XXXX, I worked my way up to that amount because that was all I could offered and I could pay that amount down, I know I could not pay that amount, I never orally, written nor electronically asked or approved for self to go over our agreed secured amount of XXXX dollars and therefore should not have been paid. There were times that I tried to go over by a few dollars and the company refused, I never thought they would have paid such a large amount. I am working really hard to improve my credit and because of Self I have derogatory marks on my credit report and XXXX points were taken from me. I have tried to reach out to them about this and have it removed to no avail. XXXX XXXX has many reasons why I am not entitled to pay this, I agreed to a credit limit of XXXX and I have paid that, that is all I could afford and would not have exceeded that amount I want this account removed from my credit report and my points that were taken away because of false reporting of Self.
01/26/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NY 11692	Web	Servicemember
I started a first case and received a response from Self but now creating a second contingent case from the first case : XXXX ; Related to the feedback provided and the unfulfillment of their response. I received a letter stating all 5 transactions : XXXX XXXX ( {$21.00} ), XXXX ( {$31.00} ), XXXX ( {$1.00} ), XXXX XXXX ( {$1.00} ), XXXX XXXX ( {$1.00} ) will be permanently credited back and that the XXXXXXXX XXXX charge that came after this complaint is still being reviewed. I received 4/5 transactions from that date and still owed {$1.00} from 1 out of 2 duplicate XXXX XXXX transactions. They are still charging interest while not even giving back the amount they said they were. I do not think its acceptable to wait for such a small amount they shouldve been owed and is now affecting my interest fees. It is not fair for me to pay the amount including what I am owed. The interest is also being made off of an amount I do not owe, it should be deducted from the amount I was supposed to be credited. I tried emailing them on multiple occasions and called to get no help by phone and one representative told to me to contacXXXX XXXXXXXX. No one ever responded from that email/department. A representative from XXXX after several emails stated that the other transactions were approved but that one is still pending and can take upwards of 90 days and to allow proper time. That does not make sense regarding that the other transactions were credited back and the {$1.00} from XXXX XXXX came out twice but only one was credited back and it is all part of the same dispute. Secondly, the dispute that came after this one was credited back so how is it that an older one that was promised did not come back and still processing. Why is now that amount part of the calculation for my interest as well? It should not be so.
04/06/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Improper use of your report Credit inquiries on your report that you don't recognize	WA 98662	Web
On XX/XX/2023, I noticed an unauthorized withdrawal of {$9.00} on my bank account to Self Lender, Inc. I have never heard of this company and have never accessed this company 's website and/or used this service. I then checked my credit reports and noticed a fraudulent account had been opened on XX/XX/2023 using my information in the amount of {$520.00}. The account showed as a personal loan with SBNASELFLNDR on my XXXX credit report, an installment loan with XXXX XXXX on my XXXX credit report, and an installment loan with XXXX XXXX Self Lender on my XXXX credit report. I attempted to contact XXXX XXXX and was only able to get the automated message telling me to email XXXX and XXXX for issues related to fraudulent accounts and credit report issues. On XX/XX/2023, I emailed Self Lender letting them know about the issues outlined above and requesting urgent attention and a response. On XX/XX/2023, I attempted to call the bank ( XXXX XXXX ) and spoke to an employee there who told me the only people who could help are representatives from Self Lender, and was again directed to contact Self Lender. On XX/XX/2023, I again emailed Self Lender requesting a response and urgent action. I had still not heard back from my original email. On XX/XX/2023, I emailed Self Lender again and attached a copy of the identity theft police report and FTC reports and requested urgent attention and action. I did not receive a response. On XX/XX/XXXX, I again emailed Self Lender and requested urgent action and attention. I have still not received any response and/or communication from XXXX XXXX. The fraudulent account opened in my name caused my credit score to drop at least XXXX points. Clearly, I am a victim of identity theft and I am extremely upset that this issue has not been immediately addressed and rectified.
07/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Unexpected or other fees	CA 90230	Web
In an effort to improve my credit score, I found a company called Self Inc., also known as Lead Bank Self Lend. By making payments into a savings account, they would report a positive line of credit to the 3 Credit Bureaus. Also, at the end of my term, I can collect on the savings I've built. Unfortunately, I had to cancel the service and in doing so ; the expected outcome is that they would refund my money saved. The point of this dispute is that the company attempted to automatically withdraw funds from my account AFTER I already closed it ... .AND the funds received from my savings account was far less than what I had saved. # 1. Records show ( see attached ) that I closed my account on XX/XX/XXXX at XXXX. According to my bank, I had no pending charges from Self Inc. But on XX/XX/XXXX, a pending charge was triggered which resulted in an over draft fee with my personal bank PLUS a {$15.00} return fee with Self Inc. So ... if I just closed my account, how can this company continue to automatically withdraw funds??! I raised my concerns with them and their response is that they attempted to withdraw the money on XX/XX/XXXX. But again, my records show that the transfer wasnt attempted until the XXXX. And all other payments ; according to my bank was on the XXXX of each month. # 2. Records show ( see attached ) that my savings balance was up to {$75.00} ... but the amount received was {$36.00}. I have no clue as to why I only received half of what I saved, and their records arent clear on how they arrived to this amount. I regret that I have to go to this length to collect on money I've saved, but I feel it necessary to resolve this dispute. Should you have any questions about this claim, and it's attachments. I welcome the opportunity to discuss this further. Thank you.
07/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19104	Web
Dear Self. Inc, I am writing to you, your company, its partners, and affiliates that I am rescinding and opting out of your company sharing my personal and private nonpublic information. Personal nonpublic information is defined as Personally identifiable financial information ; and any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available pursuant to 16 CFR 313.3n ( 1 ) ( i ) and 16 CFR 313.3n ( 1 ) ( ii ). As of today, XXXX I no longer give your company, its partners and affiliates knowingly or unknowingly consent or permission to share my private nonpublic information. I am a consumer and consumers have the right to privacy. Privacy is defined as the right not to have ones personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy your company is governed by the rules of the Gramm Leach Bliley Act. The Gramm Leach Bliley Act provides that consumers of their right to opt-out if they dont want their information shared with certain nonaffiliated third parties such as credit reporting agencies. Nonpublic information is any information such as name, address etc and/or about an individual from a transaction involving payment history, loan, account number, Therefore I am demanding you, your company and affiliates delete this account off on my credit report within 10 business days for infringing on my right to privacy. I am giving your company 30 days to update my request and cease & desist furnishing my nonpublic information. If your company does not adhere to this notice, I will be forced to bring legal suit for infringing on my unalienable rights. Best regards,
09/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 601XX	Web
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Self Financial , Inc. violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), and 18 U.S. Code 8
05/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 328XX	Web
I recently submitted an application for a credit card with XXXX, which was unfortunately declined due to their adherence to the XX/XX/24 rule. According to this rule, I am purported to have opened five credit card accounts within the past five months. This, however, is not an accurate representation of my activities. XXXX communicated to me that my XXXX Credit Report indicated the presence of a credit card account with Self.inc. While it is accurate that I maintain a Self.inc Credit Builder account, I have never been consulted about or consented to the opening of a Self.inc credit card associated with this account. Interestingly, the Self.inc website highlights the availability of a credit card that does not necessitate a hard credit inquiry, stating : " No hard pull on your credit Your card is secured with the money youve saved with your Credit Builder Account Designed for building credit with responsible use '' It is my understanding that this credit card may already exist within their system and has been subsequently reported to the credit bureaus. I would like to stress that I have no interest in maintaining this card and wish to have it cancelled and its records expunged from the credit bureaus. Perusal of their FAQ provides the following information : " Cancel your Self XXXX Credit Card account by calling us at XXXX. Please note that once your card is closed, we will not be able to reopen that card account, though you may be able to open a new one in the future. '' In an attempt to rectify this situation, I have reached out to them five times via their provided contact number and sent multiple emails to XXXX. Regrettably, each time I have called, I have been informed that there is no available representative to assist me, and my emails have not garnered a response.
05/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	RI 02816	Web
I shall begin by saying this is a cease and desist letter to the companies SELF FINANCIAL INC, XXXX, XXXX, AND XXXX. I am seeking Monetary Relief because my rights under the FCRA have been violated by Self Financial Inc ( 15 U.S. Code 1681n - Civil liability for willful noncompliance ). This company has been reporting to all 3 credit bureaus that my account has been charged off however, they have been constantly harassing me via email to make a payment. Below I have attached proof of how the account is reporting on my credit report which is also accurate for the other bureaus and I've also attached proof of them emailing me today XX/XX/2023 saying that I owe a payment. I would like this account IMMEDIATELY deleted and removed from all 3 credit bureaus as this is a CLEAR violation of my rights. This corporation is trying to profit from the government as I assumed they filed a 1099C for this " debt '' and they are also trying to profit off of myself as a consumer since they are STILL asking me to make a payment. HORRIBLE HORRIBLE HORRIBLE and shame on them!!! I would also like to receive monetary relief from the 3 major credit bureaus as I have reported MULTIPLE times that this company has been violating my rights and all they have done was validate the account without any explanation as to HOW they validated it. I'm confused because I was under the impression that these credit bureaus have an obligation to the CONSUMER but it looks like they are working together with these major corporations to try and profit off of poor consumers as this account has cost me thousands of dollars in interest. I will take legal action if this account is not removed and deleted within 15 days off of all 3 of my credit reports as there is no excuse or explanation that can justify such violation!!!
05/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 08638	Web
I am requesting ALL of my disclosures pursuant 15 usc 6802B that youve should have conspicuously disclosed to me before reporting of my non public personal information to non affiliated third parties ( XXXX, XXXX, XXXX. Cavers ) A financial institution may not disclose non public personal information to a non affiliated third party unless A, B, C was done. You did not properly give me my disclosures. I am exercising my right to opt of my information being reported pursuant 15 usc 6802b. You actions has caused me and my family severe mental trauma, deformation of character You 15 usc 6801 you have an obligation to protect my information Have violated my consumer rights. My right to privacy and the obligation you have to maintain the security and confidentially of my private information. 15 U.S. Code 1681a - ( 2 ) Exclusions. States report containing information solely as to transactions or experiences between the consumer and the person making the report. A late payment in fact is a transaction or experience and the information youre sharing to non affiliated third parties like, XXXX, XXXX, XXXX is in fact supposed to be excluded from the consumer report. 30-60 Days late. Your actions amount to aggravated identity theft. 18 usc 1028A, As an consumer you have an obligation to respect the privacy of its customers to protect the security & confidently of those customers non public personal information. 18 usc 1028A - Aggravated identity theft Whoever knowingly Transfers, possess, or uses without lawful authority a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. Furthermore you have no lawful authority or permissible to put any accounts on my consumer reports
02/14/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 238XX	Web
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for XXXX made pursuant to the above-named XXXX and XXXX. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action XXXX constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following XXXX, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
03/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 342XX	Web
This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. After that I sent you the attached letter and I never got a sufficient response. Unfortunately, credit bureaus often use software that does not complete thorough investigations.I am disputing the following information directly with you, the furnisher of information, and I am requesting that you send me all papework you have on this account so i can review the accuracy of your reporting. You are a financial institution identified in 15 U.S. Code 1681a ( t ) Financial Institution.The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer. For the record I do know and understand by law, who you are and who I am. 1. I would like to see your GAAP ( general acceptance accountability principles ) which is your paper trail from where/when it came directly from your account. 2. I also want to know who is the original creditor? 3. I am also requesting the Individual Masterfile ( IMF ) pursuant to 15 USC 1681G this should contain every payment I ever made, the original wet signature contract, not a copy or printouts, it should also contain info on where you got it, how you got it, and when it was stored. If dont get this its a violation 4. Also I do not recall you CLEARLY and CONSPICUOUSLY disclosing to me the CONSUMER my right to opt out according to.
12/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75217	Web
On XXXX I wrote to you requesting an investigation into items that I believed are inaccurate, and falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting. 15 U.S. Code 1681i. Procedure in case of disputed accuracy. ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 1 ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance if the validation of debt request isnt completed.
11/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29407	Web
To whom it may concern I XXXX XXXX Have noticed inaccuracy of reports from Self/Lead Bank I have made several attempts to dispute this matter allowing myself to get the account Removed I have also filed an FTC report XXXX Prior to this I have filed multiple requests in dispute of the fradulent report and inaccuracies When according to 15 USC 1681 Reports must be ACCURATE with further investigation my reports are also Fraudulent but these reports have inconsistencies with XXXX, XXXX, and XXXX which by law along with 15 USC 1692 ( g ) ( b ) validation of this debt can only be done by the original creditor which is me The Consumer. I can only validate that debt and this debt is not my debt someone had compromised my information and Fraudulently using my identity and with the help of theses agencies I am having a great deal of suffering in regards to this matter. Also in result to this matter these report have become charge off which is illegal to be done after I have asked for debt validation nothing has been done no notices have been sent to me or any evidence of them showing me that this was truly me because they can't produce the information because it wasn't me. I am asking for the immediate REMOVAL. In conjuction to this matter I am seeking monetary relief due to this erroneous reports that are hindering my livelihood and ability to extended myself credit which Is my right under equal credit opportunity act established in 1974 I have sent documents highlighting each error in reports and am seeking Remedy for Each Violation that is stated FCRA 1681. Please go thoroughly investigation ton understand understanding the importance of these law and the litigation to properly go through steps and grant me proper relief Thank you In good faith XXXX XXXX
09/01/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	WA 98030	Web
This is a continuation to complaint XXXX. Due to direct affects of the pandemic I was unable to respond within timeframe as I was medically incapable of doing such from direct affects of coronavirus. All attachments and arguments still stand and I also am accusing self lender of unethical and unfair operating practices. Self lender in their response makes claims that I owe a debt and notified me. I have repetitively and timely communicated with self about transactions that were unauthorized .Self lender has told me that i owe because i did not report the transactions withing their time period. in the attachments provided by me in case XXXX i have provided proof that is incorrect. I also would like to accuse self lender of taking advantage of me claiming to be a company to help build my credit with securities in place to avoid this very issue. When obtaining a secured credit card it states that the amount secured is the only way to increase limit amount. here is the information gathered directly from self 's web site. https : //www.self.inc/visa-secured-credit-card. to make this more egregious, my maximum limit was a very small fraction of what is said to be owed. i believe XXXX possibly a tad higher ( can provide exact information if needed ) and the card was used for several XXXX dollars at one point and unauthorized. The practices to gain assistance was and continues to be extremally laborious and unethically difficult to gain help. This is all laid out throughout attachments referring back to case XXXX this should be illegal to operate under the platform of aid and support with credit. the process to be eligible to receive a secured credit card calls for healthy and productive habits with their initial credit builder account in which I followed.
12/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Was not notified of investigation status or results	IL 610XX	Web
I took out a " loan ' from a credit building company Self financial to rebuild my credit. Since joining them my overall credit score has went up as they have told me However My score does not reflect them as a whole. It reflects other credit building apps and credit repair I have done. Every time my credit does take a ding and goes down in points, the credit monitoring services sends me notice that it's because of the self financial products. I've attached a couple emails to show. They have to be reporting something wrong because I have paid every one of my payments on time and before it was due. I have the loan and I have a self-building credit card. It's actually our money we're putting into an account that they charge us interest for using and then they charge you money for the card? It's our money? They also have changed banks one other time during my short time with them so I'm one 's credit report it looks like you have closed out that bank and started another one and then your age of your account goes down. I also meant to pay the credit card off in full and then they applied it to the loan therefore I had to pay another full amount of the credit card to pay the credit card off It's actually self-building credit card. They would not credit me for this I'm on a fixed income that's a lot of money for someone and if they aren't on fixed income. I had to pay for their mistake. This company needs to be investigated to its fullest I have tried to communicate with upper management. I go to reply to the emails they send me and it goes to a non-monitored email so I'm unable to get an email to them. I would like my credit report to reflect my payment history with them and not this frivolous stuff that causes my credit score to go down see attachments
04/05/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Unexpected or other fees	OR 97404	Web
This is the email I sent to Self : I opened an account with Self in XXXX to improve my credit with an auto pay set up for 12 months for a secured amount of {$150.00} per month. Since it was auto pay I never had a late payment. I completed the 12 months in 2021 and I believed I was finished but then saw that in XXXX Self reported a 30 late payment to the credit bureau which now negatively impacts my credit score. It was due to the annual fee on a credit card that I have never used and did not realize that it was a credit card. I understood the card to be a secured visa if I decide to put a secure deposit on it in the future. I have spoken to multiple representatives and the only help I have received was from XXXX in XXXX. He reversed the {$55.00} charges for the annual fee and told me that he would have a letter generated then emailed to me stating that the late fee was waived and should not have been posted to my credit. I did not receive that email and have since been bounced back and forth between departments from representatives who will not assist me. I spoke with XXXX this morning who was very kind and created a ticket as an additional document to go along with this email. I would like this to be resolved. I opened services with Self to positively build my credit and now Self reporting is doing more harm than good. I have attached a screen shot of the only information Self reported to the bureau. I would like a manager or supervisor to please contact me because I feel this needs to be dealt with and corrected from a position of higher authority. For Self to send me a letter stating that the negative report can be removed from my credit will help me without affecting your company so I dont understand why this has been such a difficult issue.
09/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WI 53223	Web
HI, Self Financial or XXXX Is reporting an inaccurate balance on my XXXX report which resulting in me losing XXXX points!!! UNBELIEVABLE!!! When On XX/XX/2023 I made a payment of {$240.00} & a payment on XX/XX/2023 of {$20.00} more dollars & Self reported on the XXXX of XX/XX/2023, my balance went down from {$400.00} to {$200.00}. & my scores went up on XXXX XXXX XXXX XXXX & I'm still waiting for XXXX to update the new balance. How Ever, today XXXX It shows a report of {$400.00} balance back on my self account on XXXX report!!! WHEN I HAVE PROOF I ALREADY PAID THIS ACCOUNT DOWN NOW 27 % UTILIZATION! & BALANCE IS {$200.00} NOW!! Why would XXXX report inaccurately or Self Inc? Because XXXX says it's getting reporting from Self INC but they only report on the XXXX of the month & they already reported the balance down to {$200.00}!! not {$400.00}!! This is a huge inconvenience & messing up my future plans for buying a home, a new car ( I was in a car accident & my car was totaled, not my fault & its been enough!!! ) I DONT NEED THIS!! & now either XXXX OR SELF FINANCIAL IS MESSING WITH MY LIVE & FUTURE! It's already been a pain that XXXX says Self Financial didn't update & report the new balance of {$200.00} but XXXX XXXX XXXX XXXX did report the correct balance in the beginning of XXXX. So I do NOT understand why is there a new report saying the balance is back at {$400.00}? My payments were took out of my bank accounts & everything was fine. I BEEN WORKING SO HARD TO GET MY CREDIT CARD BALANCES DOWN, JUST TO BE DISHONORED! I NEED THIS PROBLEM FIXED ASAP & MY XXXX POINTS BACK PLEASE! THIS IS GETTING DEPRESSING, THESE COMPANIES DO NOT CARE ABOUT MY LIFE!! THEY ARE VIOLATING MY RIGHTS & BREAKING THE LAW, REPORTING INACCURATE INFORMATION IS ILLEGAL!
05/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33613	Web
Self Inc./ Lead bank has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by Self inc/ Lead Bank before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or Self Inc/ Lead Bank to furnish any late payments to my consumer report. It is my belief that due to Self Inc business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
11/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY XXXXX	Web
My personal bank is XXXX XXXX, I have been paying SELF for 2 years and my contract endds this XX/XX/2023 my last payment is XX/XX/2023- i have NEVER ever missed a single paymnt and my payments have always been on auto pay. In XXXX, my personal bank, XXXX XXXX had a ACH problem, they could not process withdrawals, charges or deposits and the problem stille exists on my checking accounts but it is not just my accounts it is BANK WIDE meaning nation wide. There is nothing I DID WRONG. when self sent payment thru it was normal, and i was in hospital with XXXX where i have no internet and no acess to phone as i was sick fighting for my life, needless to say t he bank was having this issue and the payment was sent back XXXX when there was nothing wrong with my personal accountit was a a bank system issue, i called self and told them that and they told me they will not help me the paymentwas made on timme as i do every month i provided hte screen shot proving the issue and they still would not help me i asked for supervisor and they refused me supervisormy credit has NO BAD ACCOUNTS I HAVE VERY GOOD CREDIT and now its bad credit because self screwed up and wont fix this you cant punish me for a banks error and you cant punish me for not knowingyou were sending emails when i was in XXXX XXXX XXXX during a state of emergency in XXXX with XXXX in XXXX. I demand the negative report removed and immediately resolved as I paid it soon as i saw the issue when i came home and made sure to make good on it i demand this adjusted as it was NOT MY ERROR NOR FAULT. i will sue and go to social media and attorney generals office if not, as you can not punish a customer for a banking facilities issues, nor punish me for being almost dead and nothavin internet.
03/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Problem with customer service	AL 354XX	Web	Servicemember
I have an credit builder account and also a credit card account with Self credit builder. I closed my credit builder account with them. I have a payout that was supposed to be sent to me on XX/XX/2023, in which they were supposed to deposit it into to my bank account. They have yet to send my payout. The first few times I called they said they needed to verify my identity. I sent them a copy of my driver 's license, a picture of me holding my driver 's license and a picture of my social security card. They also asked for a copy of my bank statement associated with the Self account I had on file. After repeatedly sending them my bank statement they sent another email stating the bank statement had to show a payment made to Self. Which was not possible due to it being a new bank account that I haven't made any payments to Self on. I sent all of this information to them. However they repeatedly asked for the same bank statement which I sent each time they requested it. The last time I called them XXXX I was told something totally different than what was told to me previously. They said that my payout for my credit builder account was showing as staged and should be sent out as early as tomorrow, the next day I was told it was frozen due to ID Verification. They are continuously giving me the run around. It was supposed to be sent to me on XX/XX/XXXX and I still haven't received my funds They also stated that the ID verification was for my Self credit card not my credit builder account but if that was the case I should have received my funds on XXXXXXXX XXXX XXXX They sent me numerous emails saying the identity verification was because of the Patriot Act. However they didn't try to verify me until I decided to close my credit builder account.
12/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48322	Web	Servicemember
Self Finacial has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by self financial, before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or self financial, to furnish any late payments to my consumer report. It is my belief that due to self financial, business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
04/23/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48161	Web
XXXX continues with shenanigans, refusing to follow 15 USC 1681 ( b ) where I have not provided a written instructions on how to furnish information on MY consumer report. As the law states. They continue to report accounts that HAVE INCORRECT BALANCES. LATE PAYMENTS WHICH IS THE EXPERIENCE of the CONSUMER. NOT THE ACCOUNT. WHICH IS a part of 1681- without the written instructions of how to furnish this information they have chosen to negatively report this information. Which is a direct violation of 15 USC 1681 ( b ). They think I work for them and not the other way around. This has deeply influenced my ability to SURVIVE in this world! DURING the PANDEMIC and shortly after, things were VERY TOUGH. Looking at my history from the 20 yrs before it where I HAVE NEVER MISSED ONE PAYMENT OR EVEN BEEN LATE! You might conclude this may have had an impact on my ability to live. Like millions of others in the UNITED STATES. They continue to do what they feel is appropriate not by what the law allows. This is why the law states you need written instructions how to furnish information. XXXX needs to follow laws that CONGRESS HAS PUT INTO EFFECT LONG BEFORE. They are controlling a market that is keeping people in poverty! Directly impacting their ability to further SURVIVE. Do they not see how financial stability provides for every other stabilization in someones life? Mental, physical health FYI- your directly impacting the health and wellness of this country. People that lose the ability to get another place to live and car to drive end up on XXXX XXXX. Not where our population needs to evolve too. STOP pushing people into XXXX XXXX. You are not helping this country or anyone! FOLLOW THE LAWS-stop being the problem and commit to a solution!
10/18/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	TX 75238	Web
On XX/XX/2022, XXXX XXXX unilaterally closed my credit builder and credit card account with them. They claimed to pay out my money in XXXX business days after my account is closed. It has been way past that timeframe. I contacted Self Inc. customer service on XX/XX/2022, to ask why they haven't sent my money yet. They told me to contact their dispute/fraud department via XXXX. They said there is no phone number for that department which I thought was odd. On XX/XX/2022, I got the below email from the dispute/fraud department. " Self Financial Hello XXXX, While Self strives to offer service to all of our customers, we have a regulatory obligation to regularly review accounts and their activity. During one of these standard reviews, we came across information on your account which was unverifiable. As we are required to be able to verify all account information, we must unfortunately discontinue your service with us. If you have any payouts owed at this time, your payout may be frozen during this review and we will unfreeze any funds once our review is complete. For security and privacy purposes, we are unable to specify which information was unverifiable or offer any further timeframes on our payout review process. Please reach out if you have any further questions. All the best, The Self Team '' How unreasonable is that email? They can't tell me why they closed my account and froze my funds, they can't tell me exactly what was suspicious, and they can't tell me approximately how long it is going to take? I believe this is unfair practice. As an account holder with SELF, I have a right to know what is happening with my account. They can't just say " Oh, we can't tell you anything because of security reasons ''.
09/01/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MN 55106	Web
I Have Been A Victims Of Identity Theft upon getting denied a credit union. I have reviewed my credit reports, and I have accounts that were opened in my name, Debt collectors mailing me stuff in the mail. I lost my social security card and drivers license on approx XX/XX/XXXX, Since then I have reported the identity theft to the social security administration and got a new drivers license, the accounts that are identity theft I will list below XXXX 1 ) XXXX XXXX XXXX opened on or about XX/XX/XXXX 2 ) XXXX credit card opened on or about XX/XX/XXXX 3 ) XXXX XXXX XXXX ( auto ) opened on or about XX/XX/XXXX 4 ) XXXX XXXX opened on or about XX/XX/XXXX 5 ) XXXX Self Lender opened on or about XX/XX/XXXX 6 ) XXXX XXXX XXXXXXXX opened on or about XX/XX/XXXX 7 ) XXXX XXXX XXXX opened on or about XX/XX/XXXX 8 ) XXXX XXXX XXXXXXXX opened on or about XX/XX/XXXX 9 ) XXXX XXXX XXXXXXXX opened on or about XX/XX/XXXX 10 ) XXXX XXXX Date Filed XX/XX/XXXX XXXX Accounts that are open fraudulently are listed below 1 ) XXXX XXXX self lender opened XXXX 2 ) XXXX opened on XX/XX/XXXX 3 ) XXXX XXXX XXXX lender XXXX on XX/XX/XXXX 4 ) XXXX XXXX XXXX lender XXXX on XX/XX/XXXX 5 ) XXXX XXXX XXXX lender XXXX on XX/XX/XXXX 6 ) XXXX XXXX XXXX opened on XX/XX/XXXX 7 ) XXXX XXXX XXXX lender XXXX on XX/XX/XXXX XXXX ) XXXX XXXX date filed XX/XX/XXXX XXXX Accounts that are XXXX fraudulently are listed below 1 ) XXXX XXXX XXXX opened XXXX XX/XX/XXXX 2 ) XXXX XXXX opened on XX/XX/XXXX 3 ) XXXX XXXX opened on XX/XX/XXXX 4 ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 5 ) XXXX XXXXXXXX XXXX opened XXXX XX/XX/XXXX All of these accounts were not authorized by me. I also have multiple inquires on all my credit reports that were not authorized by me
07/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11550	Web
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' SELF FINANCIAL/LEAD BA 2 LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$520.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type XXXX XXXX Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. Status updated XX/XX/XXXX Original balance $ XXXX Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 24 Months Company sold - Original creditor - Comments Account paid from collateral Your statement CONSUMER STATEMENT Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXXXXXX XXXX XXXX , MO XXXXXXXX XXXX number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.
04/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Received unwanted marketing or advertising	KY 40509	Web
Back in XXXX I believe, I had opened an savings account with SELF credit. Where I had to make monthly payments to self and they will put it in a saving account and report it to the credit bureaus. I made every single payment on time with my saving account and it was also on a 12 month term. I recently was trying to get approved for a home loan and I discovered/ was informed that i had a recent delinquency on my report on a credit card and I didnt recognize nor know what the lender was telling/ describing to me. They then told me it was a self visa credit card and I told them I had a self saving account but no card. Was denied the home loan. I then reached to self and the number that was connected to the account on my credit report was connected to a prior employee at self that hasnt worked there in 9 years I called the number and he was telling me that. I then XXXX selfs phone number and how to get in touch with them because I no longer had the app on phone so I had to look for their contact information. And while I was doing that I decided to redownload the app because I couldnt trust XXXX phone number for this business. Ive let self know the issue in the apps chat and also called multiple time and informed them multiple times about this matter and was constantly telling them I do not recognize this card and I didnt authorize it I dont even physically have a self card. I recently just received a XXXX $ Check from self and I dont even know where that money comes from? Im super confused and they still havent removed this fraud off my credit report. And now I have a delinquent account on my credit report it is hurting me tremendously and I will like for it to be removed fixed and repaired.
03/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29412	Web
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks dated on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
03/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29405	Web
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
12/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91766	Web
I am a victim of Identity theft and I have sent letters to both XXXX and XXXX XXXX informing them of a fraudulent loan account that is being reported on my credit file. I have sent multiple letters to XXXX asking them to remove this fraudulent account off my credit file. My most recent letter was sent on XX/XX/2022. I sent this letter certified mail and have the certified mail receipt and proof of delivery from the United States Postal Service. I have also sent multiple letters to XXXX XXXX informing them of the theft of my identity and asking them to remove this fraudulent account off my credit file. The most recent letter sent to XXXX XXXX XXXX XXXX on XX/XX/2022 as well. After sending multiple requests to both XXXX and XXXX XXXX XXXX XXXX has honored my request to have the fraudulent account information removed from my credit file. I also sent emails to XXXX on XX/XX/2022 and XX/XX/2022, with investigate credit in the subject line as instructed by XXXX. In these emails, I provided them a letter detailing the theft of my identity, and a Identity Theft Report from the Federal Trade Commission, and asked them to remove the fraudulent account from my credit file. These are the same documents that I have sent to XXXX as well. With these documents, I have included all the necessary documentation to prove that I am a victim of identity theft including identity theft reports, police reports, copies of my driver 's license, social security card, and proof of address. I need this fraudulent account information removed from my credit file immediately because I did not open any loan account with XXXX XXXX XXXX nor did I authorize anyone to open an account with my information.
09/30/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	PA 194XX	Web
I tried approximately 20 different times to get in contact with " SELF '' Numerous Failed Log in Attempts on their website, via Numerous Phone calls ( up to 1 hour on hold multiple times ) Several Emails, Several Attempts to " CHAT '' with their representative on line and I was unable to contact them. I was trying to update my credit card on file to make a payment ON TIME because my other card ( that was set up on my " SELF AUTO PAY '' ) had been lost or stolen. I had tried to update this cared WELL BEFORE THE PAYMENT WAS DUE, OR WOULD BECOME LATE. The fact is they reported a 30 day late payment on my credit history ( meanwhile they are supposed to be a " Credit Building Institution '' ) That is what they advertise themselves as. Now my credit has dropped by about XXXX Points on average on all three bureaus as the result of this FRAUDULENTLY REPORTED LATE PAYMENT! I was finally able to get through to a " Self Representative '' about a month ago, ( after the late fee had evidently been posted on my credit report ) and explained the situation in detail to one of their representatives on the phone. He explained to me there was nothing he could do about it. I have since then tried to get in touch with a " Supervisor '' at " SELF '' via numerous phone calls and have been promised " a return phone call within 1 -2 business days '', 3 different times now, but they never call back. THIS 30 DAY LATE IS NOT A FAIR OR TRUE REPRESENTATION OF MY CREDIT, OR MY PAYMENT HISTORY, AS THE SELF WEBSITE WAS DIS-FUNCTIONAL AND SO WAS THERE " CUSTOMER SERVICE ''. I MADE EVERY ATTEMPT WITHIN MY ABILITY TO MAKE THE PAYENT ON TIME, BUT IT WAS NOT POSSIBLE DUE TO THEIR NEGLIGENCE.
03/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem with product or service terms changing	TX 78610	Web	Servicemember
I paid my Self-Financial credit card account-XXXX off and received verification that my account was closed on XX/XX/XXXX and I would receive a payout of {$220.00} via XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX I received an itemized break down from Self-Financial and was informed " the payout is what you paid in less the interest on the loan and any fees to date. '' Here is the itemized breakdown of the payout : Total Paid {$580.00} Total Interest - {$44.00} Returned Payment fee ( s ) - {$0.00} Late Fee ( s ) - {$17.00} Early CD Withdrawal Fee Accrued CD Interest - {$0.00} + {$0.00} Self Visa Credit Card Deposit ( if applicable ) - {$300.00} Payout Owed {$220.00} After receiving my payout, I was assured the account was closed. Unbegnknownst to me, In early XX/XX/XXXX I became aware the account was still active and accruing interest in addition to late fees upon receiving a notification from my credit monitoring report. The worst part is that self-financial reported the account that had been previously closed to the credit bureaus, negatively impacting my credit report on false records. This is ironic, as Self-Financial literally advertises that the company will boost your credit score. I would like the outcome to be that my all late fees are credited back to my payment account on file XXXX and that the false information be removed from my credit report as Self-Financial has negatively impacted my ability to obtain new credit. I have tried working with the company several times and even requested a goodwill letter for the sake of my credit, but even the goodwill letter request was denied, although I did nothing wrong as the account was paid off.
10/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 314XX	Web
in accordance with the fair credit reporting act these creditors have violated my rights. XXXX ) Open sky account number : XXXX on XX/XX/XXXX address : XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, closed account with no account number. XXXX XXXX & XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ) XXXX XXXX account number : XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX ( XX/XX/XXXXXXXX XXXX XXXX XXXX ) XXXX ) XXXX XXXX account number : XXXX. XX/XX/XXXX address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX ) Self lenderXXXX account number XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Self lender, account number. XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ) Self lender, account number : XXXX. XX/XX/XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ) XXXX/DEPT OF XXXX, account XXXX. address : XXXX XXXX XXXX XXXX, MO XXXX XXXX - XXXX of XXXX Under 15 USC 1681 section 602 states I have the rights to privacy. 15 USC 1681 section 604 section 2 it also states : a consumer reporting agency can not furnish an account without my written instructions. 15 US Code 1681A definitions ; rules of construction - exclusions. -- - except as provided in a paragraph the term " consumer report '' does not include -- any report containing information sole as to transactions or experiences between the consumer and persons making the report. Under 15 USC 1666b : a creditor may not treat a payment on the account under an open-end consumer plan that's late for any purpose. XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
08/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28025	Web
I have a secured credit card with Self lender. They were supposed to be a credit builder company, and thats the reason I have obtained it. XX/XX/20 I have received email from all my credit monitoring platforms stating that I have overspent my credit card, and for that reason my XXXX credit score decreased XXXX points! This company called self lender is practicing unfair business! I have paid my credit card much before the due date XX/XX/20, instead of this company be reporting to the credit bureau like any other financial institution, they are reporting what you spent on your card before payment is due. For example : my credit card is due on the XXXX of each month. I pay the credit card the XXXX of that month. After the statement posts like any other credit card I can spend. This company is reporting to credit bureau at the end of each month your balance that you have on your card! This company has Hurt my credit score in the middle of purchasing a home. Im in the process of purchasing a home, and my credit has reduced XXXX points. They have reported to the credit bureaus that I have overspent {$18.00} dollars from my credit card! I need this company to shut down! I have filed a complaint with the XXXX XXXX XXXX as well! They will not ruin my house purchasing! I am a single mother with a young kid, and my dream my whole life was to purchase a home. I need Selfer lender to fix what they have done to my credit as soon as possible! Im closing my house in 2 months! I cant afford taking a hit of XXXX points on my credit score! I will upload photos of what was reported to the credit bureaus as well as my statement.
05/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	MI 480XX	Web	Servicemember
Self Financial Incorporated ; Self Financial Incorporated is a purported credit loan rebuilding service. Such offers a credit loan monitoring service for the monthly charge or amount to that of XXXX - XXXX dollars a month for that of a trust deposit program. Such service takes monthly deposits to the amount prescribed above up to the threshold of around or just above {$3000.00} dollars ; where such money is held before being offered to that of being paid back after a two year period. Such service also offers a credit card service, where said deposited funds can be withdrawn an utilised potentially within the stated period ; albeit functioning more to the ere of a Debit card service. While such may be a legitimate service offering for the pretenses of aiding to that of rebuilding credit ; such could potentially be rooted to that of a fraudulent undertaking as opening such account or service actually takes out a loan against a credit report in the amount of {$3000.00} dollars ; where the appearence is then given to that of such regarded to that of borrowed capital which is being paid back. Such stated loan or lump sum deposited payment may not actually amount to fruition based on the information provided. Upon canceling such stated service early ; paid funds were kept as collateral indicating to such intent about money being taken referrent to that of paying back a loan ; as opposed to that of a trusteed deposit to be paid back after a two year period. For persons to cancel stated plan of regard early would essentially entail to the loss of deposited or accrued funds submitted to the such stated service.
04/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19124	Web	Servicemember
I XXXX XXXX am a victim of identity theft my information was used illegal by primary physician office I was sent letter of the lawsuit that I was effected and a part of class action suit and didn't recieve any money but not interested in the money more so my credit that was effected and still reporting on my credit report I filed for identity theft thru identity theft.gov also reach out to each company in XXXX and still the problem arising on my report and hindering me from my credit .based on Law 15 us code 1681c-2 a consumer reporting agency shall block the report of any information on the file of a consumer that the consumer identifies as information that results from an alleged identity theft no later than 4 business days after the date of receipt. If has been 30days ans you are in violation of the law because I am a victim of identity theft!!! Please delete these items as soon as possible! These accounta should not be furnished on my consumer report as they are in violation!!! Under 15 us code 1681b permissible purposes of consumer reports ( A ) in general subject to subsection of any consumer reporting agency may furnish A consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN Institution of the consumer to whom it relates. I never gave any consumer reporting agency written consent to report anything on my consumer report which violets my rights as a federal protected consumer. No consent is identity theft. As a consumer I Am demanding the deletion of these accounts listed IMMEDIATELY. Accounts as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
11/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	TX 77036	Web
On XX/XX/2021 hard inquiries had been wrongfully placed on my credit report by your office and you are being held responsible from here on OUT the account youre currently reporting is : SELF FINANCIAL INCXXXX XX/XX/2021. To whom it may concern I want to inform your office that you are in violation of FCRA you have violated my rights by reporting false innacurate information by placing this false account on my consumer credit report .The account that is being reported as me I have no knowledge of them, be adviced by law I have the right to PRIVACY and you the credit reporting agencies have violated it.The of accused hard inquiries and dates FOLLOW AS SELF FINANCIAL INCXXXX BY LAW WHEN A CONSUMER STARTS A DISPIUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNTS THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCY AS FOLLOW TRANSUINION IS CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA.Under the 15 U.S.Code 1681-Congressional findings and statement of purpose ( a ) accuracy and fairness of credit reporting the congress makes the following findings . ( 1 ) The banking system is dependent upon fair and accurate credit reporting.Inaccurate credit reports directly impair the efficioency of the banking system and unfair methods undermine the public confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.TO ADD ON THE CREDIT REPORTING AGENCIES HAS REMOVED /DELETED THIS FALSE COLLECTION ACCOUNT ALONG WITH OTHERS BUT YOU XXXX ARE REPORTING THE FALSE INNACURATE INFORMATION.
09/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KS 66062	Web
I had contacted this company on a separate public forum regarding these fraudulent accounts, yet the response they gave me was less than adequate to say the least. I had a Secured Credit Card through them I got years ago, to which I paid off and left it be. This company is not only reporting that I have an outstanding balance of XXXX XXXXXXXX.which I dont..BUT is also stating and sticking by that I have numerous missed payments and the card was charged off.THIS IS COMPLETELY FRAUDULENT ON THEIR WND BECAUSE I HAD THE ENTIRE BALANCE PAID OFF AND NEVER USED IT AGAIN!!!! How would I have missed payments and a charge off with no balance??? If you look at all the other complaints on here you can see this is a normal occurrence for this fraudulent company.THEN THEY SAID I OPENED TWO other credit builder accounts months apart from each other WITH GUESS WHAT??? More late payments showing up.I NEVER OPENED UP NEW ACCOUNTS WITH THEM. I cant stand this company after what they did with my credit card so WHY WOJLD I OPEN NOT ONE BUT XXXXWO NEW ACCOUNTS WITH THEM.!??!!??!!? Then they tried to tell me they have proof that I opened them and that they were used in the vicinity of where I live????? What does that mean???? Someone near me couldnt steal information? And open up fraudulent accounts???? DELETE THESE FRAUDULENT ACCOUNTS IMMEDEIATELY AND PERMANENTLY AND REMOVE THE LATE PAYMENTS AND BALANCE FROM THE CREDIT CARD TRADELINE OR DELETE ALL THREE TRADELINES OF LITIGATION WILL COMMENCE! I am being advised by my attorney to give you all this last chance, I would take it if I were you or face legal reprucussions.!
09/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 430XX	Web
XXXX was my customer service representative and i was far from pleased. My issue is that i have had 2 negative reports made on my credit report from self lender. The initial negative report was my own fault. I had autopay set up and my account was delinquent so autopay was declined. I manually made a payment, but was late. After that, i now have another negative remark on my credit report due to another missed payment. Only this time, my bank account was in the positive, and could have ( should have ) been charged since i was enrolled in autopay. Or so i thought. XXXX let me know that self lender automatically took me off autopay, with no notification to myself. I asked her how i was supposed to know and she said i am supposed to check monthly to make sure my autopay is not turned off. I asked her to cite the policy that explains this and she could not. I let her know that i would be disputing this and she told me i am not able to dispute anything. I told her i have made disputes before and am knowledgeable on how to make a dispute and she reiterated that i am unable to dispute anything with credit that has already been reported. If autopay failed, my payment obligation should be suspended, under the Electronic Funds Transfer Act, and i should not be considered late. Therefore, my credit report should be updated to show this. I would like this resolved immediately. I would like to continue my autopay ( without it being canceled or shut off without my knowledge ), and would like my credit report to reflect on time payments aside from the initial ( and only ) late payment due to my own fault.
01/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75181	Web
I have advised of these errors previosly. I recently received a copy of my ( XXXX, XXXX, XXXX XXXX ) consumer reports, and I noticed some late payments posted on my consumer report, XXXX XXXX Acct # XXXX Closed Account XXXX Late payments reporting on consumer report XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2021 XXXX is in clear violation of the law, Pursuant 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my consumer report? Furthermore the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( 1 ) Exclusions from a consumer report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( a ) Subject to section 15 USC 1681s 3 of this title, any- ( 1 ) report containing information solely as to transactions or experiences between the consumer ( me ) and the person making the report ( XXXX ) ; Delete the above late payments from my consumer report, XXXX is in violation of 15 USC 1681 I have on multiple occasions mailed supporting documentation and correspondence and not been sent validation or response to these documents and queries. I as the consumer am offering remedy to these violations and non-compliance to consumer laws. Please I ask in your capacity to get these important matters corrected immediately.
03/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD XXXXX	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Date : XX/XX/XXXX RE : Last 4 of XXXX XXXX To Whom It May Concern, On XXXX of XX/XX/XXXX, I disputed an account reported by Self Financial Lead XXXX in the file you maintain under my social security number. I was informed in XX/XX/XXXX that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX Please govern yourself accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Cc : Consumer Financial Protection Bureau ; Attorney Generals Office ; XXXX XXXX XXXX
09/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 387XX	Web	Servicemember
In accordance with the fair credit reporting act, ( Self Financial/Lead Bank Account XXXX XXXX ), has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section D2A ( I ) : the consumer report does not include reports containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by SECTION 1637 ( B ) OF THIS TITLE is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
02/22/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NJ 088XX	Web
Dear Self.Inc, I am writing to bring to your attention a serious issue that I have been experiencing with the processing of my credit card payments through your online platform named Self. As a loyal customer of your credit card service, I have noticed that payments made through this platform are not being processed properly, often taking more than 7 business days, and when they are finally processed, the credit is not being applied to my account. This delay in processing and failure to apply credit is causing significant inconvenience and distress. I rely on prompt payment processing and accurate accounting to manage my finances and maintain a good credit score. It is extremely frustrating to see that my payments are not being processed as they should be, and even more so that credit is not being applied to my account. I understand that issues can occur from time to time, but this problem has been happening consistently, and it seems to be a serious problem with your payment processing system. These bad practices can result in the accrual of late payment fees, interest charges, and other penalties that can be financially damaging to me and other customers. I urge you to take prompt action to address this issue and restore your customers ' confidence in your payment processing system. Please review your payment processing procedures and make the necessary improvements to ensure that payments are processed correctly and that credits are applied accurately and promptly. I appreciate your attention to this matter and look forward to hearing from you soon. Sincerely, XXXX XXXX
09/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 604XX	Web
Dear XXXX, XXXX and XXXX, I have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts ) owed are no longer outstanding for the following items : Party Owed : Self Amount : {$690.00} Party Owed : XXXX XXXX Amount : {$770.00} INQUIRIES XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXnquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX BANK NA Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX ADDRESSES XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX I XXXX disputing this claim due to : I had know knowledge of these accounts addresses or inquiries nor did I give permission for anyone to sign up with their company underneath my information I have also sent dispute letters as well as FTC report to the companies and credit bureaus listed above This is my official request to have the aforementioned item to be deleted off my credit report. Enclosed may be additional evidence to support my claim.
11/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30008	Web
For my self-lender account, the XXXX payment was received late due to a glitch in their system. Dealing with covid-19 most credit card companies are helping people with credit reporting. I have only been late with Self-Lender one time for the month of XX/XX/2021. I always make my payments on time but the month of XXXX my family and I were dealing with a COVID-19 scare. Also, I attempted to make a payment on their site but for some reason, it seems to be a glitch, which is when I made the XXXX payment with the XX/XX/2021 payment. I sent in a goodwill letter to self-lender customer service and they didn't do anything to help me as a consumer that has never missed a payment. I am attempted to resolve this issue with self-lender but they are unwilling to help me resolve this issue as it is negatively affecting my credit report. I need help as Self-Lender doesn't care about their customers or what they're going through in a difficult time. I have always made my payments on-time with Self-Lender and I use this company to help me work on my credit and being more responsible with my credit profile. This one late fee has dropped my credit score almost 50 points and this is affecting the purchase of my new home. My family was dealing with a covid-19 with my XXXX XXXX XXXX son which is more important than anything. The payment I attempted to make in XXXX on their app didn't go through due to an issue with their app, but when I realized the issue I made the payment right away. It seems Self-Lender doesn't have compassion for their customers that has a perfect history with them.
11/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	IL 60612	Web	Older American
I went to a web site to a company that said they would help with my credit scores. I deposited money in the account they gave me to start the program to help restore my credit for better standing. I first deposited {$27.00} ... the amount to deposit was {$9.00} ... instead I gave them, XXXX ... the next payment I gave them was {$100.00} ... I thought I was to get the card... but later found out ... I had to put the entire {$500.00} in the account before I get the card ... I later found out ... that I had an emergency bill I had to pay ... I asked them to close the account ... that I needed my money to pay a bill ... That was a week ago... I sent them an email... they emailed me back..and said they were going to deposit my money into my Bank account at XXXX that same day... and it would take a few days... I got back in touch with them again, and they said they had submitted the payment, that has been going on now for almost two weeks, and these people have not gave me my money yet. I believe they are trying to keep my account open, so they can go back into my account and get a payment of XXXX ... and report to the credit bureau that i am late to bring my credit score back down ... I have called them I don't know how many times ... I have held their phone at least an hour and no one comes to the phone..They just will not pick up their phones ... even if they give you a time... neither have anyone called me back and I have left my number for them to return my call and I have sent them emails and they still have my money and will not put my money back into my account.
06/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37128	Web
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report. I have placed multiple disputes and complaints, and police reports with these companies, but these companies continue to show neglect by refusing to remove the accounts. These companies are continuously unreasonably halting commerce and have damaged my relationship with other creditors and have hindered my ability to obtain certain licenses with the state. This is a recurring problem that needs to be rectified. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items. If the accounts are not removed a federal charge will be filled against the following companies " XXXXXXXX XXXX XXXX XXXX XXXX XXXX " SELF/INC LEAD ``. This charge may lead to a lawsuit. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXX https : //www.justice.gov/atr/citizen-complaint-center
06/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33162	Web
I am writing to bring to your attention the presence of a fraudulent XXXX credit card account and a rental property on my credit report. These unauthorized activities have been falsely associated with my name, and I kindly request their immediate removal from my credit history. Upon reviewing my credit report, I discovered that a XXXX credit card account has been opened under my name without my knowledge or consent. This account does not belong to me, and its presence inaccurately reflects my financial status. Additionally, I have found that a rental property has been rented using my name fraudulently. I have no affiliation with this property and it has been wrongfully associated with my credit profile. I urge you to conduct a thorough investigation into these fraudulent instances and take the necessary steps to remove them from my credit report. The inclusion of these fraudulent items is not only damaging my financial standing but also has the potential to hinder my future financial opportunities. Enclosed with this letter, you will find supporting documentation, including relevant police reports and any additional evidence to assist in your investigation. I am fully committed to cooperating and providing any further information or documentation required. I sincerely appreciate your immediate attention to this matter and request that you keep me informed of the progress and actions taken to address this issue. Thank you for your prompt assistance in rectifying this situation and ensuring the accuracy of my credit report. Sincerely, XXXX XXXX
10/04/2021	Yes	Money transfer, virtual currency, or money service Debt settlement	Fraud or scam	CO 80026	Web
This situation has caused me so much stress, especially during these hard time during covid-19 finding out my family member has covid and having trouble with the medical bills has impacted my life and when I signed up for the self secure credit card and put down a secure deposit to be able to help with my consumer credit score. I really believed that self lender had the consumer best interest in mind instead of there own selfish interest in this transaction. they closed the account with out allowing me to set up any type of payment arrangement and on top of that they are attempting to charge interest and fees during this time of hardship and this situation has caused even more distress on my mental and financial Self is suppose to mail back my deposit since they closed the account but didn't have any procedures to help me out with this situation at all. according to the FDCPA 15 usc 1692h : If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. According to the FDCPA a debt collector is whom regularly collects, or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due to another. Since I wasn't loaned any money Self is a debt collector and you are violating the FDCPA by not directing my payments in accordance to my direction. Self stated that they will not follow the law.
07/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 350XX	Web
I am reaching out to request the validation of a debt associated with an account. Additionally, I would like to explore the possibility of settling the account if validated while seeking an arrangement for the permanent deletion of the account from my credit report. I kindly request your assistance in providing the following information for debt validation : XXXX. Original creditor 's name and contact information. XXXX. Account number and date of debt inception. XXXX. Detailed breakdown of the claimed amount, including any interest or fees. XXXX. Supporting documentation demonstrating my liability for the debt. I kindly ask for your prompt support in providing this information within 30 days. To ensure fairness, I also request the suspension of any collection activities related to this debt until its validity is confirmed. Once the debt is validated, I am eager to discuss a settlement arrangement. Furthermore, I kindly request an agreement to permanently delete the account from my credit report upon successful settlement. This mutually beneficial arrangement would allow me to rebuild my credit history without the negative impact of this debt. I truly appreciate your understanding and cooperation in this matter. Please kindly reply to this email or arrange for an appropriate representative to contact me. I am available at the provided email address or phone number to discuss the next steps or provide any additional information required. Thank you for your attention, and I sincerely hope for your assistance in reaching a fair resolution.
11/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MN 55060	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. And In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX / amount {$1700.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX amount {$3500.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4300.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2800.00}, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX {$230.00} XXXX XXXX of XXXX XXXX XXXX # XXXX /amount {$3000.00} Account XXXX XXXX XXXX # XXXX /amount $ XXXX PAID OFF XXXX XXXX XXXX SELF FINANCIAL ) /amount {$720.00} =PAID OFF XXXX, XXXX, and XXXX have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
07/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 350XX	Web	Servicemember
I am reaching out to request the validation of a debt associated with an account. Additionally, I would like to explore the possibility of settling the account if validated while seeking an arrangement for the permanent deletion of the account from my credit report. I kindly request your assistance in providing the following information for debt validation : 1. Original creditor 's name and contact information. 2. Account number and date of debt inception. 3. Detailed breakdown of the claimed amount, including any interest or fees. 4. Supporting documentation demonstrating my liability for the debt. I kindly ask for your prompt support in providing this information within 30 days. To ensure fairness, I also request the suspension of any collection activities related to this debt until its validity is confirmed. Once the debt is validated, I am eager to discuss a settlement arrangement. Furthermore, I kindly request an agreement to permanently delete the account from my credit report upon successful settlement. This mutually beneficial arrangement would allow me to rebuild my credit history without the negative impact of this debt. I truly appreciate your understanding and cooperation in this matter. Please kindly reply to this email or arrange for an appropriate representative to contact me. I am available at the provided email address or phone number to discuss the next steps or provide any additional information required. Thank you for your attention, and I sincerely hope for your assistance in reaching a fair resolution.
02/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OK 73110	Web	Servicemember
In XX/XX/2022, I was informed that I was late on a payment for my credit builder account for the first time due to my payment not being processed. I was only told today that I had been delinquent from XXXX 2022 for payments of {$35.00} for a credit building service. The account was not helping my credit so in XXXX I cancelled the account on the phone, which the company said they had no record of today. I was also altered by email in XXXX that the account would be closed by Self for nonpayment when I made no changes other than cancelling. I cancelled the account and they kept charging me {$35.00} per month in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was told I needed to pay {$130.00} in late charges to get my account current today- XXXX months after I cancelled it. When I told them I refused to pay and cancelled my account again- they only then informed me that I did NOT in fact owe {$130.00} and that my account would no longer be reported on. The deception is criminal!! The real issue is that Self reported my payment on a XXXX XXXX account that was cancelled as not just XXXX but XXXX days late, this despite the fact there was money in the account to cover any payments " missed ''. Instead my credit building account is now severely damaging my ability to get a mortgage. I need this XXXX and XXXX late payment removed from my credit report immediately and a letter stating the debt is resolved without prejudice. I can not believe a service dedicated to helping credit would ever do so much to damage mine AFTER I CANCELLED the service!!
06/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	GA 30253	Web
Good Afternoon, I signed up for Self in XX/XX/XXXX and i have made every payment on time. My credit usage may be high at times because i am un employed yet i always get it back normal right on time. On XX/XX/XXXX I attempted to pay my monthly card bill which was attached to my Prepaid card but it failed because i had no funds on. I simply added funds in less that 2 mins and then paid. XX/XX/XXXX same thing I had money on my card but processed it with my bank. I simply voided it and paid it in less than 3 mins. On Wednesday XX/XX/XXXX at XXXX Eastern time, i received an email saying my account was in the process of being closed by XXXX XXXX and if i did not request closure to contact self credit builder as soon as possible. Now with receiving an email after hours there would be no way to reach them, so i made a claim and called the next day only to be told they would escalate and my account was already processed. On XX/XX/XXXX i receive an email which is dated XX/XX/XXXX and it's telling me that my account was closed due to suspicious activity. For transparency i have very if not any credit history and was building some by utilizing my card, my grip is this will almost absolutely hurt my credit and there is nothing i can do about it. I read that they normally do this if they feel your info has either been compromised or the account holder is engaging in fraudelant activity where in my case i've done neither. I'd really like some attention to this matter please because if this is what they do then this absolutely unfair.
07/29/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with customer service	CA 90002	Web
Credit company SELF INC offers to build credit I Signed up on XX/XX/XXXX Self credit building account Got approved for a loan in a amount of {$530.00} Pay it in 12 month agreement Promised to pay it back after the loan has been payed off XXXX monthly payment Link my bank account automatic payment XX/XX/XXXX SELF INC offered me a SELF CREDIT CARD accepted the credit card No issues with account access Credit limit increased by on time payment 2 accounts same company SELF BUILDING CREDIT SELF INC CREDIT CARD under my name. XX/XX/XXXX finished paying the loan XXXX Payed me only XXXX dollars WHY Original payment XXXX Credit card had a XXXX only XXXX dollars to use Payed it on XX/XX/XXXX automatic Have only the credit card credit limit is XXXX My credit reports reads that I have 2 % credit used MAIN ISSUES WHY IM COMPAINING Cant access my account online No chat or talk to someone over the phone Reguarding my account Automatic machine over the phone SOCIAL SECURITY NUMBER AND BIRTH DATE Email response 48hrs Need to update my phone number email password to access my account Automatic machine says my credit card is locked due for over limit XXXX Reused once the limit goes back to XXXX Due date XX/XX/XXXX of a minimum payment of XXXX weird XXXX available credit limit over limit XXXX minuium payment of XXXX dollars doesnt make any sense Cant do anything about it Reached out 4 times over the phone emailed them about the issue Asked me to contact them through my exciting email that they have on file security issues No luck Only this claim
04/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 11357	Web
I am replying back to your CFPB dispute response and am confused on how you state my account was reported 100 % accurate and true to all three credit bureaus where I have spotted multiple inaccuracies from my report multiple times even from the reports of the payments you sent me. I went to annual credit report as you advised and pulled my report which shows the date of last payment as being 100 % inaccurate. According to my original self account from the app, My last payment made on my credit card is XX/XX/XXXX. Yet from these XXXX XXXX statements i received from your company states two last payments on two separate reports and those dates are not even the same. For example on the XXXX report I received from you, my last two payments are listed as XX/XX/XXXX and XX/XX/XXXX. Which is impossible because my only payment made In XXXX of XXXX was the XXXX. Now on my XXXX report that I received from your company my last two payments are XX/XX/XXXX and THEN XX/XX/XXXX. Which is grossly inaccurate. Just off those two reports you sent to me I already pointed out two sets of inaccuracies. My one and only final payment was XX/XX/XXXX which is ONLY being reported correctly on XXXX which has NO second last payment date because a last payment can only be made once. Your company replied to my disputes TWICE through the CFPB as being 100 % accurate and true which I have pointed out from your own documents that you sent that this is a gross defamation of my character by continuing to report these inaccurate accounts to my report.
03/09/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 92234	Web
On XXXX XXXX I lost my self credit card various charges were made without my knowledge. I reported the card lost/stolen to the company when I made my monthly payment on XX/XX/XXXX. This I a card I don't use nor check very often however I did know I had an outstanding balance however it was not the amount that was being reported. The company issued me a credit and told me it was going to be taken care of. About a month later the credit was reverse and the company would not give me a reason as to why. The representative I spoke kept insisting this was a " back office issue '' however there was not way for me the owner of the account to get any further details. It was recommended I dispute the transaction once again. I did. I repeatedly did these step 4 time each time being met with sorry we just have to keep disputing it. No reason was ever given. And after not paying the balance of the unathorized transactions the company closed my account and posted the fund used to open this secured card as payment towards the past due balance. There was a remaining balance of XXXX dollars which has been accumulating late fee and intrest charges since then. Self lending has been reporting this closed account as delinquent for the last 3 month even though I have filed a dispute several times and they keep being rejected this has now affected my credit score they kept XXXX of then deposit and the keep calling me stating I need to pay off the balance even thought i informed them everytime those were fraudulent charges
09/21/2023	Yes	Payday loan, title loan, personal loan, or advance loan Other advances of future income	Issues with repayment	MA 02169	Web
Self randomly decided to cancel my credit builder account 2 weeks ago because they couldnt verify my identity even though Ive been a customer for years and my payment accounts have my name on it. The credit builder account is supposed to be a glorified savings account. Its paid out when the account closes. I asked where my deposit is and was told its under review but no one will tell me why. Or why my money, which was advertised as a savings account that gets sent right back to me after the contract ends, is suddenly being held ransom. And I dont understand why all of a sudden my identity is a question. My payment account was verified through XXXX and it has my name on it! I made my last 2 payments through the account its supposed to be sent to. They have enough information about my identity to take my money but not to give it back? And if they needed verification why was it an issue after they closed my account? Why did no one say anything to me before? Especially since Ive spoke to their agents numerous times before the account was closed. My money is supposed to go right back to me within 2 weeks. Not held for reasons no one will tell me. And as a customer there should be transparency, especially when dealing with money and credit. And judging by most recent reviews its a serious problem, with people complaining about not receiving their money back for months. So right off the bat theyre breaking the contract they advertised the business as. Its fraudulent and predatory behavior from Self Inc.
11/23/2020	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Banking errors	GA 30004	Web
From : XXXX XXXX Sent : Saturday, XX/XX/2020 XXXX XXXX To : Self XXXX Subject : questions for self about inquiries Will I still receive my credit card if my savings progress has unexpectedly gone down. I have attached below screenshots of my savings progress. Sun XX/XX/2020 XXXX XXXX : To receive the {$540.00} dollar plus cd interest after the 12 months can I upgrade to the 12-month plan? This is for cancelling my original plan. After contacting the major credit bureaus, they informed me of how my credit score could be impacted. Inside your account dashboard, your Savings Progress is the approximate " cash '' v alue of your Credit Builder Account if it were closed out today. This amount will fluctuate often as your account interest rate is compounding ( interest calculated on the initial principal which also includes all of the accumulated interest of previous periods of a deposit or loan ). While it may seem alarming to see your funds decreasing, your final payout, if the account is kept open until the original maturity date, will still equal the original loan amount if all payments are successfully submitted. Your funds are not 'disappearing ' they are applying appropriately to the interest amount. The formula for Savings Progress is : XXXX Principal ( loan amount with no interest ) - ( minus ) remaining loan principal - ( minus ) loan interest accrued to date ( minus ) outstanding fees ( if applicable ) - ( minus ) CD withdrawal fee ( if canceled early ) = Total Refund Amount
01/15/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	MO 63031	Web
This complaint is in reference to an email that I received on XX/XX/2021 stating that my credit card account will be terminated if a payment is not made. I must first start off by saying that is fraudulent. Pursuant to 15 U.S. Code 1602 ( j ), this card is supposed to be an open-end consumer credit plan, which leads to the billing errors ( see attachment labeled EXHIBIT B ) Pursuant to 15 U.S. Code 1666 ( b ) ( 1 ). This is false and misleading ( 15 U.S. Code 1692e ( 2 ) ( A ) ) being that the balance is reflecting in a positive amount ( see EXHIBIT A ) when in FACT it should reflect in a negative amount. The statement also states that there is a payment due, how can a payment be due in an open-end consumer credit plan? This constitutes as unauthorized use pursuant to 15 U.S. Code 1602 ( p ), if I use my card and have to pay it off, it serves me no benefit which means you are misusing my actual credit card ( SSN ). Again, that is false and misleading. I am a consumer and owe no allege debt. Also, pursuant to 15 U.S. Code 1637 ( a ) ( 1-3 ), you are required to give disclosures as to how your rates are calculated and not just a number. According to the statement labeled EXHIBIT A, there is an APR associated with my, Self visa card. This means that there is a finance charge associated with the card, which means a security deposit was fraud because pursuant to 15 U.S. Code 1605 ( a ), The finance charge does not include charges of a type payable in a comparable cash transaction.
10/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32308	Web
I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : Self Financial/Lead Bank Account ( XXXX ) # XXXX and XXXX ( Late date Both Accounts XX/XX/XXXX ) XXXX XXXX XXXX Account XXXX XXXX ( Late Date ( XXXX ) : XXXX XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX This Company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, The Law States ( b ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. These Consumer Reporting Agencies can not furnish any of these accounts because I Did Not give my written instructions. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; It is also an unfair act to report late payments inside their payment grace period most of the payments for XXXX XXXX XXXX was reported before grace period in the year of XXXX. XXXX XXXX & XXXX late charges It is illegal to report late payments without the person consent.
12/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 61032	Web
I had a XXXX balance on my Self credit card and have been a customer for over XXXX years with not a single missed payment. This card I rarely use as I qualify for better cards with better benefits. I kept it open only for reporting purposes as it's one of my oldest cards. To my surprise, I receive a notification from XXXX XXXX that Self has reported my credit card payment as late. This should have never happened as I should have a XXXX balance as I do not use this card! I immediately pay the balance ( even though this is 100 % FRAUD ) as I have worked extremely hard to raise my credit to an acceptable score and wanted this to stop reporting as a " late balance '' on my credit report. I immediately call them to report the fraud on three separate charges for the same company, for the exact same amount. They refund my money for these charges and stated they will need to suspend my card and send me a new one which I was perfectly fine with. They, however, refused to correct the late payment reported on my credit or allow me to speak with a supervisor. They promised they would have a supervisor call me back the next business day and of course, they never did. I just so happen to check the card last week and I have YET AGAIN, ANOTHER FRAUDULENT CHARGE from the same company on the same card that they said they suspended. This company lacks accountability for its mistakes and customer service is subpar at best. They should be embarrassed about the way they do business.
01/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 778XX	Web
Payment was due to Self Lender credit app, which I have auto payments activated and two forms of payment set up. Primary form was my bank account ( routing number and checking account number ), and the second form way my debit card directly linked to this bank/checking account. The auto paid amount declined, which I later realized it was due to my putting in the incorrect bank information, and my debit card ( my 2nd form of payment ) was never tried. It was immediately declared a missed or delinquent payment and dropped my credit score around XXXX points. Ive been building my credit score for years m, working very hard and had successfully went from a XXXX to a XXXX, which took over two years to get accomplish. Then with this one missed payment, which I manually had to pay upon swing the dramatic score drop and realizing something had gone terribly wrong, erased an entire years work of credit building. Im a single mom, who doesnt receive court ordered child support and I work full time. Im trying my best to get a home for my son and I. But now, I dont even qualify to have a conversation with lenders such as XXXX because my credit score is below their minimum of a XXXX. Had Self used my second form of payment when my first form declined, the payment would have gone through. Theyre supposed to help build your credit. Thats there XXXX. and entire purpose of existing. All theyve done is ruin mine. Please help. Ive disputed time and time and time again to no avail.
10/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55337	Web
Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to bring to your attention an erroneous reporting made by Self Inc to the credit bureaus, which has adversely affected my credit score. I discovered in XXXX that an account under my name with Self Inc had been reported with late payments, despite the fact that I did not open this account and had no knowledge of its existence until then. Upon discovering this, I immediately contacted Self Inc to request the closure of the fraudulent account. However, despite my request, the account remained active. Furthermore, when I asked Self Inc to provide verification that I had indeed opened the account, they failed to provide any useful information that could ascertain the legitimacy of the accounts opening. This incorrect reporting has not only impacted my credit score negatively but has also caused me a great deal of stress and inconvenience. I have taken steps to resolve this issue with Self Inc directly to no avail. Therefore, I am seeking the assistance of the CFPB to investigate this matter and to ensure the necessary corrections are made to my credit report promptly. I am willing to provide any further information or documentation required to support my case. Please feel free to contact me at ( your contact information ). I earnestly look forward to your prompt intervention to rectify this erroneous credit reporting. Thank you for your time and consideration.
09/17/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 21207	Web
the data that self financial incXXXX send out on XX/XX/2020 at XXXX est time zone my balance of ( {$250.00} ) when i look at my statement from login in on there website its different then what they are sending to u. now i know under the fair credit reporting act. this is a huge mistake on someone end either the billing e-oscar system going in loop and missing important data and skipping and missing stuff automatically, or e-oscar just been broken for 30 years. i have login in my account its very strange when you account tells you there no payment due or minimum balance due. we surely have a concern in the data system making errors or mistakes or just more errors then the system can handle. i spoke with self lender during the months of XXXX and XXXX and and XXXX and XXXX and XXXX and XXXX of 2020 during this cov-19 i ask the lady name XXXX, XXXX, XXXX, what are they doing to help there customers that had been effect with jobs lost/ and XXXX dollars to pay there account. self lender agent stated we don t care about our customers and that have been effective by cov-19 and they don t care about any ( executive order from the state of marylands residents ) Make a Credit Card Payment Credit card number : XXXX XXXX XXXX XXXX Remaining statement balance : {$170.00} Current balance : {$170.00} Payment due date : XX/XX/2020 Minimum payment due : {$0.00} Payment amount : Payment method : Add payment method Payment processing date : Immediate - ( XX/XX/2020 )
06/16/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	SC 296XX	Web
Despite my credit card account being closed as of XX/XX/2023, I have noticed that XXXX and XXXX continue to report this account as open on my credit report. This inaccurate reporting is misleading and can potentially harm my creditworthiness and financial standing. I have made efforts to address this issue with XXXX and XXXX and self-lending inc that's the credit card issuer, but the incorrect reporting persists. Requested Action : I kindly request the assistance of the Consumer Financial Protection Bureau in resolving this matter. I seek the following actions to be taken : 1. Conduct an investigation into the inaccurate reporting of my closed credit card account by XXXX and XXXX XXXX. Facilitate communication between myself, XXXX and XXXX, and XXXX XXXX r to ensure that the account status is updated promptly and accurately. 3. Enforce any applicable consumer protection laws or regulations that require accurate reporting of credit information. 4. Provide guidance and recommendations on how to rectify this issue and prevent similar inaccuracies from occurring in the future. I have attached copies of relevant documentation.. Please feel free to contact me at XXXX or XXXX if you require any additional information or documentation to support this complaint. I appreciate your attention to this matter and your commitment to ensuring fair and accurate credit reporting practices. Thank you for your assistance and dedication to consumer protection.
09/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77015	Web	Servicemember
In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have requested XXXX, XXXX, and XXXX to reinvestigate these accounts : SELF/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.
04/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76116	Web
I HAVE NEW AND UPDATED INFORMATION TO ADDRESS THIS COMPLAINT. THIS IS NOT A DUPLICATE COMPLAINT. In response to CFPB complaint case number XXXX, SELF FINANCIAL, INC. attached statements claiming that I have been late in making payments as of XX/XX/2020 through XX/XX/2020. These computerized statements have been modified and are false and misleading. The law is very clear when it states that billing statements must be authenticated if given as evidence. Unauthenticated computerized copies of billing statements does not validate any billing errors. In CFPB complaint case number XXXX, SELF FINANCIAL , INC. stated that I was only late on XX/XX/2020, XX/XX/2020, and XX/XX/2020. By this response, along with a copy of my credit report showing the inaccuracies from XXXX, XXXX, and XXXX that's attached to this complaint, is proof that SELF FINANCIAL, INC. is indulging in unlawful extortionate means with forethought and malice to continue bringing harm to me and my financial reputation. I'm well aware that the information provided in my consumer report must report with maximum accuracy pursuant to 15 USC 1681e ( b ) and the copy of my credit report that's attached does not show that. I have even provided SELF FINANCIAL, INC. their statement, in CFPB complaint case number XXXX, that they've provided to me that they claimed to have sent to the credit reporting agencies for a deletion of all late payments and it still remains on my consumer report.
02/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33025	Web
Self.inc/ LEAD Bank representatives have not communicated the proper information, contradicted there company statements and have caused actual damages to my person because of such actions. In efforts to resolve this situation, Self continues to verify illegitimate information after speaking with representatives via phone. Self is reporting a closed account with a remaining balance even after paying the amount due in full. Not only have I paid my account in full my security deposit was never put towards the balance even after there website and agreement states that it will. There website states " After you finish your Credit Builder Account, ( which I have ) you will receive a payout of your remaining balance, minus the funds used to secure the deposit on your Self Visa Credit Card and any outstanding fees or interest. '' The security de posit of {$100.00} should ensure that I have no remaining balance. Instead my account is being reported closed with a balance of {$110.00} even after paying an additional {$110.00} making a total of {$200.00} they have received from me. There website states " Any remaining funds not used to secure your deposit will be returned to you once you finish your Credit Builder Account. '' Meaning my security deposit was never put towards my remaining balance. Self representatives have done a horrible job in relaying the companies policy and resolving the issue which in turn has affected me drastically.
02/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	PA 195XX	Web
I recently disputed a late payment added to my credit file with self financial, inc. I explained to them that my hours were reduced due to COVID-19 restrictions and I've been struggling with my debts but I manage to make the payment on the due date but didn't realize I was 30 days late for 1 payment. So I called Self and told them about the situation and said they couldn't do anything about it even when I explained that I only work 10 hours a week due to COVID-19 restriction and told me to send a goodwill letter to see if they can help me but at the end they denied it and I know that under the CARES ACT if I told them about the situation they can not report me late to the bureaus or help me. I went into this company believing that if one day this would happen they would understand my circumstance since they're suppose to help people who had bad credit history. I been paying on time and I really thought I didn't miss the mark but being at a job only working 10 hours and sustaining my kids mostly by myself and dealing with COVID-19 is a major stress factor and just knowing I worked my XXXX off to maintain my credit intact for almost 3 years the only thing I have clean only for them to not to give me a hand with this especially during these horrible depressing time. I'm really hurt that SELF financial couldn't understand my situation and this has really affected me mentally and physically especially with what I'm going thru right now.
07/06/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	TX 75503	Web
I opened a credit builder account with Self. I was making payments on an installment loan for 9 months and I decided to pay the loan off earlier than the payoff date. I was willing to pay the balance in order to receive the sum. I paid the final balance off and was waiting on the payoff to be processed when I received an email stating that they needed to verify some information before they could continue processing my payoff. They asked for a bank statement, my social security number, my drivers license, and a picture of my holding up my drivers license. I sent in the documents and they said that they couldn't take my documents because my license was expired. I called multiple times to speak to a supervisor to explain why my current situation didn't allow me to renew my license and all they could tell me was that until I sent in the " correct documents ', I wouldn't be able to get my money. I also have a secured credit card with them and I asked the supervisor if I wouldnt have to make a payment on my credit card either because they were waiting to verify my information and he told me that I would still be responsible for making the payments on the credit card account but I wouldnt be able to use the card or have access to my money from the installment loan until I turned in the documents. I didn't have to present any documentation when I opened the accounts and I was never asked for any other paperwork while I had the accounts.
05/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 317XX	Web
I paid this account off and asked numerous of times for it to be closed its still showing on my credit profile Ive reached out to customer service plenty of times they advised me to pay the balance of {$20.00} which I did not make but paid it for it to be deleted as due to fraud its still showing on my credit Open Account XXXX XXXX XXXX This account may be hurting your score Account Details Status Open Date Opened XXXX Last Payment -- Balance {$20.00} Limit -- Date Closed -- Monthly Payment {$20.00} Worst Status Late 60 Days Responsibility Individual Account Number XXXX Late Count 1 30 / 60 / 90 Days Late XXXX Date Reported XXXX Remarks -- Amount Past Due {$20.00} High Balance {$20.00} Terms -- Account Type Secured credit card Late Dates XXXX ( XXXX ) Derogatory Date Opened XXXX Last Payment XXXX Balance {$0.00} Limit -- Date Closed XXXX Monthly Payment -- XXXX XXXXXXXX XXXX XXXX Worst Status Current Responsibility Individual Account Number XXXX Late Count -- 30 / 60 / 90 Days Late -- Date Reported XXXX Remarks Account paid from collateral Amount Past Due No Info High Balance {$120.00} Terms 12 Account Type Secured loan XXXX - XXXX Status Closed Date Opened XXXX Last Payment XXXX Balance {$0.00} Limit -- Date Closed XXXX Monthly Payment -- Worst Status Late 60 Days Responsibility Individual Account Number XXXX Late Count 1 30 / 60 / 90 Days Late XXXX Date Reported XXXX Remarks Closed Amount Past Due No Info High Balance
11/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10310	Web
I just recently tried to download a app & the app was to build credit. Its called Self. Now I downloaded this because I can not for some odd reason download or sign up for XXXX wont allow me. So I figured I try out Self and tried to be responsible to build my credit as they say credit scores are pretty important. Theres apparently information that popped up when I typed in my last 4 SS # s. It states that in 2019 I took out a mortgage claim. Ironically I got a phone call around that time stating some bizarre claims but one of them was that my information has been compromised and it was some sort of bureau agency reaching out to me that if I dont state if it was me or not Im liable to charges or some sorts. I thought it was a all a prank call or some scammers but the odd part was they legitimately did have some sorts of my information which had me debating the legitimacy in all this. I ignored what they was saying after a while and believed it to be people doing fraudulent activities which I wanted no part in so I hung up. Now Im seeing theres a mortgage claim around the same time I got that weird phone call. And it says a different number hooked up to the account which isnt mine. I had the same phone number for about 20 years now maybe lol. No way its a mistake. None of that information is me is this why I cant open a XXXX account or a XXXX card? Help I need to start building credit asap not tomorrow like yesterday
03/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 490XX	Web
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the self-lender account that has been reported on my credit report. The account in question has already been discharged, and I have attached a 1099-c form as proof. I am concerned because, as per the Fair Credit Reporting Act ( FCRA ), all credit reporting agencies should ensure that the information they report is accurate, complete, and up-to-date. However, in my case, the self-lender account that has already been discharged is st ill being reported on my credit report. This inaccurate reporting has negatively impacted my credit score and prevented me from obtaining credit. As an ordinary consumer, I rely heavily on my credit score to obtain loans, credit, and even employment. The inaccurate reporting on my credit report has made it difficult for me to achieve my financial goals. Moreover, according to the IRS regulations, a 1099-c form should be filed when a debt has been discharged. I have attached this form as proof of the discharge of the self-lender account in question. Therefore, I request that the reporting of this account on my credit report be immediately removed to ensure that my credit report accurately reflects my current financial situation. I believe that this will help me to achieve my financial goals and prevent any further harm to my credit score. Thank you for your attention to this matter.
06/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 390XX	Web
On XX/XX/XXXX I received an alert that XXXX had performed a hard inquiry on my credit account, I do not know who these people are or what this company does or how they got all my personal info. I attempted to contact this company, their phone lines aren't monitered. I emailed them and they claimed they were owned by Self. I then contacted Self Via phone and email, their phone reps said it was a mistake made by XXXX, and it was not their fault at all. THEN I contacted XXXX Via phone and XXXX, their XXXX rep confessed it was their fault, however their phone rep claims it was XXXX. So at this point I was very confused, everyone admitted it was a large mistake, they just didn't want to accept blame. I started to do some research, apparently this happened to a LOT of people. By this point Self and XXXX hae thid posted on their XXXX page about this, you can check them out for a better idea of how many peopls mistake affected. Today, XX/XX/XXXX XXXX has admitted fault and claims it will be removed from my account ASAP, but no one would ever tell me what they were doing with my personal information, and how they intended to use it. I understand to them it may have been a mistake, but this is my life they are playing with, Self claims it will take weeks even IF they remove it for it to fall off my account, and there's no guarantee that my credit score will recover after this is fixed. Please look into this. Thanks
05/20/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Overcharged for something you did purchase with the card	NM 87002	Web
A while ago I found an app called self inc it is a credit building credit repair through secured loans and secured credit cards I should have done a little bit more research and read some reviews before I actually signed up for it but I was super excited to try to fix my credit I have been using them since XX/XX/2020 finally got the credit card 2 months ago I have paid in over {$1000.00} on the secured loan and have kept my credit card payments up and full the secured loan is for XXXX and the credit card has a {$250.00} Max limit this company has no customer service phones no way to get a hold of them if you have any issues I have had multiple issues a few types and they have been unresolved due to the fact that I can't get a hold of them I have emailed them a few times and they do not respond they have charged me for things on my credit card and I've got them refunded but they do not reflect the refund amount so I'm pretty much double paying for things and I do not have screenshots as I just realized this was happening. The math didn't add up my total money that I've paid is actually going down every day like they're taking money out of my secured loan account I'm not sure what to do or even if I'm in the right place but I really do need help resolving the situation because I feel like they're going to try to steal all that money for me they're already making it very difficult for me to get my money back
09/23/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	TX 77045	Web
Hello, my name is XXXX XXXX XXXX I have recently checked my credit reports and found that XXXX XXXX/Self Lender is reporting 2 accounts ( XXXX & XXXX ) to all 3 Credit Reporting Agencies ( XXXX XXXX XXXX, XXXX ) in my name. This is not an acknowledgement of debt. According to the Fair Credit Reporting Act, only correct and accurate information may be reported on my credit report. After reviewing my credit reports, I am finding many incorrect items being reported, including but not limited to the following discrepancies : 1. The date opened reported by the CRAs are incorrect. They are also reporting different dates to different credit reporting agencies. 2. The payment history is incomplete, inaccurate, and reporting different information to each of the three reporting agencies. XXXX. The Dates of last payment are inaccurate as they are reporting different dates to different credit reporting agencies. As these and other things are being reported incorrectly on the report, I request that you immediately cease reporting of these accounts until the completion of a thorough and complete investigation and validation of this information. If you are unable to furnish all correct dates and information, I respectfully request that you cease reporting and Delete these two accounts from my credit reports with all XXXX credit reporting agencies ( XXXX, XXXX, and XXXX ). Thank you for your time, XXXX XXXX XXXX
08/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 322XX	Web
To Whom It May Concern at XXXX, XXXX XXXX XXXX. I am writing to urgently address a critical matter regarding inaccurate information on my credit report. The incorrect reporting has had significant negative consequences on my reputation, financial well-being, and ability to secure credit for personal and housing needs. As mandated by law, those responsible for furnishing information to consumer reporting agencies are obligated to ensure its accuracy. The information you have reported is unquestionably inaccurate, causing real harm to both me and my family. I called Self Lender on XXXX to explain my credit report isn't updated and its holding me back from closing on my 1st home. The rep stated that my account was closed due to non payments. I proceed by saying that's not accurate I paid this account off. The rep went on by saying the last time they reported to all 3 agencies was on XXXX and its accurate, which didn't make any sense to me whatsoever. I went ahead and read my ( Paid ) report to him which was the following ... ALSO ATTACHED A PHOTO XXXX Account Stats : Derogatory ( Last Reported XXXX XXXX XXXX Account Status : Paid ( Last Reported XXXX ) XXXX Account Status : Paid ( Last Reported XXXX ) ALSO MY XXXX SHOWS ALL GREEN AS PAYMENTS XXXX Payment Status : Current ( Last Reported XXXX ) XXXX Payment Status : Late 60 Days ( Last Reported XXXX ) XXXX Payment Status : Current ( Last Reported XXXX )
02/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33610	Web
There was a secured credit card with SELF FINANCIALXXXX XXXX which I opened XX/XX/XXXX. The account number in reference is XXXX. There are several discrepancies being reported to each of the XXXX credit reporting agencies. The first discrepancy is that when I initially opened this account ( XXXX XXXX ), I only placed a {$100.00} security deposit for the secured credit card account. This does reflect my statement with the account being reported with a {$100.00} credit limit to the credit reporting agencies. The next discrepancy is that the account only has ever had a high balance of {$110.00} which exceeds the credit limit of {$100.00} applied to the secured card as a deposit and final payment should the account be closed. SELF FINANCIALXXXXXXXX XXXX reports that this account is in a charge off status as of XX/XX/XXXX with a past due amount of {$61.00}. If the past due amount is {$61.00} and the only highest amount is {$110.00} that the account has ever been then this would settle the account in full. I also received a notification via e-mail in XXXX stating that my account had been closed and SELF FINANCIALXXXX XXXX would direct deposit {$75.00} due to closure. I received the {$75.00} then I have this account reflecting as a charge off on my account. There are obviously several discrepancies that are carelessly being reported to the credit reporting agencies based on this information.
09/14/2023	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Privacy issues	FL XXXXX	Web
I am filing a consumer complaint against Self Financial Inc. ( " SELF '' ) concerning violations of my privacy rights under the Graham-Leach-Bliley Act ( " GLBA '' ). In XX/XX/XXXX, I entered into a cardholder agreement with SELF FINANCIAL INC . The cardholder terms did not include any GLBA-mandated notice or opportunity for me to opt-out of SELF sharing my personal financial information with unaffiliated third parties. In XX/XX/XXXX, upon learning SELF was sharing my information without consent, I sent written notice revoking any purported consent and expressly instructing SELF to stop disclosing my personal financial data to third parties. SELF acknowledged my notice but has continued the unauthorized disclosures. SELF is sharing and allowing access to my loan information, account history, and transaction data with credit bureaus, and other service providers without my knowledge or consent as required by GLBA Sections 502-503. SELF refuses to comply with GLBA privacy requirements and honor my opt-out rights. I am very concerned about the impacts unauthorized sharing of my information could have. SELF 's willful GLBA violations and negligent handling of my personal financial information cause me financial harm, distress, and has defamed my character. I formally request the CFPB use its enforcement authority under GLBA to investigate Self Financial and stop these unfair privacy practices.
02/15/2022	No	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	PA XXXXX	Web
A charge made to my card in the amount of {$84.00} by XXXX on XX/XX/XXXX, which posted on XX/XX/XXXX, was refunded by the merchant on XX/XX/XXXX. The refund did not post to my account. I contacted XXXX to investigate the missing refund on XX/XX/XXXX. XXXX took 42 days to reply by letter on XX/XX/XXXX, saying that the charge was valid and was not refunded by the merchant. On XX/XX/XXXX, I sent by fax and certified first-class mail a letter contesting their conclusion, including a copy of the email from XXXX which confirmed the refund was issued. I wrote, in part, " I request a full written explanation of how you resolved to assert the merchant did not issue a refund, that the charge is valid and that no error had occurred in this instance. I also request copies of any and all documentation you have, whether used in your decision making process or not, regarding this case be mailed to my address. Finally, I request the contact information of the card processing bank ( the merchant bank ) used by XXXX so I may request documentation from them independently. Your resolution to this case is incorrect and I respectfully ask for you to review the matter again ... As your last time to reply was 42 days, and as this matter is of utmost urgency, I require a written response within 10 working days. '' As of XX/XX/XXXX, no response has been received, nor has a credit been issued for the absent refund.
05/21/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	MD 216XX	Web
On XXXX XXXX a unauthorized Purchase from XXXX XXXX XXXX was made through my Self Lender Credit card. I did not approve or acknowledge these charges. I disputed the Charges immediately after i saw the purchases to self lender over the phone. For two months i was hospitalized and was sent a letter from self lender stating the companies have disputed these transaction was accurate and with evidence stating the items was shipped to my home. Which is a not a valuable proof and these items was never sent to my home. The letter also stated i had a certain time frame to respond to this letter to dispute the company 's claims. i did not open or view these letters until i got home two months after being hospitalized. so it was past the time frame to dispute my claim. I sent the dispute in anyways along with stating i was hospitalized and was unable to respond in a timely manner because i was not home to receive my mail. Federal consumer law states no consumer should be held liable or responsible for fraudulent charges. after sending in my response for the claim. i received a letter that my case was closed and I have been held responsible for these charges because i did not respond in time and the companies sent proof via shipping stating packages was delivered. Because of this it is affecting my consumer credit report due to my my credit over 30 % usuage which has stopped me from receiving credit.
07/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or misleading advertising or marketing	GA 310XX	Web	Servicemember
On XX/XX/2023 I started a new self credit building account with Self. A {$3000.00} self building account with a {$150.00} payment monthly and {$1.00} to start. At the end of the term, Id save {$2900.00}. Seems like a great deal at the time. First payment was {$9.00}, I contacted them and stated that was not was advertised and the fact that I had already started the account, I was bonded by obligations. Second payment was supposed to come out my account ; which the never even attempted to take out according to my bank. I realized it was a ploy to falsely charge me more. I proceeded to make the payment anyways using the save account on file. Third payment, which was due on XX/XX/2023. Again, the money is there, I contacted my bank ahead of time to ensure that thered be no hiccup. Once again, self did the exact same thing. Now despite the fact, {$150.00} has been made.theres only {$37.00} to date of saving. At a rate like that Id be lucky if theres a {$900.00} save at the end of the term ; which they advertised youd save {$2900.00}. Please help ; this is extremely frustrating. Ive been homeless and desperately trying to build my credit to purchase my own home and these companies are deliberately hurting the public. It doesnt matter what time of day you call, theres never a live person to take your call. In the chat, they keep sending to an article as opposed to addressing the issue at hand.
08/01/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	CA 926XX	Web
My account was opened on XX/XX/XXXX. The Automated Clearing House ( ACH ) payments, on several occasions, incorrectly failed although my bank account had sufficient funds. After it happened several times I reached out to their customer service representatives and was told that such was possible according to a chat interaction I had with one of their employees named " XXXX XXXX '' on XX/XX/XXXX, whereby it was claimed that such had " happened a lot recently. '' I have the chat transcript whereby this was attested if need be. I did my best to make the payments on time, I even made my automatic bill payment date on the first, which is the day that I am paid, to ensure that there would always be enough money for them to withdraw. However, I suppose I put too much trust into their ACH system and they gave me a late payment mark on the date of XX/XX/XXXX. I filed a Goodwill Request in XX/XX/XXXX which the company declined and I opened a dispute with XXXX in XX/XX/XXXX to no avail. It's very frustrating that I did everything in my power to ensure I paid on time, including signing up for the ACH payments, but their system failed and yet I have to live with this on my credit report for seven years. It seems a point of pride on their part that they don't want to admit that their system failed and caused this. I wish they would swallow their pride and allow me to recover from their mistakes.
07/06/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	NJ 07203	Web
Self.inc is a scam when its time to pay you your payout they start to give you a hard time to receive all the money youve been paying them thinking your saving your money and building your credit but no there just stealing your money and reporting your own time payments. I have had this account for over a year my payout was almost done but things took. A a scary turn when I decided to close my account early and receive my payout. Everything went smooth with closing the account and was told I would receive a payout in 14-15 days. As time went on I was supposed to receive a payout instead I got an email to verify my personal information that they had on file since I opened the account. They tried to use this as a reason to deny me my payout. Instead of them just returning the money to the same account I made the payments from they decided to try and find away to not issue my payment. I talked with the company and they pretty much said they have no time frame now for me to receive my money. Which is mine blowing because I never had a problem paying them my money and they was taking it but now I want it back and it seems impossible. They even closed the account out already which is making a negative report on my credit report but that sucks because now they messed up my credit and wont give me my money back that they promise to you in the beginning of the loan and secured card account
12/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 276XX	Web
XXXX- Account # XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Balance Owed- {$180.00}, {$180.00}, {$180.00} ( XXXX, XXXX, XXXX XXXX XXXX- Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Balance Owed- {$2800.00}, {$2800.00}, {$2800.00} ( XXXX, XXXX, XXXX ) XXXX XXXX XXXX- Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Balance Owed- {$560.00}, {$560.00}, {$560.00} ( XXXX, XXXX, XXXX ) XXXX XXXX XXXX- Account # XXXX, XXXX XXXX XXXX Balance Owed {$4200.00}, ( XXXX ONLY ) XXXX- Account # XXXX, Date Opened XX/XX/XXXX, Balance Owed {$220.00}, XXXX XXXX ONLY XXXX XXXX Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Balance Owed {$130.00}, {$130.00}, {$130.00}, ( XXXX, XXXX, XXXX ) XXXX XXXX XXXX- Account # XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX Balance Owed {$0.00}, {$0.00}, ( XXXX and XXXX ) XXXX- Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Balance Owed {$410.00}, {$410.00} XXXX {$410.00}, ( XXXX, XXXX, XXXX ) XXXX XXXX XXXX- Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Balance Owed {$0.00}, {$0.00}, {$0.00}, ( XXXX, XXXX, XXXX ) I have sent in FTC report, police report and have sent in proof of my information confirming that the alleged debt isn't mine nor did I give anyone authorization to use my personal info.
04/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 93725	Web
PLEASE DO NOT CANCEL THIS COMPLAINT, AS A DUPLICATE. BECAUSE IT IS NOT A DUPLICATE COMPLAINT. This is MY RESPONSE COMPLAINT regarding " CFPB '' Complaint Case # XXXX that SELF LENDER has responded to. PLEASE DO NOT CANCEL THIS COMPLAINT .... I have Submitted a Brand New Letter Request and 2nd Request for Self Lender. This Complaint is my response to SELF LENDER 's Response. 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report. ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. SELF LENDER IS willfully reporting Incorrect Information on my Consumer Report.
02/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or missing disclosures	VA 23669	Web
They lied and said they don't see them debiting money out of my checking account on the XXXX of every month. There was an unauthorized charge came through my checking account and the bank had to close my account. This unauthorized charge took 50 % of my whole check so my bank had to close my debit card. I did not know they closed my debit card. Because I agreed to have them to draft the money on the XXXX. I went to the bank an got a new debit card. I put my new debit card as soon as I got it in the SELF dashboard. So they had my new debit card on the XXXX and my agreed upon payment was paid on. The XXXX on time. Meanwhile they went into my debit card on the XXXX a couple of times and they dropped my credit score by 70 % and they got there money on time. I was never left and they got my new debit before the XXXX on time and there were suppose to have a grace period before they mess with your credit. The agreement was them taking the money from my account on the XXXX not before. I paid them on time and my credit dropped by 70 %. I cancelled my SELF credit builder account and I asked why did they went into my checking account before the XXXX and all they kept doing was lie and they got mad because their attempt failed on XX/XX/XXXX did not go through and they lied about them drafted money from my checking account. I done nothing wrong so I closed my credit builder.
10/27/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Delay in processing application	MD 20814	Web
I opened a credit builder account with the Self Lending website in XX/XX/2020 which states that after paying {$25.00} a month I would be able to build a credit history though a " loan '' and apply for their secured card. The requirements defined on their website to apply for the secured card is 1 ) a Self account, 2 ) {$100.00} in savings progress ; 3 ) three on-time payments - all of which I met. Supposedly, credit score is not a factor in eligibility in this program. I have met all the requirements but when I inquired why I could not apply I was told that I still owed XXXX cents to bring my savings progress balance to {$100.00}. On a second inquiry I was told there was a complicated calculation for determining " savings progress '' and that my savings balance as " decreased. '' This was what I was told in a live chat with one of their representatives : " Inside your account dashboard, your Savings Progress is the approximate " cash '' value of your Credit Builder Account if it were closed out today. This amount will fluctuate often as your account interest rate is compounding ( interest calculated on the initial principal which also includes all of the accumulated interest of previous periods of a deposit or loan ). '' Clearly on the dashboard for the account, it says I meet all the requirements to apply for the card. It does not say " approximate cash value. ''
04/19/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	GA 30319	Web
According to my consumer report I received dated XX/XX/2022, I noticed TWO discrepancies in the way you are furnishing my information. If you have not been made aware, there are various federal laws in place to protect me as a consumer and to construct this consumer credit transaction. As a gentle reminder, you CAN NOT report/treat a payment on an open-ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). According to 15 USC 1666 ( B ) if you adopted such reasonable procedures your company is required to mail or deliver a span of documents ( negative information notice ) no later than 21 days before the payment due date. As of today, XX/XX/2022, I have not received such documents that would allow your company to display TWO late payments to my consumer report. If your company has sent me such documents please provide documentary evidence that you did such as a tracking number and a wet signature from a return receipt that you sent to me. Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listing you have listed on my consumer report. As I, XXXX XXXX have contacted Self Lender, the corresponding information should not be listed on my consumer report. This account should PROMPTLY be updated as ON TIME.
10/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Was not notified of investigation status or results	GA 300XX	Web
I REQUESTED ON XX/XX/23 I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. I REQUESTED ON XX/XX/23 I previously disputed this account stating : " I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. I REQUESTED ON XX/XX/23 I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. Please remove this account because the creditor failed to notify consumer of dispute and did not update that they actually performed and investigation. Please remove this account immediately .CREDITOR DID NOT UPDATE MY ACCOUNT THAT A PROPER investigation WAS MADE. THE COMMENT SECTION ON MY CREDIT REPORT AS OF XX/XX/23 HAS NOT UDATED SINCE MY FIRST DISPUTE ON XXXX PAYMENT STATUS IS LATE 60 DAY AND THE ACCOUNT IS PAID AND CURRENT. UPDATE TO PAYMENT NEVER LATE OR REMOVE FROM MY CREDIT REPORT FOR FAILURE TO COMPLETE AN investigation ON MY ACOUNT
10/02/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CO 80017	Web
There is a credit card company that offers many financial products called Self INC. I have been using their credit card for XXXX years building credit. I noticed around XXXX some company named XXXX charging my card a huge amount of money over XXXX dollars a month. I notified Self to send me a new card immediately and to change my card number back in XXXX. They did send me a new card and number but refused to follow up with investigation. I noticed this fraud company had access to my new card information ( which I have no clue how ) and charged me in XXXX. I Immediately let Self know through their email portal and to send me a new card. XXXX XXXX was the same this company charged me again. Self is refusing to investigate fraud, and I believe someone at that corporation is giving my information illegally to fraud companies to do random charges. So far I am at a lose up to XXXX dollars that might never be returned. I had a lot of trust in Self but they have refused to fix the issue or help in the matter. I want this account closed immediately and they should have done so long ago. Since this account is a Secured account I am at a lose. Self also failed to launch an investigation nor did they follow up with the decision. I have lost my trust and faith in this company and believe they are also predatory by how they do not keep consumers safe from fraud.
11/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 08638	Web
Default and Opportunity to Cure To whom it may concern This is in reference to your financial institution response to my CFPB complaint XXXX Be advised that my complaint was not a request for verification or validation of the Consumer Credit Transaction which will be constituting a dispute. I respectfully requested your financial institution to Cease and Desist the sharing of my nonpublic personal information to nonaffiliated third parties, XXXX, XXXX, and XXXX. pursuant to 15 USC 6809 ( 4 ) and 15 USC 6809 ( 5 ). 15 USC 6801 - Protection of nonpublic personal information. 15 USC 6801 ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. I submitted my complaint on XX/XX/2022 through the Consumer Financial Protection Bureau, because of the unfair, and deceptive practices that SELF FINANCIAL use against Consumers like myself. The provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
05/06/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	IL 603XX	Web
XXXX LA HAS IGNORED MY RIGHT AS A CONSUMER TO EXERCISE MY RIGHT TO OPT-OUT OF ANY AND ALL SHARING OF MY INFORMATION. I HAVE SENT THEM THE LAWS THAT ALLOWS ME AS A CONSUMER WHICH ARE ; 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 2 ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. MY STATEMENT THAT I SENT TO THEM WAS THIS ; Per ; the FCRA as a FEDERALLY PROTECTED CONSUMER, I am now OPTING-OUT of any and ALL AUTHORIZATION, I the CONSUMER may have given you, WRITTEN, UNWRITTEN, VERBAL, and NON-VERBAL, PER ; 15 US CODE 6802. Effective Immediately! ( FYI : PRIVACY ACT OF 1974 )
06/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	AL 366XX	Web
Creditor Name SELF FINANCIAL/LEAD BA Account number XXXX Date opened XX/XX/2019 15 U.S. Code 1666 - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit that was not made to the obligor or, if made, was not in the amount reflected on such a statement. ( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. ( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. ( 4 ) The creditors failure to reflect properly on a statement of a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau.
09/28/2023	Yes	Credit card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	NJ 070XX	Web
PAY FOR DELETE REQUEST XXXX XXXX XXXX XXXX XXXX XXXX, NJ,XXXX Date : XX/XX/2023 RE : IN REGARDS TO THE FOLLOWING ACCOUNT Account Number : Original Creditor : Self/Lead Bank Amount Listed : {$96.00} Dear XX/XX/2023, I, XXXX XXXX, am writing this letter to offer your credit department the one-time offer to settle the alleged amount due for {$96.00}. Please note that while I am offering this amount of money to settle the debt, this is not my acknowledgment of its liability. However, as I do disagree with the total amount owed I am willing to agree to settle this debt as a show of goodwill under the following circumstances : Report to all credit agencies that this debt has been paid-in-full or the equivalent best-case scenario to XXXX, XXXX, and XXXX XXXX Payment will be made to satisfy the payment made in-full under the Account ; This debt will be deleted from your records ; and There will be no mention of this debt or settlement to any third ( 3rd ) parties. If the above-mentioned items are able to be met I am willing to make payment on this debt immediately. I will only answer to an individual who is an official representative of this Company with the terms of this offer expiring at the end of thirty ( 30 ) days. Feel free to contact me through one of the following : E-Mail : XXXX Phone : ( XXXX ) XXXX XXXX Sincerely, XXXX XXXX
01/31/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75040	Web
On XX/XX/2021 I sent a validation letter to XXXX, XXXX, and XXXX regarding some inaccuracies that are reporting in my credit report ( attached below ). I exercise my right to request all three bureaus to provide me with verifiable proof that the negative items reporting on the accounts listed below belong to me or they have to remove those immediately. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through physical verification of the alleged original signed consumer contract to prove those accounts belong to me and that whatever they report on my credit report has to be 100 % accurate. On XX/XX/XXXX, I received a letter back from XXXX stated that they verified those accounts as accurate which is false and misleading which is a violation of my consumer rights. How can they verify it to be accurate if you can see the invalid inconsistencies in plain site ( shown below ) As for XXXX and XXXX it's been well over 30 days and I never received any investigation results In regards to the late payments that were reported, that is 100 % false because I paid those accounts on time, but to my understanding late payments shouldn't even be reported due to the COVID Forbearance Act. Not to mention I also have hard inquiries reporting on my account that don't belong to me.
06/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94024	Web
A fraudulent account/ loan has been opened at XXXX/ Atlantic capital bank with my name on XX/XX/XXXX. late payments were made to this account which resulted in a dramatic drop in my credit score. After checking my credit score and identifying the fraudulent account, I reported the error to XXXX on XX/XX/XXXX informing them of the Identity theft. I also filed an FTC complaint on XX/XX/XXXX. I sent copies of the FTC report, my drivers license and utility bill to XXXX I also filed a police complaint with the XXXX XXXX police department on XX/XX/XXXX. i was advised to contact XXXX Atlantic capital bank to resolve the issue. The bank was very uncooperative. The agents say that someone who is responsible would call/ email us within a day or two but no one contacts us. This has happened several times over the last month. The bank has continued to report the fraudulent account to credit reporting agencies while refusing to provide me with any information pertaining to this account. They have sent no correspondence to me regarding this error despite several attempts by us to contact them and resolve the issue. they have also not run any credit checks prior to opening the account/ issuing the loan to fraudulent parties. I have not received any correspondence from the bank over the last 9 months since they opened the fraudulent account.
11/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29418	Web
Greetings I XXXX XXXX am contacting you regarding my self lender credit card account. I am coming in good faith good conscience and good reason in order to settle this matter as peacefully as possible I recently reviewed my consumer report and realized that there were some inaccuracies in your reporting it appears that your company is reporting a late payment on my account from XX/XX/2021. This negative reporting is violating my rights as a consumer violating my right to privacy and has been damaging to my reputation. Under title 15 Usc 1692 this is false and deceptive means of collecting a debt as well as unfair debt collection practices. I enjoy your services and by the grace of god I am requesting that this account reporting be updated to paid as agreed and the late payment be removed so that my god given right will no longer be violated so that I may continue on my journey of self determination and the pursuit of happiness. please provide me with an updated report stating that these adjustments have been made to the reporting on my account. Noncompliance and negligence will not be tolerated, violation of my consumer rights will not be tolerated please provide me with the proper information on. how to contact your legal department for all future occurrences that may occur The Account number is XXXX my phone number is XXXX
08/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30341	Web
File a Complaint against Self Financial , Inc. : submission succeeded Thank you. Your complaint has been submitted. Your complaint case number is XXXX. If you provided an email address, you will receive an email with a link to your case within approximately 48 hours. You may click here to print a copy for your records. XXXX acts as an impartial third party between you and the business in an effort to resolve your complaint. Feedback from consumers is vital to XXXX. We appreciate your willingness to report this information to us. We look forward to helping you and the business work toward a resolution. I filed a complaint to Self with the XXXX since on my XXXX report and is not reporting correctly for my XXXX XXXX Credit Card and is impacting my credit score lower than what it should reflect. I stated please provide XXXX the updated XXXX Credit Card limit along with credit usage. Attached is the incorrect reporting to XXXX. Account XXXX I need someone to contact me from SELF. XX/XX/2022 XXXX XXXX I received a Notice of Adverse Action My account was closed for no reason stating Description of Action Taken : Termination Account closed - unable to verify customer information. I have not been asked verify my account all my information is correct. I have been making excellent payment history on time never have been late.
02/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MA 02122	Web
IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REPORT INFORMATION Type of Incident : Identify theft Following are the types of theft that I was a victim of : X Other Date of XX/XX/XXXX Time of Incident : XXXX Incident : How did you become aware of the incident? I just received an email saying that I owe money to XXXX XXXX and at the time this taking place I was XXXX and wasnt staying at the address so I know that it was identity theft Location of Incident : XXXX MA Briefly Describe the Incident : I was XXXX at the time of the incident so I dont really know what time it accrued but it says XX/XX/XXXX Information regarding Thief ( please provide any information that you may have about the alleged thief ) : N/a Please list all items that were lost or stolen, using as many unique identifying characteristics as possible. 1. Identity ADDITIONAL INFORMATION Please provide any additional details that may be beneficial : I will like to get the account disputed off my credit This Police Report Worksheet is executed and agreed to by : XXXX XXXX XXXX XX/XX/XXXX at XXXXXXXX XXXX Recorded at XXXX XXXX
02/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 07111	Web
I am a customer of Self with both a credit builder account and a visa credit card account. I have been consistent in paying my both account on timely basis until I felt sick due to the XXXX. I am a XXXX worker in the XXXX XXXX XXXX and have worked all through the crisis covid in the XXXX XXXX of a major XXXX in XXXX XXXX XXXX. I contacted the company and explained that I was sick in XXXX and probably missed the payment due to my serious illness. I was advised to write a goodwill letter by a gentleman that I spoke with with over the phone which I did twice. Twice, the response was by an automated machine denying my request. I have carefully revised my account and during the month of XXXX and XXXX 2020, payment was made twice each month and that should have covered payment for XXXX 2020. It is painful that Self is being insensitive to the plight of XXXX XXXX who has been consistent with payment until falling sick and will rather aggravate the health struggle with additional financial woe. I want the company to review my account and remove the late payment on my credit profile for the month of XXXX 2020. I also do not understand the various reversal of late payment between the month of XXXX and XXXX. The four payments I am referring to are for the following months XX/XX/2020 XX/XX/2020 XXXX XX/XX/2020 XX/XX/2020 Thanks
05/30/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	GA 30058	Web
After carefully monitoring my credit reports the last serval months I notice this account is reporting to all three credit bureaus, the Account name is XXXX. In accordance with fair credit Reporting act XXXX. XXXX have violated my rights. 15USC 1681 section 602 states I have the right to privacy. 15USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instruction. 15USC 1666B A creditor may not treat a payment on a credit card account under law as open end consumer credit plan as late payment. I have contacted all three credit bureaus that are reporting, and ask them to validate this account, and that has not happen. I have been sending letter since XX/XX/XXXX. I have contacted the company, trying to dispute this information and they do not have a place really to call to dispute the information. They took the information from that I have no knowledge of this account and could they send me proof that I am the owner of this account and they have failed to send out the necessary information or remove this file from my credit files. XXXX and XXXX are reporting this card with a late payment in XX/XX/XXXX then it was closed right after. XXXX is reporting this account as in good standing never late, this is in accurate information being reported.
11/18/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	MD 21207	Web
THE LIST OF CONCERN THAT I WOULD LIKE TO MAKE KNOWN TO FCC, XXXX, FTC, HAS BE A ONGOING ISSUES WITH SELF LENDER FINANCIAL. 1. PAYMENT SYSTEM ERROS SINCE XXXX I WILL UPLOAD PICTURES FOR THE RECORD. 2. SELF LENDER FINANCIAL OFTEN DELAY CUSTOMERS PAYMENT DELIBERATELY THIS A PATTERN THAT THIS COMPANY DUE TO HARM THERE CUSTOMER CREDIT REPORT FOR LATE PAYMENT. 3. NEXT CONCERN DURING THE STATE OF EMERGENCY SELF LENDER FINANCIAL DELIBERATELY MESS CUSTOMERS CREDIT REPORT ALWAYS / FOR THE BILLING ISSUES IT DOESNT MATTER IF U PAY YOU {$15.00} PAYMENT ON TIME OR 8 DAYS BEFORE UR DUE OR IF U MAKE DOUBLE PAYMENTS THE CUSTOMERS WILL ALWAYS BE WRONG FOR MAKING DOUBLE PAYMENT. 4. WHEN I TOLD THESE AGENT XXXX AND XXXX AND MANY OTHER THAT THERE BILLING SYSTEM IS BROKEN! I TOLD THEM ON MANY DATES AND TIME FROM XXXX XX/XX/2020 I WAS TOLD BY TWO AGENT THEIR RESPONE WE JUST WORK HERE AND WE DONT CARE ABOUT SELF LENDER IAM JUST HERE TO GET A CHECK WE DONT CARE ABOUT CUSTOMERS ISSUES OR CONCERNS AT ALL 5. I JUST NEED TO THIS COMPANY TO DO BETTER WITH THEIR CUSTOMER CARE AND TREAT PEOPLE LIKE HUMANS INSTEAD OF BLOW CUSTOMERS OFF AND DROPPING THE BALL .. THE AGENT TOLD BE HE DIDNT FEEL LIKE WORKING AND HE HAS BETTER STUFF TO DO AT HOME INSTEAD OF WORKING ON THE CLOCK FOR SLEF LENDER GIVE ME A CALL ON THIS FIX PLEASE AND THANK YOU MR .XXXX
02/08/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	RI 02860	Web
Dear SELF/LEAD BANK ( Account # XXXX ) I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
04/21/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32209	Web
Upon checking my creidt report on XX/XX/XXXX I realized an adverse action, with forethought and malice, was furnished to my report, regarding my account ( XXXX ) with Self XXXX. The report shows late payments for the months of XX/XX/XXXX, XX/XX/XXXX, and for XX/XX/XXXX. This decision has negatively affected my federally protected right to extend credit and violates my right to an equitable consumer report. I am also aware that I was supposed to receive a negative information notice in writing no later than 30 days after furnishing these alleged late payments to my consumer report. I have never received such notice. Pursuant 15 U.S. Code 1666b I would like for an executive member of your company to put on a sworn statement of facts that your company sent me, and I did in fact receive such notice with verification of such ( i.e. notice sent, tracking number, dated certified mail with my wet signature ). Without this, there is no proof that reasonable procedures have been followed prior to furnishing this alleged late payment to my consumer report. Please be advised that in regard to these alleged late payments, I am aware that pursuant 15 U.S. Code 1681a ( d ) ( 2 ) a consumer report shall not include information solely as to transactions or experiences between the consumer and the person making the report. Thanks
03/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38118	Web	Servicemember
I contacted this company for validation of the debt that they have inaccurately reported to my credit profile. I have found several contradicting information on my report that further prove my suspicion of this account being fraudulent and NOT MINE. Attached is proof of the credit report with misinformation differing across the three credit bureaus and a FTC identity theft report. I kindly request this item to be removed completely, never to be added back again. I understand that the Fair Credit Reporting Act regulates credit bureaus and collection agencies to ensure proper and accurate reporting for all consumers. In this case, I have not been treated fairly as the reported accounts are continuing to show -- with mismatch information especially. There are two seperate accounts from this company reporting fraudulent and inconsistent information to report. The history for XXXX is missing -- COMPLETELY The history for XXXX and XXXX has gaps in payment history. None of the information is consistent across the three credit bureaus. Again, this is a very clear-cut violation of the Fair Credit Reporting Act. This company does NOT care about reporting accurate information -- nor do they care about customer complaints when said customer is a victim of identity theft. I need something done about this immediately!
01/27/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77469	Web	Servicemember
XXXX XXXX builder credit They unlawfully kept my account open after I requested it be closed. I had another account with them that was closed good standing. So when they said I had a balance on credit card I knew straitaway it was fraudulent because I never purchased anything. They also had so many different balances first they said I owed {$17.00} then it went to something I purchased ( I never used card ) and never late my account was supposed to be closed XX/XX/2022 after I realized it was open still. So they did remove the balance I didnt owe because it was fraudulent, but this company still havent removed the inaccurate late reporting on my account which is XXXX they have me as I was 60 days late never and they were supposed to have my account closed. They also sent me a check of {$47.00} saying I overpaid ( and removed the fraudulent charges but never removed the inaccurate late payment reported on my account. Im requesting that the inaccurate late reporting be removed. I was never late. The account was supposed to be closed. Its closed now. But they need to finish their job and get those late payments off my credit profile or Im seeking a lawsuit against self credit builder. Its sad because its a credit ( secured ) card that is promoted everywhere so you wouldnt think this would happen. Please fix this
03/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 11357	Web
Name - XXXX XXXX XXXX Account number- XXXX Account name-SELF FINANCIAL/LEAD BANK This account was disputed before and after payment to the collection agency with no problem being resolved. This account is being reported in error on multiple CRA 's. According to the FCRA 611 subsection A, Chapter 1 ; A bureau re-investigation is in order whenever a dispute is returned as validated without a correction being made. This account is being reported as having multiple late payments on the XXXX credit report, yet on XXXX as a collection it states this account never missed a payment. Then on XXXX, this account has multiple months of missed payments not being reported which according to the FCRA 611 ( 15 U.S.C. 1681I ) chapter 5 section A, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if an item of information if found to be inaccurate, incomplete or unverifiable it must be promptly removed. According to 609 Disclosures to consumers [ 15 U.S.C. 1681g ], Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. This account is not being reported accurately across all three CRA 's and asking for it to be promptly removed due to the length of time these inaccuracies have been reported.
05/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 782XX	Web	Servicemember
Between XXXX and XXXX of 2021 ; I took action via a credit reporting service to have older and inaccurate information on ALL my credit reports be removed. ALthough some information has been removed, unfortunately not all the information was removed and therefore is causing a halt and sometimes negative affect on my reporting. To maintain accuracy and truth to my reports, I'm taking action myself to ask for items to be removed from my account based on the laws listed below : According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
02/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or missing disclosures	OR 97214	Web
Due to COVID-19 I had to close my self Lender account which was a credit repair loan. Prior to closing The account I was asked to provide bank statements which was very strange I was told that I could not close the account until I provided bank statements which was to confirm that I was the account owner I had previously done this once before so at this point I thought it was a violation of my privacy and ask for another means of doing so I was told to mail in a copy of my drivers license which I did. During this process the last payment XXXX was reported as late once I finally was able to get the account close which was the following month they had listed it closed for XXXX although in XXXX I was going through the process of closing the account. I also had a credit card with this company I had never had any late payments listed anytime before COVID-19 Because I was ordered to quarantine for a month and also took care of two family members that had Covid I was unable to work because of the state mandated stay at home order in a mandated quarantine after getting Covid. The account was brought to a XXXX balance but the company still refuses to mark XXXX as the actual close date and remove the late payment off my account even though the account was self funded brought to a XXXX balance and closed out
09/10/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	CA 92223	Web
In XX/XX/2020 I opened a personal loan through self inc. I scheduled auto payments to be taken out of my acct every month so I would not miss a payment. I was then asked in XX/XX/2020 if I wanted to open a credit card with self with a limit of {$100.00}. I Signed up. Since the loan and credit card is linked I assumed that the credit card was also on auto payment. Fast forward to XX/XX/XXXX and I get an email stating that Im 60 days late. I called the customer service line and they stated its only on auto payment if the loan and credit card have the same due date. They said they emailed me on my payment due date. I did not receive notification as I checked my emails dating back to XXXX. I have since then set up auto pay and paid the credit card down to {$23.00}. When you go onto the self inc website it states Im on auto payment, I checked multiple times. It does not say loan is on auto payment not the credit card. So to conclude I was told the credit card was on auto payment which it wasnt, I was never notified that it was past due and when on the website it does not say it is NOT on auto payment. The consumer sees auto payment enables we assume they both are. Now I have a 60 day late so my credit score dropped from XXXX - XXXX. All for an activation fee that I thought was on auto payment.
11/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90250	Web
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with SELFINC/LEAD for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments 30/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts. The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with you.
01/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33437	Web
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 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. Section 609 of the FCRA and requests that the credit bureau verify an item in your credit report. In this letter, you ask a credit bureau to verify information, and if that information can not be verified, it must be removed. THE FOLLOWING ACCOUNTS NEED TK BE REMOVED ALSO XXXX HAS NOT UPDATED MY CREDIT SCORE AND REPORT NOR COLLECTIONS XXXX AND XXXX HAS UPDATED MY CREDIT SUCCESSFULLY BUT NOT XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS ALL OF THESE ACCOUNTS INCORRECTLY LISTED ON MY REPORT AND ALSO HASNT UPDATED MY XXXX AND XXXX SCORES ALSO XXXX IS OUTDATED AND DOSENT HAVE THE PROPER INFORMATION
12/08/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Account status incorrect	SC 29680	Web
Opened a Self Credit Builder Loan in XX/XX/2020, reduced hours and eventually lay off within 2 weeks due to the National Coronavirus Pandemic. Contacted Self to close the loan and account. Account was paid in full by security interest Certificate of Deposit. Account was not closed until lender showed 3 late payments. The account is showing closed on my report but not reflecting accurately as to payments. There were no payments made or due as the loan was not open long enough and was immediately paid in full. Have contacted the company and have encountered long wait times and then promises of corrections and email updates that never come to fruition. This is incorrect information and is impacting me negatively and severely for a situation that was totally out of my control. I never fell behind on payments or asked for any special assistance in regards to the acccount. Simply requested it be closed. Then requested the information be reported accurately which has not occurred to date. However I am now requesting that the company delete the account and record to all three bureaus as having never existed. I have since regained employment and started financial recovery from the Pandemic. I chose to open a new account with Self and it is being reported accurately at this time.
12/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 434XX	Web
Self Inc has reported account information inaccurately and upon requesting to re-investigate with proof of my claims that XXXX is reporting with ( XXXX ) 30 days past due, XXXX ( 1 ) 30 days past due and XXXX XXXX ( 1 ) 30 past due. I mailed the CEO of Self Inc a letter outlining my concerns that caused adverse credit decisions due to the defamation of character, accounting & credit reporting errors. XXXX of XXXX I filed a lawsuit in XXXX XXXX XXXX for {$1000.00} in damages. The attorney for Self Inc advised their investigation reinforced their initial determination that nothing was reported inaccurately. My initial request for a goodwill adjustment lead Self Lender to respond via email, but in their response provided my account information and that of another customer in an email chain. After advising them of their continued documented errors, I received no response. I would like for this account to be removed due to irrevocable financial damages and defamation of character. Self Lenders attorney, XXXX XXXX of law firm XXXX XXXX, XXXX XXXX advised they are not able to remove information deemed accurate, but negative. I advised the information isnt accurate and the request to reinvestigate would have yielded the exact proof I provided, that there are errors on my credit report.
10/30/2023	Yes	Credit card General-purpose credit card or charge card	Closing your account Company closed your account	FL 32210	Web
The original problem began on XXXX when I tried to submit my payment the company decline my payment multiple times and told me it was my bank I called my bank and they said it was them I tried to make the payment again with ach info and the payment finally went through later on XXXX The company sent me and adverse notice after having my account open for about two years & stated they closed my account because they could not verify my identity. Ive alway kept my information up to date and they havent requested any information from me. I reach out to them then they changed the department to the fraud department claiming Ive committed fraud theres no one I speak To in reference to this and Im concerned my information may be at risk because Ive never done anything fraudulent in the account all payments are under my information with funds that clear. in the email response they state the decision is final which will ruin my credit score having the acct history removed ( for I made all my payments on time under the the account ) i feel this is unfair and if theres something going on with my Personal information I should have the right to know since its going to impact my personal credit. I would like my account back open with no damages done to my credit profile in reference to this
12/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10032	Web	Older American, Servicemember
In the month of XXXX of XXXX, my account was closed with Self, a credit boosting firm offering to boost my credit score by being solicited with them. The eventuality would be like as if I got a loan, and paid it off. But in essence they don't give you a loan, all they do is give you a payment schedule as if you have a loan with them, and then ruin your credit if you miss certain payments. In New York around about the time of XXXX of the same year, a pandamic struck and we were under orders to not go out even our houses, and work. Due to this nature I was stuck with not being to be gainfully employed and then reported for a number of delinquent accounts which are now resting in my credit portfolio owned by the major credit companies, ( the big three ). Due to the nature of the pandemic caused by Covid-19 and the ensuing realities of the lockdown and the inability to work ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'd like full correction to my credit report to reflect this unsettling ordeal that we experience. This action taken by both the Self company, and XXXX and the other credit report agencies has hurt my ability to function. I always paid my accounts and when looked into they all stopped due to the covid-19 reality..
05/08/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	NV 89129	Web	Servicemember
Self is a credit building product. I began with a loan and later opted in to a card. What I have noticed is that what the company has been reporting incorrect information monthly as it pertains to my balance. I reached out to customer service on today XXXX and spoke with XXXX representatives. The first rep was not knowledgeable in providing me the dates and advised that I look at my credit report. The second representative advised that Self reports to the credit bureaus at the end of the month and there is one set date. I confirmed by asking her to repeat in which she stated it is once a month the last week of the month. My issue is that my statement closes on the XXXX. The statement information is not what is being provided to the credit reporting bureaus instead new information from an active cycle is what is being delivered. This is making my utilization be higher than it should and thus instead of helping to build my credit it is harming my score. For instance at the end of the XXXX statement my balance was {$80.00} when self finally reported it showed {$490.00} and due to me rebuilding my credit this account I do not have high limits at all so this {$490.00} erroneous report made my utilization be 45 % when in fact my utilization should have been well below 10 %.
10/29/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	VA 22406	Web
The card is non usable based on the investigation of fraud. Approximately XXXX XXXX it was a charge for XXXX dollars for flawless beauty. I never made the charge or authorized this charge it was charged when I made the appointment which was made simultaneously for the same day. I want to CLOSE the entire account. I have had nothing but issues with his card and and company. I have no way to contact the merchant nor did I receive any services from the merchant in which they charged. I never contacted the merchant via email and no place to attend for the service and i even tried to reach out via telephone no telephone number or anything. This is why I reported it as fraud. But the Self is not resolving this issue aside from other issues in which they are not resolving I try to contact them because I can not purchase and this is when I am told the card is not working because of fraud but they would not send another card. I just want to refund the charge and close the account I have experienced nothing but a headache in dealing with them and no longer want t ordeal with them It is so difficult to communicate with them between the weekend and business hours and speaking with someone to resolve m y issue of the charge it is not worth it for the astronomical interest rate.
10/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	OH 43612	Web
Yes I set up a self builder account with this lender and they are incorrectly reporting on my credit as late. I spoke with them regarding that I was having identity theft issues and that I will be using a different account to pay my {$25.00} payment in XX/XX/2023 and called and gave a representative my new account information for them to deduct from. However they never deducted the money from the new account and they reported me as being late on my credit report! This is unfair practices as I am trying to buy a home and suddenly this has popped up on my credit report!! I spoke with the company and they refused to fix this error when I in fact gave they auto pay to deduct from the new account and today on XX/XX/2023 I called to question why they hadnt deducted the money from my account they said they made an error and can not fix this from reporting to my account!! I called and made the of {$25.00} from the same account there were suppose to deduct from in XXXX and they refuse to correct this as paid on time on my account!! This is hurting my character with lenders and affecting me being able to purchase a home and I feel this was unfair practices. Under the fair reporting credit act 15 u.s.c 1681g and 15 usc is 1681 ( a ) ( 4 ) this is a defamation to my character
10/14/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with customer service	FL 338XX	Web
Several months ago I had to replace my debit card before I did so I was always on time with our payments but I didn't realize that the card on file with the old one and the payment started bouncing but I didn't realize that that was why I tried to call customer service to find out why I was getting the payment not paid however I discovered that you can't contact them to the phone number so I just kept trying sometimes I would accidentally click the old card and it wouldn't let you cancel you'd have to wait until the payment bounce then try again which would accrue another {$15.00} charge every time the payment didn't go through had I known that was the reason my payments were going through I would have fixed it however their customer service is not good originally I started emailing them to try to find a way to ask them to waive the {$15.00} charges because I'm having trouble with covid finding a job and making my bills however I'm having a terrible time contacting the company I've given them all information required to find me however they refused to speak to me unless I have the original email I opened the account with which I no longer have access to when you call the phone number it tells you to email when you email it tells you to call it's a big run around
06/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 46953	Web
These two companies have provided false information to the credit bureaus. Basically, every time I dispute the information and tell them that these are not my accounts they modify their reports to give the impression that I have been actively making payments on the accounts. However, I never made any of these payments recorded in these accounts because these accounts do not belong to me. Also, these companies will update the " date '' that the account was opened to further give the deceptive appearance that I recently opened up these accounts. I even hired a law firm to dispute these accounts and they were not able to get them removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX Phone Number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX Phone Number ( XXXX ) XXXX This company also refuses to remove information off of my credit reports, after I disputed the account as not being mines and the information being inaccurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX UT XXXX Phone Number ( XXXX ) XXXX Furthermore, none of these companies will provide me with documents proving that I opened these accounts and made payments to these accounts. I never gave any of these companies permission to make any of these reports to the credit bureaus.
12/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 75040	Web
On XX/XX/2021 I sent a validation letter to XXXX, XXXX, and XXXX regarding some inaccuracies that are reporting in my credit report ( attached below ). I exercise my right to request all three bureaus to provide me with verifiable proof that the negative items reporting on the accounts listed below belong to me or they have to remove those immediately. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through physical verification of the alleged original signed consumer contract to prove those accounts belong to me and that whatever they report on my credit report has to be 100 % accurate. On XX/XX/XXXX, I received a letter back from XXXX stated that they verified those accounts as accurate which is false and misleading which is a violation of my consumer rights. How can they verify it to be accurate if you can see the invalid inconsistencies in plain site ( shown below ) As for XXXX and XXXX it's been well over 30 days and I never received any investigation results In regards to the late payments that were reported, that is 100 % false because I paid those accounts on time, but to my understanding late payments shouldn't even be reported due to the COVID Forbearance Act
02/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 480XX	Web	Servicemember
Self Lender/ Lead Bank credit card was opened by me, however, card Was stolen in XX/XX/XXXX. After realizing months later that the card was stolen and had a balance I attempted to view the account online with no success. I notified Self Lender of the problem and was issued a new card that also took several months to be received. After receiving the new card, I did pay the balance and notified Self Leander that the missed balance was not from me but from the card being stole. I was told to write a GOOD WILL letter explaining the situation, which I did. This letter was denied and they refused to make the change on my credit report. I reached out to SELF in XXXX and XX/XX/XXXX asking for documentation that I called and reported the card stolen and that a new card was issued to me and I was told that I would receive that from " XXXX '', however, I only received statement that I had an account with SELF. Nothing stating that they had been notified of the card being stolen.SELF refuses to correctly report this account and the fraudulent activity. I never received any documentation that was promised, The account has been closed since XX/XX/XXXX and it is still reporting as a balance on my XXXX report as well as delinquent on XXXX, XXXX and XXXX.
03/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	UNITED STATES MINOR OUTLYING ISLANDS XXXXX	Web
Late Payment reported for Self Lender I paid a large amount prior to the payment date. During this specific month I did not get any notifications of PAYMENT DUE. Clearly It had been paid. Historically I have paid on time. In addition to the Pandemic I was going through identification fraud via the IRS and State of California leaving me without any way to pay which is why I submitted a large amount to account for this issue and any other foreseeable issue. Due to the fact, I did not have a means of electronic payment and I only received a notification of being LATE and no NOTIFICATION of PAYMENT LATE, ONLY CHARGED A LATE PAYMENT Also, you will see it is accurate that a payment was indeed RECEIVED. I believe this is why I was not prompted to be SENT A PAYMENT DUE REMINDER - Why - Because I had made a payment. Unfortunately, I paid in that month and if it was not for the other issues along with Pandemic i would have paid it off. However, I still made my monthly obligation as noted per FCRA. I did not anticipate being chosen as a fraud error or verification of identification for both IRS and the state of California. All this was due to the fact I moved. Therefore, it was an absence of urgency due to the skeletal crew with business and USPS.
10/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30344	Web
This company is in violation of the FCRA and Metro2 Compliance and reporting violation. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; On XX/XX/2021 and XX/XX/2021 you reported transactions from account # XXXX to my consumer report. Congress section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance! Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time. Further more 15 USC 1666b ( a ) ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
05/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90032	Web
I received a letter from Self Financial inc on XX/XX/2023 kinda explaining what they report as inaccurate information to the XXXX major credit bureaus. In the letter it says that they acknowledge that inaccurate and incomplete information is being reported by self financial on purpose after i have flagged their errors that are harming me by reporting false and misleading information about me. I have also asked for real documentation on this issue they refuse to furnish any document that can backup their claim. I have not heard back at all from Self financial Inc . Please help me? I pointed out the FCRA Law specifically. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681s-2 ( a ) ( ( 1 ) ( B ) ( i ) ( ii ) 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. ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate
04/16/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CA XXXXX	Web
I have tried 2x to transfer money from my XXXX XXXX to my Credit Card. Each time I have to pay interest and fees. The 1st time they said it went towards interest and fees even though on the portal it had the dollars in savings needed to transfer. So I did a second payment to put me over that threshold so I can transfer to my credit card and verified with supervisors and reps I was told it takes 5 business days. Now it's been two weeks. The company does not tell the interest fees etc up front when we make a paymenynsonwe are paying blindly and we are never shown what these " fees and interest fees '' are. I requested via email that they fix this so consumers know what they are paying up front and assure their payment is enough to transfer fees to their credit card. In the emails I attached the supervisorsl initially said I had. enough I'm my account then sent another email contradicting that saying it wasn't, even thought every rep and supervisor said it was.He said he added XXXX to my credit card for inconvenience to Increase my credit limit, that didn't happen instead it says negative XXXX and the same credit limit that needs to be fixed. this company needs to stop charging expedited fees because the process is far from expedited
01/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	MN 56001	Web
Customer came into XXXX XXXX XXXX XXXX XXXX XXXX XXXX for guidance on the accounts showing on his credit report. XXXX XXXX XXXX XXXX XXXX has a F rating and is not accredited. On XXXX page now states they are XXXX XXXX Bank, which recently changed its name to XXXX XXXX Bank, XXXX, partners with Self Financial assistance being offered to bring you the Self XXXX XXXX XXXX and certain XXXX XXXX XXXX. XXXX XXXX, XXXX ( CD account summary as of XX/XX/XXXX copied from last statement from XXXX account # XXXX Maturity date XX/XX/XXXX CD balance {$520.00} CD interest XXXX XXXX XXXX Questions? Comments? You can email us at XXXX or call us at ( XXXX ) XXXX. Customer has not seen any improvement in his credit score 3. SELFXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MON SECURED LOAN FIXED RATE The above information is how it shows on the credit report that I pulled on XX/XX/XXXX through XXXX Instant Merge Soft Touch Report. Since then, the client has closed the account. However, he has been counseling with us, to pursue homeownership. The damage from this account can stop the client from pursuing mortgage options.
05/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or missing disclosures	AZ 85710	Web
I opened an account with self inc. It is advertised with making a small payment into a savings account, set amount per month and then gives you positive payment on your credit file. They allow you to make payments monthly and can pay it off sooner and get your payout quicker from your savings. This is the issue I completed my savings early, the company sent me an email advising i would get my payout deposited on XX/XX/2023. I got a second email requesting to prove my identity. In the email i need to provide my social security card, id, photo of me holding my id and a copy of my bank statements. All those things right there, they can steal your identity. I called the company, the women who i spoke with advised me i would not get my payout of their program till i supplied all that info. This part was not in any documentation! They have XXXX dollars of my money that belongs to me. i supplied the documents, but on the bank statement i redacted all the info except what they requested. it showed the checking account number i made the payments from as well as, where they took out the payments from my account. They contacted me today and advised that wasn't good enough. I have all their emails Very misleading company
08/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75181	Web
RE : The response that I received to the previous complaint does not show how and what means you used to validate that all data being reported on my consumer report is accurate, and complete. How was the investigation done, who signed off on authorization that information is accurate, and complete. Please validate all information and produce all files used. In your response letter you never addressed the inaccurate, incomplete information that is being reported on my consumer file. Please address that immediately. You are willfully, and knowingly violating my rights. I expect there to be an answer to why there is 3 different Date Of Last Activity being furnished to my report from your company. You are not reporting within the rights of the FCRA. This is also not MAXIMUM ACCURACY. In the previous complaint I provided copies, and pics of consumer reports with evidence of inaccurate, incomplete data, and information. I have included a copy of your response letter, which is alot of mumbo jumbo .The truth of the matter is there are inaccuracies, and incomplete information on my file that your company furnished. Your company needs to remedy and rectify this immediately. Your company is willfully violating the FCRA.
12/22/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	NJ 074XX	Web
On XX/XX/2022, I XXXX XXXX initiated a full payment towards my secured credit card from self inc. In the Amount of {$3500.00}. Shortly following the full payment I received an email from self inc warning me I have 15 days to provide verification and a bank statement or my account will be closed. I urgently uploaded the documents they requested shortly after they closed my account with no information or notice. They held my security deposit after sending an email stating it would be released in 15 days and electronically sent to my linked bank account. Well, that never happened its been almost 2 months, and my security deposit of {$3000.00} is being held by self for 2 months and is now causing me hardship. they are illegally holding my funds with no answer. stating they can not release anything until the review is finished. And have no timeline for this I have attached all information and correspondents on the communication done with self below. I am requesting the funds that are entitled to me under us law be released to me with no further questions. I also believe the bank intentionally and maliciously committed fraud by waiting for me to pay the credit card in full to then hold my deposit and close my account.
08/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75181	Web
RE : 2 Official Notice Of Pre-Arbitration As I have tried futilelly to solve this problem with honor, respect and good faith. You have dodged, disregarded, and dismissed my attempts to amicably remedy the inaccurate, incomplete information that is reporting on my report and file being furnished by your company. As a financial institution per FCRA, and consumer, reporting, agency. The responsibility to correct these errors is also yours. Please be advised that your company is in violation of 15 USC 6801 15 USC 6802 I never gave your company written consent to report my dataZ I was never advised that you would be reporting my data. I was never advised of how to opt out of you reporting my data. You are willfully furnishing inaccurate, incomplete information that you have been advised that is reporting on my consumer file, and report. I have a right to privacy, your company has not protected my non-public, private information.Please be advised this is a final attempt to correct, and remedy this An issue which your establishment should reasonably correct, and remedy. I advised that there were errors, and inaccuracies, in payment history and the blatant disregard for all these factors has us at this pointZ
06/26/2023	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble closing card	IL 60148	Web
I had a credit builder account through self financial online and successfully paid it off to term. Through the loan process I used the balance of the money I had paid in ( {$1500.00} ) to place a deposit on their secured visa credit card. When the loan was finished and it was time for me to open another loan I didnt submit my ID verification documents snd ghe account and credit card account were closed on XX/XX/2023. The bank statements for XXXX and XXXX of 2023 state I am to be issued a refund of my deposit {$1500.00} and I have called this company 4-5 times and asked when I will be getting my deposit/payout sent to my account and they first said I needed to submit identification verification documents which I did promptly. That was back in the last week of XXXX of this year. Every other time I call and complain they tell me the escalation department will email me concerning the issue but they never do! And finally after the last call and request for information they sent me an email stating that they were not obligated to give me any time frame in which my money will be returned to me and thats a bunch of XXXX! Can you please help me get my deposit released and deposited into my account? Thank you.
07/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 480XX	Web
1 account was already in process on XX/XX/XXXX that should be the only account I have. Your company made it into 2 negative accounts and now that look bad on my credit report. I closed both these account but there still alerting me with changes on my credit report and thats affecting my credit score. Improper use of my information without my auhorization is violating the credit act and could get this company under with the law. These accounts are old and closed and improperly used with my informatiom. I asked that both account be remove from my credit report. XXXX XXXX {$520.00} OPEN XX/XX/XXXX CLOSED XX/XX/XXXX but was marked as late payment. XXXXXXXX XXXX {$520.00} OPENED XX/XX/XXXX and CLOSED XX/XX/XXXX these are the same company different names In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX XXXXXXXXXXXX XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose
12/26/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 325XX	Web
Dear Sir or Maam : Pursuant to the Servicemembers Civil Relief Act ( SCRA ) 50 U.S.C. App. Section 527, this letter is my formal written request to remove this inaccurate information from my account. I am currently serving on XXXX XXXX with the XXXX XXXX XXXX XXXX. I entered XXXX XXXX on Date, which was after after the time this debt appeared on my credit report.. I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.
01/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 10036	Web
I opened this account in early XXXX and closed and paid this account in XXXX/XX/XX/2019. I noticed on my credit report that the account was still showing I owed a balance of {$870.00} and a monthly payment of {$150.00}, as well as saying I was late two or three times. This information was incorrect, and I emailed them and called on the phone. They asked me to provide proof so I attached pictures of my credit report. They told me it would be fixed, it was inaccurate and would be updated on XX/XX/XXXX. I waiting over a month, and checked my report to find that all reporting agencies had updated except XXXX. I reached out to XXXX filed a dispute and submitted documents to them showing proof the information was inaccurate. On XX/XX/XXXX XXXX said the documents were verified Accurate. I find out today, the last time Self Lender reached out to them to update information was on XX/XX/XXXX, and have not actually check any accuracy on my account. Mind you my email correspondence with Self Lender was on XX/XX/XXXX. Since then there has been no luck, and XXXX should have deleted the account because falsely stated it was verified accurate, when they never spoke with Self lender to verify it's accuracy.
03/31/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	TX 75006	Web
On XX/XX/XXXX I filed XXXX XXXX bankruptcy. At that time I was issued an automatic stay by the bankruptcy court. on XX/XX/XXXX Self, INC closed my credit card with them. However on XX/XX/XXXX Self, INC added {$2.00} in interest to the balance. I spoke with a representative via phone on XX/XX/XXXX regarding this as was told that they had recieved the bankruptcy notice and the account would be updated accordingly. Then on XX/XX/XXXX the company added {$15.00} in late fees to the account. I sent noticed via there chat messaging feature as was given case # XXXX and recieved the email stating that they still have to report my payment history to the credit bureaus and as referred back to my bankruptcy attorney. I have told Self, INC that I filed pro se and this account falls under the automatic stay of the chapter XXXX. I Then was charged another {$15.00} on XX/XX/XXXX. The XXXX XXXX was discharged including Self, INC on XX/XX/XXXX, yet Self inc is still charging lates fees and have NOT properly zeroed out this account per the XXXX XXXX. On XX/XX/XXXX I recieved basically a dupiclate email ( case # XXXX ) from the exact same rep stating the exact same thing. Both emails are attached below.
01/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 281XX	Web
I have reached out to the creditor " Self Lender '' in regards to a FCRA VIOLATION with a closed account. The creditor is not reporting the SAME INFORMATION ACROSS ALL 3 CREDIT BUREAUS. All 3 reports show different information. This is a FCRA violation and a violation to my FCRA rights WHICH DEMANDS REMOVAL OF THE ACCT!! I have sent valid proof of this issue and the creditor still failed to comply to CORRECTION. By law due to these violations the account must be removed from the credit reports! I HAVE DISPUTED THE ACCT AND STILL DID NOT GET THE CORRECT RESOLUTION. MY PAYMENT HISTORY SHOWS TOTALLY DIFFERENT ON ALL 3 CREDIT REPORTS! ON XXXX IS SHOWS NO PAYMENT HISTORY AT ALL!!! >>>>THIS IS A FCRA VIOLATION DUE TO INACCURATE REPORTING. ON XXXX IT ONLY SHOWS PAYMENT HISTORY FROM XXXX. THE ACCOUNT CLOSED IN XXXX IS A FCRA VIOLATION DUE TO INACCURATE REPORTING. ON XXXX IT ONLY SHOWS PARTIAL PAYMENT HISTORY.>>THIS IS A FCRA VIOLATION DUE TO INACCURATE REPORTING. THE DATES OF LAST ACTIVITY ARE ALSO DIFFERENT ON THE REPORTS>>THIS IS ANOTHER FCRA VIOLATION DUE TO INACCURATE REPORTING. THE DOCUMENTS ATTACHED SHOWS VALID PROOF OF ALL THESE FCRA CREDIT VIOLATIONS DUE TO INACCURACIES.
09/16/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	MI 48168	Web
On XX/XX/XXXX, I noticed some unauthorize charges on my Self Finacial Credit card app from XXXX and XXXX XXXX. I contacted Self financial and informed them that I did not authorize these charges and that my credit card must have been breached. I was informed that my credit card would be cancelled, and I was given an email to reorder a new card. I never reordered a new card because I wanted to have the issue resolved before I continue to use their services. Initially after an investigation I was informed that the charges would be removed. I then received a letter in the mail that the charges would be reinstated because self has documentation that I authorized the charges and if I would like the documentation, I could call the number on the letter and receive a copy of the proof. I contacted Self on 2 occasions requesting this information. The only thing I receivds was a copy of the first letter ( I have attached ) 5 times with no proof of authorization. I am requesting to have this investigated. XX/XX/XXXX XXXX XXXX {$59.00} XX/XX/XXXX XXXX XXXX {$53.00} XX/XX/XXXX XXXX XXXX {$21.00} XX/XX/XXXX XXXX XXXX {$37.00} XX/XX/XXXXXXXX XXXX XXXX {$39.00} XX/XX/XXXX XXXX XXXX {$36.00}
07/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76048	Web	Servicemember
I have disputed several times thru credit bureaus to remove Self Financial as it is fraud, I did not open this account and have filed Identify Theft Report. The bureaus reported back that the merchant stated it was accurate. I have contacted Self Financial, at great difficulty as the calls go to the XXXX XXXX XXXX, and the only option is for the person to escalate the call and someone will contact you. An email was received from this procedure and I followed their procedures, ie email and sent the fraud report. Not successful in replying to email by called as you then get the same run around. I have sent certified letters requesting Self to furnish me the documentation used to open this account as required by law, and a form letter dated XXXX was all that I received saying the account is valid. I am told this company is termed a " XXXX XXXX Account ''. My credit score runs in high XXXX 's to XXXX, I don't need a credit builder account but I cant get thru to the proper people to remove the account and it is now showing past due and can affect my score. The account was opened in XX/XX/2023 and I first was made aware XX/XX/2023 report. Please see all my attached documentation.
07/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NV 89141	Web
I am writing to express my concerns and seek assistance in resolving an issue I am currently facing with a credit building entity known as Self Financial. Regrettably, I have noticed a discrepancy in the credit reporting from Self Financial, where they have incorrectly reported my balance to the credit bureaus. This occurrence appears to be a violation of my consumer rights, which I believe merits serious attention. In an attempt to rectify the situation, I initiated communication with Self Financial, providing them with an opportunity to amend the error. Unfortunately, despite my earnest attempts, there has been no subsequent action taken to rectify this mistake. It is disconcerting to note that my legitimate concerns seem to have been overlooked, a situation that raises questions about the customer experience for other consumers utilizing their platform. In light of the gravity of this matter, I am keen to discuss this further with an appropriate representative who could help address and resolve this pressing issue. Please consider this a matter of urgency. I appreciate your prompt attention to this matter and look forward to your response at your earliest convenience.
03/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NJ 07111	Web
I sent this company a dispute letter about reporting a late payment on my credit report. They have failed to respond back to me in writing as requested.here is my tracking number XXXX was delivered on XX/XX/XXXX @ XXXX Several of my consumer rights have been violated especially 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. They are reporting a late payment which is a transaction between me and this company. Also violating 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Im requesting proof that I was mailed or delivered 21 days before the payment date.
03/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 19131	Web
I was never 30days late ( SELF ) can not prove I was ever 30 days late ( SELF ) is in violation of 15 U.S.C.1681s-2 ( A ) ( 1 ) 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The credit report ( attached ) shows that the information being reported by ( SELF ) does not match between all three credit reporting agencies, which means somewhere there must be an inaccuracy How can ( SELF ) be reporting accurately to the credit reporting agencies, if each credit reporting agency has different information? the account number for the ( SELF ) account does not match between all three credit reporting agencies the payment status for the ( SELF ) account does not match between all three credit reporting agencies the date of last active for the ( SELF ) account does not match between all three credit reporting agencies the payment history for the ( SELF ) account does not match between all three credit reporting agencies ( 24 months ) after previous dispute, ( SELF ) illegally shuffled dates around
03/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AL 35405	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX Account Number : XX/XX/2023 To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains [ a late payment/payments ] reported on XXXX XXXX for my Self account. I want you to know that I understand my financial obligations, and if it werent for me being sick in the hospital from XXXX, Id have an excellent repayment record. I made a mistake in falling behind, but since then, Ive regained my strength and my health is better than ever. Ive been working full time and have gotten back financially steady. Since then, Ive had a spotless record of on-time payments. Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments on my self credit account Thank you for your consideration, and I hope youll approve my request. Best, XXXX XXXX
07/01/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	FL 34205	Web
I took out a Self Lender Loan in XXXX of 2019. During the course of this loan I built up principal and they allowed me to get a secured card utilizing the principal balance as security for the card. I always made on time payment so I could build and establish good credit. I decided to payout the loan XXXX months early. I paid them the full amount XXXX requested on XXXX. On XXXX they billed me XXXX and I paid. Several weeks later they paid me the balance of the money owed to me after satisfying the credit card they issued. This amount was XXXX. Then they hit me with a late fee XXXX associated with the credit card and reported me as late. I looked up my account and the credit card was removed from the dashboard so I assumed this would clear itself up. I then got another bill for XXXX now two late fees. I have contacted them and they have apologized and said they could clear this then never followed up. I now have paid them an additional 30.00 and have two late payments on my credit report because of their mistake. Furthermore I have disputed the negative marks on my credit and they stand by their actions to negatively affect my credit for their mistake.
03/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	TX 787XX	Web
I have an open account with your company Self Financial that was opened a few years back. Unfortunately, in XXXX of 2022 I was 30 days late. I have tried to ask for a goodwill letter based on the long-standing relationship I've had with Self and the fact that I was in a tight financial situation, but I was not very successful with this request. I am hoping that by reaching out to someone of higher authority that you would be able to assist me with getting the late payment removed from my credit report as it is causing me extreme hardship. I do believe that customer service is limited as far as customer requests are concerned, and I know that they are only doing their job. I want to insert that paying late was not intentional and I have been current ever since and my credit report will show that. We are all human and sometimes have misfortune, and I am asking to be forgiven for this mishap. I have really enjoyed my relationship with Self and would love to continue doing business. I hope that you can forgive my shortcomings and help me with this late payment removal. I really hope to hear a favorable outcome from Self Financial. Thank you for your time.
09/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 44105	Web	Servicemember
I opened a credit card account with Self lender! It was opened XX/XX/XXXX! I got my card XX/XX/XXXX! According to their billing cycle! All payment must be made by the XXXX or end of the month! That means in XXXX they will report what happen in XXXX! XX/XX/XXXX I had my card almost paid in full! XX/XX/XXXX they reported the card my the way it was supposed to XXXX dollars owed with a limit of XXXX! On XX/XX/XXXX they reported again and back tracked the information! Saying the card was XXXX owed with a limit of XXXX! Making my account looked maxed out! I disputed the fact and they still verify a maxed out card! I have not used the card and paid the XXXX dollars even before XX/XX/XXXX! Everything should be a XXXX balance! I lost 34 points because of it! XX/XX/XXXX! They reported the same thing again! They are sending the 3 bureaus different information and refuse to do the right thing! Its all in Black and white and I cant get them to respond! I disputed it again and they verify another lie on my credit! XXXX says on thing then XXXX says another and XXXX is wrong too! Ive made a complaint to the XXXX and my mortgage lender see the mistake as will!
08/30/2023	Yes	Credit card General-purpose credit card or charge card	Struggling to pay your bill Filed for bankruptcy	MA 01906	Web
Bankruptcy XXXX XXXX was filed on XX/XX/XXXX. Self, Inc was listed as a creditor and notice was sent. After a few days and no changes made to credit bureaus, I reached out to ask about the situation. I received an email on XXXX with a case number and letting me know that I would get a follow up " within 5 business days ''. After more than 2 weeks had past I called again to inquire. I had to explain everything over again and provided them with bankruptcy paperwork. Self closed my account on XXXX at consumer request instead of included in bankruptcy. That caused the deposit I had given them to be applied to the account balance instead of returning to bankruptcy trustee. I noticed that I still have access to the account online- now I see that I have been accruing fees, interest and Self , Inc has in asked for me to pay the remaining balance after the deposit to close/clear the balance. I have a total of 3 cases with Self. I have asked for a call back from supervisor many times. I have a missed call on XXXX. I got an email saying they had tried calling and that if I still needed help to reply to the email. I did and it was a non-reply email.
11/22/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or misleading advertising or marketing	CA 95822	Web
Ive paid into a self credit builder account since last XX/XX/2021, a Company called XXXX XXXX. the catch was if I made payments of XXXX each month automatically deducted from my bank account each month within a year, the company was supposed to report to all three credit bureaus to help me build my credit after sometime. When the year is up and I have paid the account off the credit company supposedly Claim they would send the balance that I have paid into for the year, they would send it back in a check. Anyway I decided to pay the account in full even before the time period ran out. After I paid in full they closed my account immediately to keep the deposit of almost XXXX and claimed I had XXXX late payments which was untrue I always used the same payment method each time and the kindly took my money over and over. They closed my account immediately so that would be it would not have to pay me anything. this is a scam what can I do Im a XXXX XXXX trying to get on my feet from an apartment fire. please help. The Company is Called XXXX XXXX they need to be stopped, this is damaging to my credit all while I was trying to build my credit.
10/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 302XX	Web
REMOVE THIS COLLECTION IMMEDIATELY,15 USC 1681A 2B, ANY OTHER PURPOSE AUTHORIZED UNDER SECTION 1681B OF THIS TITLE. 2 EXCLUSION- EXCEPT AS PROVIDED IN PARAGRAPHS ( 3 ) THE TERM CONSUMER REPORTS DOES NOT INCLUDE ( a ) SUBJECT TO SECTION 1681-3 OF THIS TITLE, ANY ( I ) REPORT CONTAINING INFORMATION AS TO TRANSACTIONS OR EXPERIENCES BETWEEN CONSUMER AND THE PERSON MAKING THE REPORT ; COMMUNICATIONS OF THAT INFORMATION AMONG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE. THE INFORMATION MAY BE COMMUNICATED AMONG SUCH PERSONS AND THE CONSUMER IS GIVEN THE OPPORTUNITY, BEFORE THE TIME THAT THE INFORMATION IS INITIALLY COMMUNICATED, TO DIRECT THAT SUCH INFORMATION NOT BE COMMUNICATED AMONG SUCH PERSONS ; ( B ) ANY AUTHORIZATION OR APPROVAL OF A SPECIFIC EXTENSION OF CREDIT DIRECTLY OR INDIRECTLY TO A CONSUMER CONVEYS HIS IR HER DECISION SUCH NITICE MAY BE GIVEN TO A CARDHOLDER, Y PRINTING THE NOTICE OB ANY CREDIT CARD, OR ON EACH PERIODIC STATEMENT OF ACCOUNT, ISSUED TO THE CARDHOLDER, OR BY ANY OTHER MEANS REASONABLY ASSURING THE RECEIPT THEREFORE BY THE CARDHOLDER. ( I ) THE TERM CREDIT CARD MEANS ANY CARD XX/XX/XXXX
09/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 701XX	Web
I have recently reviewed my credit report and I have noticed several late payments on XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act 15 USC 1666b -A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. According to the the Fair Credit Reporting Act 15 USC 1681i ( 2 ) ( A ) ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( F ) - The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the XXXX XXXX XXXX XXXX XXXX XXXX pandemic during the covered period.
04/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	RI 02909	Web
I never opened these accounts : Account name XXXX XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Account name XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$440.00} written off. {$440.00} past due as of XX/XX/XXXX Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$910.00} written off. {$910.00} past due as of XXXX XXXX. Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$130.00} written off. {$130.00} past due as of XX/XX/XXXX. Account name SBNASELFLNDR Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. Amount {$530.00} Account name SELF FINANCIAL/XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. Status updated XX/XX/XXXX XXXX {$530.00}
04/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Problem with customer service	MI 48089	Web
My name is XXXX XXXX, Account number : XXXX Loan : XXXX CD : XXXX Issuing bank XXXX XXXX XXXXXXXX. Estimated Payout : {$520.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI, XXXX Social Security Number : XXXX Since XX/XX/2023, My self credit builder account has been closed and after submitting documents required by self to verify my identity they have still been reviewing my account for over a month now, although my payout should have been sent to be by XX/XX/ 2023. I have contacted Self several times through email and have also called customer support, when emailing them I get the same message claiming that they can not tell me how long the review process will take and will not let me know if there is any further documentation or verification I can submit. When I call customer support I am told that the department that handles the reviews is not available to talk on the phone at all and will not be taking calls in the future whatsoever. I have done everything on my end to get my money released back to me but to no avail. If there is any way I can get any further help with this issue please let me know
12/08/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	DE 19701	Web
I closed my account with Self the second week of XX/XX/XXXX. I received an email acknowledgement that my account was closed. The email stated that I would receive a refund via check. I contacted Self on XX/XX/XXXX to report that I had not received my check. I was told that a direct deposit would be processed. In the meantime, received the my heck on XX/XX/XXXX. I contacted Self to report that I finally received my check and asked if I could deposit the check into my account. I received a message from a Self XXXXe that said that I could cash the check or deposit the check into my bank and that they were happy to hear that I received my refund. I deposited the check and Self had placed a stop payment on the check. This caused me to incur an returned check fee of {$20.00} on XX/XX/XXXX. My refund check was for {$18.00}. Self reached out to me and asked that I send them a screen shot of the returned check fee. I sent them the screenshot. I've asked for an update on this and no one from Self is responding. For every day that my account remains over drafted, I run the risk of incurring additional overdraft fees.
10/02/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	PA 19018	Web
In XX/XX/XXXX I open a account with the credit builder company Self inc. in XX/XX/XXXX The amount of {$730.00} was supposed to be paid out to me from the credit builder company. I never received the payout and the credit builder was reporting on my credit that I still owe them a balance on the prepaid credit card. I tried multiple times to reach out to them via chet on the mobile app and was unsuccessful. My plan was to take The {$730.00} to pay off the prepaid credit card then cancel the account myself. Ultimately in XX/XX/XXXX the credit builder close the account they took {$650.00} from my payout to pay on the prepaid credit card. Instead of paying off the credit card with the {$730.00} payout. The credit builder sent {$75.00} to my checking account, which leaves me with a {$67.00} pre-pay credit card bill that is reporting negatively on my credit report. I spent the last XXXX years making on time payment to build my credit through this credit builder and at the end of terms they didnt agree to the terms and negatively affected my credit which voided out all the credit Ive built in the past two years.
08/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Unexpected or other fees	CA 91423	Web
Self incXXXX contract started by {$9.00} charged in XX/XX/XXXX {$150.00} charged in XXXX XX/XX/XXXX but this is less than minimum payment because they deduct interest which was 14 % I believed but they deduct {$21.00}. And they applied late fee because I did meet minimum payment. {$150.00} charged in XX/XX/XXXX but I didnt go thru. But if they charge XXXX it would be late for sure. XX/XX/XXXX, contract said on XXXX every month they tried to charge {$320.00} but failed so they said to add {$15.00} late fee again haha oh and report credit score as well XX/XX/XXXX they charge {$480.00} and successful. So they which I had no problem except they failed to charged on XXXX as they listed in our contract. XX/XX/XXXX they charged {$700.00} but failed. Again failing to charge the date they promised Then no more, they returned to my account. They refund me partial of money but reported me as late payment. Again not XXXX every month. They stopped our contract. Here is my point. They had breach our contract. I didnt even care how much they would charged but they failed to do so until XX/XX/XXXX as they promised.
05/28/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	GA 30019	Web
I had a CD-secured loan account with Self Lender for 2 years. After 2 years ; Self guaranteed that when your loan is paid off after the chosen term, you can withdraw the money you borrowed, plus interest, from the CD. This loan was paid of XX/XX/2020. Early-Mid XXXX ; Self claims they mailed my funds via check to an old address on file. I updated my mailing address via my account portal as asked. Self stated they could not do a direct deposit which is one the option. Have reached out to them several times via phone and via email. Self promised my refund had been mailed. I emailed Self on XX/XX/XXXX stating I have not received my payment. XX/XX/XXXX, Self responded back that they see an address change on file but there was no communication to issue a refund and they apologized for the miscommunication with their representative. NOW they offered the Direct Deposit option. I was promised that the process would take 1-4 business day for me to receive my refund. It was been 7 days excluding the XXXX XXXX holiday. I have never been late on payment as SELF did auto draft to my checking account every month.
06/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	PA 166XX	Web	Servicemember
I opened a credit builder account with Self financial services in XXXX of XXXX. It was at this point when all the information I provided was verified. I began making payments and in XXXX of XXXX opened a credit card account with said services. I continued to make all payments on time. This went on until XXXX of XXXX when I received an email stating that my accounts would be closed. The reason they said was that my information couldnt be verified. This is a lie because all of my information was verified when I opened the account and nothing changed. The email said that they would pay out all the money I was owed within 14 days. Its now been a month and a half and I still havent received the money. Ive called and emailed them several times and have been unable to get any results about what information couldnt be verified or when I will receive my money. Ive since found out through XXXX that this company is known for doing this. I believe this is a scam in which they take peoples money and put it in high yield interest accounts in order to profit before returning the money to the people its owed.
04/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	RI 028XX	Web
On XX/XX/XXXX, I received an email from XXXX claiming that a new account was recently opened in my name at sbnaselflndr. I never opened that account nor did I authorize anyone to open it in my name. I immediately looked up then contacted the company, which turned out to be XXXX and/or sunrise bank. Their outgoing phone message claimed that they never handle fraud disputes by phone and gave an email address to contact them with these matters. I immediately emailed them on XX/XX/XXXX by email using their directions. Days passed and I still hadnt heard back from them. On XX/XX/XXXX I started a dispute against the fraudulent account through the XXXX website. A day later XXXX emailed me back to tell me that they did not agree with my dispute and the account indeed belongs to me. Then I tried submitting a dispute with XXXX, and again, a day later XXXX told me that the account truly belonged to me. I am at a dead end. The company, XXXX or Sunrise Bank, never returned my email after 7 days of waiting. There seems to be nothing I can do at this point and Ive turned to CFPB to help resolve the issue.
11/13/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Delay in processing application	MD 20814	Web
I opened a credit builder account with the Self Lending website in XX/XX/2020 which states that after paying {$25.00} a month I would be able to build a credit history though a " loan '' and apply for their secured card. The requirements defined on their website to apply for the secured card is 1 ) a Self account, 2 ) {$100.00} in savings progress ; 3 ) three on-time payments - all of which I met. Supposedly, credit score is not a factor in eligibility in this program. I have met all the requirements but when I inquired why I could not apply I was told that I still owed XXXX cents to bring my savings progress balance to {$100.00}. After my last complaint to the Bureau, they reduced the savings progress from 100 % on the dashboard to 99 %. NOW, the account has more than {$110.00} and I am STILL not able to apply. They withdrew {$18.00} from my account on XXXX XXXX and have been holding it as " pending '' ever since. Normally, deposits are made and posted in less than two days. On the dashboard for the account, it says I meet all the requirements to apply for the card. So why can't I?
11/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Problem with personal statement of dispute	GA 30087	Web
Self has neglected to fulfill the resolution outlined by one of its representatives during my inquiry about my previous account. Despite being provided with specific steps for resolution and subsequent actions, Self has not followed through. I urge a review of the recorded call, as I possess evidence of the conversation and am prepared to pursue legal action if necessary. Two months ago, a representative assured me that upon settling the old account, I could register for a new account, leading to the removal of the old account from my credit report. However, Self has failed to honor this commitment. Despite presenting itself as a credit-worthy company dedicated to assisting those with lower credit scores and aspirations, Self 's actions contradict its mission, causing more harm than good. The persistence of this account as a negative derogatory entry is impeding my personal goals and subjecting me to unwarranted suppression. Additionally, it raises concerns about the credit laws that may inadvertently support such suppression and unfairness perpetuated by credit furnishers like Self.
04/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 604XX	Web
In accordance with the Fair Credit Reporting Act ( FCRA ) ; XXXX BANK SELF LENDER, SELF LENDER INC, and XXXX XXXX XXXX has violated my rights on multiple accounts under 15 U.S. Code 1681 section 602 which states I have the right to privacy, 15 U.S. Code 1681 section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666b ( a ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I have disputed this several times in attempt to correct the inaccurate information that is being report, however XXXX BANK SELF LENDER, SELF LENDER INC, and XXXX XXXX XXXX has yet to correct the account which violates 12 CFR 1026.13 ( d ) ( 2 ) that states the creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
03/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 45231	Web
I contacted self financial on XX/XX/XXXX regarding the closed account XXXX reporting to the credit bureaus. The account was being reported as 60 days past due. I requested for them to remove all late payments and update the account as current. I received an email from them on XX/XX/XXXX approving my request. Well, self updated XXXX and XXXX as agreed but did not update XXXX. Instead, a late payment for XX/XX/XXXX was added to my XXXX report. This was impossible because because the account closed in XX/XX/XXXX XXXX. I sent them several emails requesting that XXXX be updated as discussed and agreed, I got no response. I made a phone call and was told someone would call me back, no one did. On XX/XX/XXXX I received and email from self advising that another correspondence was being sent to the credit bureaus to updated my account accurately. Well, thats not what happened. The late payment were added back to my XXXX report and the late payment for XXXX was still showing on my XXXX report. I called again and no one would help me. I sent another email and received no response
06/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75052	Web
Ive recently checked my credit report and I see there are accounts that Ive never opened and I need them removed IMMEDIATELY! My grandmother that I used to live with XXXX XXXX open this account using my information trying to so call help me when I never asked for this account open.I never knew about this account till now I had a problem going on where she was using my information so I couldnt move and leave her home so when I do ever go to get a apartment I cant because of her messing it up and the police got involved and she lied multiple times. She has opened multiple accounts in my name even a loan and I dont know how to even get a loan I just turned XXXX. Please remove this from my credit report. Self Ive called yall about a late payment because She messed it up she has access to all my information Ive mad a police report because shes trying to mess my life up since I left her home.she had access to my bank account since I was connected to her bank account before I was able to make my own. Remove the late payment from my credit report or close the account and remove it.
06/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 452XX	Web
I conducted a consumer credit transaction with Self Financial , Inc. which claims to help improve and/or boost a consumers credit score. This type of transaction required a finance charge which was the sum of all payments including the ones I initially made and the payments in the future. Once I discovered this I reached out through email to inform the of the firsthand knowledge I had discovered but there was no understanding. After they had gave me false and misleading representation of the facts at hand I was deceived to believe I should lousy close the account so I did so. Then some time later i got a XXXX account to check my credit scores and this transaction was reported as closed. The problem is that I covered the finance charge on the extension of my credit and through the finance charge which covered the whole loan their is supposed to be a 12 month positive on time payment history never late but its not reporting as so. I tried to dispute thus with them through XXXX but I got no results at this point I would like to sue for the fines of all the violations committed
07/15/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	WA 99208	Web
Beginning XXXX XXXX I emailed my first request for Self to close my account at that time I would have had {$130.00}. left over. XX/XX/XXXX I received an email saying I needed to confirm so their bank would close and once it is done it can not be undone. I sent a confirmation email stating to close account and cancel card. On XX/XX/XXXX I again received an email saying I needed to confirm. I confirmed again and on XX/XX/XXXX I received another email saying I needed to confirm. The same activity occurred on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. By XX/XX/XXXX I'm becoming angry. Self had taken money from what would have been leftover for fee 's and interest. On XX/XX/XXXX I received an email saying that the account was finally closed and card was canceled at this point Self had taken all of my leftover money and began charging me. Last time I saw an email from Self it said I now owed {$23.00}. This company claims to help raise a person 's credit score. Whats allowing them to do this to people like myself.
11/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07306	Web
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and fidentiality under 15 USC Account # XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 u.s.c. 1681 section 602a. States I have the right to privacy. 15 u.s.c. 1681 section 604 ( a ) Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 15 u.s.c. 168 ( c ) ( a ) ( 5 ) section states No consumer reporting agency may make Any consumer reports containing any of the following items Information any other advise items of the information other than the records. Of the convictions of crimes Which antedates the report of more than 7 years. 15 u.s.c. 1681-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer To any consumer reporting agency If the person knows XXXX has reasonable cause to believe that the information is accurate
02/09/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	FL 339XX	Web
There are multiple problems with this company, but I could only choose one. This company accepts very limited means of payment and I had just moved and could not access all of my money to pay them in a way that they accepted. The most appalling thing about this company is that they do not close their accounts when asked to do so. They require you to ask two times and they show late payments on your credit report despite this. It is not clearly stated ( or even stated anywhere ) that you need to go through a two step process to close your account. It is predatory and the effect is to place late payments on people 's reports and harm their credit, not help people 's credit as they claim. It is harmful. This is a CD loan intended to help people, but they are lying it is predatory. Their practices are harming people 's credit through no fault of their own. They basically claim people are so stupid they need to protect you from closing your own account with them. They should be allowed to practice in this fashion. They are harming many people the way they conduct business.
11/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07306	Web
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and fidentiality under 15 USC Account # XXXX. XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX Has violated my rights 15 u.s.c. 1681 section 602a. States I have the right to privacy. 15 u.s.c. 1681 section 604 ( a ) Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 15 u.s.c. 168 ( c ) ( a ) ( 5 ) section states No consumer reporting agency may make Any consumer reports containing any of the following items Information any other advise items of the information other than the records. Of the convictions of crimes Which antedates the report of more than XXXX years. 15 u.s.c. 1681-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer To any consumer reporting agency If the person knows Or has reasonable cause to believe that the information is accurate
10/23/2023	Yes	Credit card General-purpose credit card or charge card	Closing your account Can't close your account	IL 604XX	Web
Opened secured credit builder account with Self credit card in XXXX requiring a security deposit. Company sent notice of account closure on XX/XX/XXXX. Was informed any balances owed would be deducted from security deposit and the balance of that would be mailed to me via a check. Received the check in mid XXXX of XXXX of {$640.00}. However, account was never closed. Self is stating i owe {$160.00} which is the result of interest and late fees that has accumulated over the past 18 months due to Self refusing to close the account. they are telling me they will not close the account until I pay the interest and late fees. They have been reporting me to the credit bureau as late and missing payments on an account that should have been closed with a {$0.00} balance. I have requested they close the account to which they are stating they will close it once I make the payment. I have requested they remove the additional fees which they refuse. This is fraud. Im being charged bogus fees and if I do no pay them, they will continue to report me negatively to the credit bureau
03/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	FL 33162	Web
When I first signed up for Self I paid three months in advance. My account was originally supposed to end in XXXX of XXXX, however, since I paid three months prior, it ends in XX/XX/XXXX. Self is reporting to the Credit Bureaus that I have been late for the Month of XX/XX/XXXX BUT as I stated before, I paid three months prior. So youre meaning to tell me my account ends early since I paid three months in advance but its not eligible to be reported as PAID in XXXX. It makes no sense whatsoever! I have sent a GOODWILL request to remove the FALSE INFORMATION that is being reported but theyre not complying. Theyre stating my account is only eligible to be paid one month in advance. If thats SO TRUE, why is my account ending in XXXX OF XXXX if its supposed to end in XX/XX/XXXX if you all dont accept three months in advance payments? This FALSE late payment on my credit profile is hurting my reputation to other companies when in fact I have paid my account not only ON TIME but 3 months in advance early! Please have this issue resolved as it is not fair and accurate to me.
12/04/2023	Yes	Credit card General-purpose credit card or charge card	Closing your account Company closed your account	GA 30114	Web
this is my CONDITIONAL ACCEPTANCE. On XX/XX/2023 I received an email stating my account had been closed by SELF/ LEAD BANK. I called the company on XX/XX/2023 to let them know I would need my cash/federal notes returned to me that I applied to the accounts before I understood how to make my payments correctly to my account. I was told by " XXXX '' a representative for the company, that they would not be doing that. So, I conditionally accept you closing my account if you can prove the following claims : 1.The account number I gave you did not discharge the debt on the day of payment 2.there is lawful money per the Constitution 3.Making Principal pay wit debt notes does not force principal to commit a tort. You have 10 days from receipt of this conditional acceptance to prove these claims or you will be in default and this will become a security that will create a lien for XXXX XXXX dollars or until you reverse the closing of the account and return to me my federal notes. without ill will or vexation XXXX XXXX XXXX, secured party for the XXXX XXXX XXXX XXXX
08/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Unexpected or other fees	IL 60616	Web
Self Lender is a scam company and I'm in the process of taking legal action if this can't be resolved amicably. I at one point had both the lending account and the credit account. In order to qualify for the credit account you have to have 1 ) good payment history and 2 ) a certain amount " saved '' to " secure '' the line of credit. All in all ; all my money. Though I tried to hang on covid ran my business into the ground! I realized it was too much and I closed both accounts. On a recorded line ; their representative offered to waive my late payment fees, apply my existing savings, and XXXX out my account as a courtesy. On top of that ; they sent me a check for XXXX meaning with the credit there was still a positive balance.I decided to try again with a new smaller account and come to find out ; they been charging me late fees for MONTHS and reporting me for having missed payments. I told them via email this conversation took place with my XXXX and that they should run the call. I say this so they can fix this before it becomes huge. They blatantly ignored me.
03/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IN 46360	Web
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX, has violated my rights 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years, 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate
05/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or misleading advertising or marketing	MO 641XX	Web
I've been receiving miscommunication on processes and timelines for receiving my payout for a process that I was told I would be able to " go around '' if I closed the accounts. Today, after multiple phone calls and " escalations '' I received an email after have confirmed multiple times that my accounts were already closed that they are closing them today and that my account is under review AFTER I've submitted their requested documents reluctantly. Today the person I spoke with shared with me that I am wasting my time because there is no timeline in sight for a resolution and if it did take three months to a year, it would have to take that long. I initially educated on a 10-15 day timeline. Once I called back to follow up, I was then given a 1-2 day timeline for their team to review my documents. Now I'm being told there is no resolution in sight. None of this makes sense when I paid off my accounts. I was educated that this process would take 10-15 days and now I'm being told there's nothing that I can do to receive my money back from a service they offer.
02/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 90032	Web
I gathered the supporting document that XXXX wanted to see. I had submitted with the a certified mail tracking number with returned receipt on XXXX XXXX 2022 this was last year. I have never heard back from XXXX on investigating the obvious inaccurate and incomplete item entered on my XXXX XXXX consumer report. not only is the credit limit inaccurate, the payment history for XX/XX/2022 is incomplete. the remark section was never marked as " consumer disputes this account '' Its been more than 60days and nothing. FCRA clearly says that everything on my consumer report must be 100 percent complete,100 % accurate and 100 % verifiable.. I have attached the document from SELF FINANCIAL INC/ LEAD BANK XXXX that shows the correct credit limit of {$520.00} and the balance owed of {$210.00} 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
09/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37207	Web
15 U.S. Code $ 1681c-2 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 an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion of the accounts listed IMMEDIATELY!
06/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30542	Web
15 U.S. Code $ 1681c-2 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 an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
03/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	GA 30319	Web
Yes I got an account with self Inc credit repair I completed it on XX/XX/XXXX and I will include and screenshot of the verification where it says that I was going to be deposited into my account on XX/XX/XXXX I have yet to receive it I have contacted him several times to no avail they have blocked it to where I can not chat with them they won't return any of my phone calls they won't return any of my emails the last time I spoke to someone was on XX/XX/XXXX and was told that it would be whenever because they were doing a review on it I said no I have verification where you said it would be deposited on the XXXX they are in breach of contract with me and I've given him plenty of ample time contact you know to see if y'all can help resolve this because the next step I'm taking is a lawyer they owe me {$540.00} and I don't think it's right for them to have a business like this if they're not going to uphold the standards of a contract that's legal and binding because had I filled to oblige to it I wouldn't get anything or they could sue me how is that right
06/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33319	Web
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account # XXXX XXXX To Whom It May Concern : Thank you for taking the time to read this letter. Im writing this letter because I noticed that my credit report contains late payments reported on ( XXXX XXXX XXXX XXXX for my SELF/LEAD BANK Account, I want you to know that I understand my financial obligations, and if it werent for the pandemic of covid-19 and the loss of my grandmother through the virus, Id have an excellent repayment record. I made a mistake in falling behind, but before then, Ive had a spotless record of on-time payments. Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments. Thank you for your consideration, and I hope youll approve my request. Best, XXXX XXXX XXXX
10/26/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75071	Web
Disputed account with XXXX- XX/XX/2021 Received a response from Self Financial asking to email the resolutions team- XX/XX/2021 Contacted Self Financial Inc about an account on my credit report. I was sent an email stating that they could not find my account and to contact their resolutions team at XXXX with the account number or the last 4 of my social. I contacted them via email and was told that my account could not be found, because the email address that I was writing from is not what they had on file. I asked what needs to be done, and they asked for me to call Self and get it taken care of.- XX/XX/2021 I called Self Financial and received the run-around, saying that they could not find the account, after giving them my full social and personal information. The representative then sent me over to XXXX to dispute the account, and XXXX just updated the information. I have been getting the run around with this company for months with no means of verifying the debt is mine. I need this item deleted from my credit report immediately. - XX/XX/2021
02/22/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	VA 201XX	Web	Older American
I signed up for a Self secured credit card. They are holding {$200.00} of my money as security. I never received the card, it was never active yet they charged my bank account a {$25.00} minimum payment. The balance was XXXX and they charged {$25.00} and do not show a credit. This is in addition to an annual fee of {$25.00}. ( Two separate charges ). I spent XXXX minutes on the phone explaining this to them but the agent tried to convince me for XXXX minutes that the minimum payment deducted was actually the annual fee. I called them back later to close the card but i was bounced around from department to department, but no one would close the account and refund the {$220.00}. I tried again later and it was the same situation. I do not have the card number because i never received it. In my opinion self.inc is a business acting fraudulently and should not be allowed to operate a credit card company. I am sure that you had many other complaints. I would like to get my money back and hope you will restrict them from operating a credit card scam.
12/01/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	TX 76116	Web
I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, have a closed account reporting on my credit report from SELF FINANCIAL , INC . d/b/a SELF through XXXX XXXX due to late payments. I am writing this in regards to Account # XXXX and transactions. At the time of the occured late payments, I was having financial issues due to me not getting enough hours at work to pay all of my bills. While I make every effort to pay off my debts and fulfill my financial responsibilities, in this instance, I was in this circumstance, unfortunately, unable do so. I have since, been put in a much better position and was able to fulfill my duty to pay off my balance before the account closed. Due to this closed account reporting on my credit report, it is greatly impacting my credit score. I take full responsibility for these late payments and would like to sincerly apologize for my inconvinence and frustration this has caused you.
11/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 751XX	Web
I have an account that is not in FCRA COMPLIANCE. They are not reporting accurate information to the credit bureaus. I have disputed it and it has came back that it is following the fair credit act. But in fact XXXX is not reporting accurately at all XXXX has it as a closed account, XXXX as an open account and XXXX as a charge off. The current balances are different on all XXXX reports. XXXX has XXXX, XXXX has XXXX but XXXX has XXXX. The original balance is the exact same way. XXXX and XXXX have that I am 120 days late in the status but XXXX has collection/charge off. Not one of the date opened are the same date nor is the reported date. Charge offs should not have late payments attached to them because they are late by default. This is far from accurate information that this company has posted on my report. It violates the FCRA compliance to have 100 % accurate information and only XXXX reported to my report. This has affected me from getting loans, homes and I need it to be removed from my report. So they can stop violating my rights.
07/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90274	Web	Older American
Received an email from XXXX XXXX indicating new activity on my credit report. I reviewed my XXXX, XXXX and XXXX XXXX and identified a fraudulent {$720.00} loan was established on XX/XX/2023 with Self Financial Inc./Lead Bank , which caused a slight drop in my credit rating. I have filed investigation requests with all three credit bureaus. I've also contacted Self Financial Inc. to request an investigation on their end ; the representative suggested that I also submit a report/complaint with the FTC at XXXX. due to concerns of identity theft and fraud. Note : I am told that loans are established with Self Financial Inc. by individuals needing to establish credit. I have over 40 years of ( excellent ) credit history thus have no need for the services of an entity such as Self Financial Inc . Please also note that a few years ago, the system of the entity that I worked for was breached and as a retiree, I was notified that my information could potentially have been accessed/compromised along with other current and former employees.
12/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75165	Web
I am writing to dispute late payments listed on my credit report that is reported in XX/XX/2021. Under the provision of 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act, I am formally requesting validation of the debt associated with these late payments attached in document. I believe that these late payments have been reported in error, and I request a thorough investigation and verification of the debt. If the debt can not be verified, I demand that the associated late payments be removed from my credit report immediately I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
04/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	CA 92114	Web
So about a month ago, My Self Lender Credit Builder Account was hacked and my email and password was changed, so I contacted Self to notify them that my account had been hacked. Once I regained access, I noticed that there were multiple debit/credit cards attached to the account from an address in Texas that a random guy I dont know who used to do several payments and purchases for a phone game, XXXX. I notified Self and they ended up just closing my account, not being aware that this would indeed affect my credit score badly, they did not provide me with any further help when I needed it most. On top of that, my phone service was off for a while, so I was unable to call them, and only Email them. I have put over {$350.00} into my Credit builder account that just got randomly closed as well as my credit score being destroyed due to the fraud and hacking that took place. Please I need my credit score back! Help me! I checked online and there were a lot of cases of people being hacked on the same platform in the month of XX/XX/2022.
06/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	TX 76116	Web
I checked my credit report on XX/XX/2022 and noticed that my whole Self tradeline account has been removed from my credit report of XXXX, XXXX, and XXXX. In Self 's XXXX XXXX XXXX complaint case number XXXX reply, Self stated that the tradeline was removed due to a request being sent to remove the tradeline from my credit report, but I never requested for the whole tradeline account to be removed. In CFPB Complaint Case Number XXXX, XXXX stated that an investigation was initiated due to the Self Financial/ Lead Bank account being furnished fraudulently, and in response Self deleted the tradeline account from my credit report. I understand that confusion was present during this investigation concerning this matter. I never stated that this account was furnished due to fraud or that the account itself was fraudulent. I requested that all late payments that are on the tradeline to be deleted and updated to paid as agreed and a deletion of those late payments, not the tradeline account, be submitted to all credit reporting agencies.
01/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90278	Web
Re : Unauthorized Credit XXXX & XXXX XXXX error To Whom It May Concern, In XX/XX/2022, I received a copy of my credit report. The credit report showed a credit XXXX error by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an XXXX on my credit file, unless I have authorized it. Please have my fico score points restored back to my credit file where my fico score was before your error/mistake was made immediately, because it is making it very hard for me to acquire credit. I am also requesting that you request a rapid rescore on my behalf from XXXX. I have also sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you've restored my decreased fico score points. If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary. Thank you, XXXX.
07/19/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Old information reappears or never goes away	NC 283XX	Web
This company offers credit building. I used my own money and secured XXXX separate loans under Self Lender. ( # XXXX & # XXXX ). Self Lender disbursed funds under two separate names : The 1st was Self Financial Inc./Lead Bank # XXXX and the 2nd was XXXX XXXX Self Lender XXXX XXXX. I made monthly timely payments that were drafted from my debit card monthly. I called the company to update my debit card so that they could continue taking the monthly payments and they did not update the information. Their error caused late payments on my account. I was not aware they had not updated my account until recently when I saw my credit report. I disputed the information because its an error on their part. Self Financial Inc ./Lead Bank XXXX XXXX Self Lender added additional late payments to accounts that were closed in XXXX and XXXX. This was retaliatory, incorrect and malicious. I paid my debt. They should not be able to reopen a closed account nor should they be able to add fraudulent information two years after the account was closed.
09/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA XXXXX	Web
My name is XXXX XXXX and i have paid off 2 seperate self credit builder loans and now i have a 3rd one that was opened at the same time as the second one that i paid off and its reporting to my credit report as delinquent as 80 days and bringing my credit score down. I called in XXXX to get it corrected and they told me wait 30 days, so i did and now its reported again as delinquent on my account. I called twice toda on XX/XX/2023 to try to resolve the issue and was told that the deliquent account isnt even attatched to my social security number and has a whole differnet social security number, meaning you guys have reported someone elses deliquent account on my credit report and have violated my consumer privacy laws. This will be one of the last times reaching out before i reach out to my attorney again my name is XXXX XXXX, i currently have a secured self credit card open with you guys too the FRAUDULENT acoount you guys reported to the credit agencies XXXX XXXX CAN YOU PLEASE RESOLVE THIS AS SOON AS POSSIBLE? thank you
01/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	CA 92507	Web
I received a letter from the company listed below stating that the following accounts where verified & that a through investigation was done. How did they do a through investigation when according to the FRCA the term investigate conusomer report mean a consumer report or portion thereof in which the information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or others with whom he is acquainted or who may have knowledge concerning any such items of information. So how was there a through investigation done if they did not interview any one & provide that information this is a violation of my rights according to the law. I demand that the accounts be removed immediately. Also every piece of information on these accounts is still not reporting 100 % accurately & according to the FRCA 15 U.S.C 1681 everything has to be 100 % accurate. Accounts : Self/Lead-XXXX Selfinc /Lead-XXXX
11/23/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78634	Web
Company reported this account as late which violates my rights under FCRA. This account was never late in addition I am the actual creditor so for this company to report anything as late on a secured account that was funded by me is fraudulent in nature. 15 US Code 1666b In accordance with FCRA, ( SELF LENDER ) has violated my rights. 15 US Code 1681 section 602 A states I have the right to privacy. 15 US Code 1681 section 604 A Secrion 2 : also states a consumer reporting agency CAN NOT furnish an account without my written instructions. I have not given anyone authorization to report said accounts. 15 US Code 1666 B- a creditor May not treat a payment on a credit card account under any open end consumer credit plan as late for ANY purpose. 15 U.S. Code 1692C -communication in connection with debt collection I contacted company to request that they not only correct the erroneous late reporting. Company has refused to correct this which is affecting my credit rating and reputation as well as my debt to income ratios.
09/19/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	MD 21221	Web
On XX/XX/2020 I received an e-mail that informed me that I needed two forms of ID after I attempted to close my credit builder account with Self Financial. The e-mail stated that Self Lender 's banking partner requires two forms of ID to close the Credit Builder Account and to close the Secured Credit Card. I submitted a copy of my driver 's license and informed them that I could not send a copy of the debit card they were requesting. As of today I have not received the funds that are in the account and I am not able to " close '' this account due to the fact that this bank is asking for a photo of a debit card that I no longer have. I recently submitted two forms of ID, My driver 's license and a photo of a debit card that is linked to a current checking account. I received an e-mail today stating that the compliance department still needs a copy of the exact debit card that was previously requested, which I do not have. I have already submitted those two forms of ID and I am still not able to get this account closed.
09/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32817	Web
I would love to think that a Company founded by a CEO whose own personal challenges with Credit, would make its money on the backs of people who are on their own credit restoration journey. It is disappointing that after having THREE separate accounts, ( all paid off ), would then report an inaccuracy to my credit report once you have satisfied your debt. He claims to have his company work towards a solution to fix the problem with Credit and credit scoring, yet this company is the reason why so many who believed in his solution are being set up to fail! Furthermore, the inability to communicate with the " Customer Service '' at Self Lender is the absolute reason why I am in the predicament that I am in. I am beside myself that a " late payment '' towards YOUR OWN MONEY can diminish all of your hard work. I am in the process of researching and obtaining an attorney to begin CLASS ACTION LITIGATION and INVESTIGATION in to Self Financial. Thier investors should be ashamed of themselves as should the XXXX XXXX XXXX.
12/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77054	Web
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with SBNASELFLNDR for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments XX/XX/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts.
05/03/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	MD 20814	Web
On XX/XX/XXXX, I called Self and inquired about when the statement closing date was, so that I could pay off my card before they report to the credit bureaus. I was told that the date was the last day of every month. I paid my account in full for {$460.00} on XX/XX/XXXX using a ACH debit from my bank account. Self took the money out of my account but the amount has never been applied to my account. When I reached the company this afternoon, they gave me the wrong date on when I paid my bill and when I finally reached a customer service person after a two hour wait, said the customer service rep said it would be another week. Previously payments have been posted within a day, two at the longest. I have tried to email the company 3 times but no one has replied to give me any answers. They have disabled their live chat feature. A request to speak to a supervisor has gone unanswered, citing " they're working from home. '' I want my payment in full posted to my account and my credit report updated accordingly.
07/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 631XX	Web
In accordance with the Fair Credit Reporting Act ACCOUNT XXXX XXXX account number XXXX has violated my rights, XXXX XXXX XXXX account number XXXX has violated my rights, XXXX XXXX XXXX XXXXXXXX account number XXXX has violated my rights, XXXX XXXX XXXX ACCOUNT NUMBER XXXX has violated my rights balance for acct is {$350.00}, XXXX XXXX XXXX has violated my rights for acct XXXX Balance XXXX XXXX XXXX account number XXXX has violated my rights, XXXX XXXX account number XXXX Balance XXXX XXXXXXXX XXXX has placed multiple accts on on my XXXX XXXXXXXX XXXX has violated my rights, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX dollars, XXXX XXXX BANK XXXX account XXXX XXXX has violated my rights balance is {$720.00}, XXXX XXXX XXXX account XXXX XXXX, 15 U.S.C. 1681 section 602 A. States I have the rights to privacy. 15 U.S.C 1681 Section 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instructions.
08/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	CA 92115	Web
Self Financial, an XXXX, TX credit repair firm, has taken a total of {$900.00} in unauthorized withdrawals from my checking account in the past few days. I DO NOT have an account with this firm, nor have I ever had any business with them. However, they did this same thing to me last year, to the tune of {$1200.00}. It took filing a fraud report with my bank to get the money back, and that took over a month. In the ensuing time, I incurred overdraft fees and had to scramble to find money. Until that happened, I had never even heard of Self Financial. The same thing is happening now. The company 's phone system will not let you speak to a representative until you enter your account number, so as a non-customer, I can't talk to anyone. I'm at the mercy of their email system ( XXXX ). I emailed them about the problem Friday, XX/XX/XXXX, but haven't heard anything. The amounts and dates of Self 's unauthorized withdrawals are : XX/XX/XXXX - {$500.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$250.00}
05/13/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	MA 02119	Web
I opened the Self Inc loan on Monday, XX/XX/XXXX. My automated payments have always on been the XXXX of every month and I never had a problem paying them. I noticed this morning on Thursday, XX/XX/XXXX that I received a text from my personal bank informing me that {$55.00} was deducted for Self Inc. I was extremely confused, since my loan payments should have come out on Thursday, XX/XX/XXXX in the amount of {$48.00}. I opened my Self app on my phone and noticed some very unsettling things going on with my Self Inc loan. On Tuesday, XX/XX/XXXX {$48.00} was deducted as it should be. On Wednesday, XX/XX/XXXX, a " manual payment '' {$55.00} was deducted from my bank account from Self Inc. and I didn't even know until this morning. On Wednesday, XX/XX/XXXX another " manual payment '' was attempted but stated that it was cancelled. On Thursday, XX/XX/XXXX " manual payment '' was deducted from my checking account. I did NOT authorize this. My payments are never manually, but ALWAYS automated.
07/04/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	MI 48152	Web
On XX/XX/XXXX, I paid off the remainder of the credit building loan. After the loan is paid off, they are supposed to send me the payout. It is now XX/XX/XXXX and I still havent received anything. I submitted a complaint before about this, afterwards they sent me a message saying I need to verify my identity by sending in some documents in order to receive payout. I informed them of my special but reasonable circumstances ( I am currently living abroad without a social security card and no realistic way of obtaining one ), however I would still be able to send in the others, which I believe is sufficient to prove my identity. Unfortunately, they are unable to make an exception in my special circumstance, and now my money that I am rightfully owed ( approx. {$500.00} ) is being held indefinitely by this company. If they do not make an exception for my reasonable circumstances, then I will never receive the money I am owed, which is completely unacceptable. I want my money returned to me ASAP.
05/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 91344	Web
During the time of " Late Payment '' I incurred XXXX issues ( XXXX ) that prevented me from paying the agreed amount with the agreed percentage increase. Given 15 U.S. CODE 1665 C, they should have considered reduction in annual % rate. This was not factored into the amount owed. Therefore, I would like to have the late payment reports to be removed. I am of better condition than previously and have reached out to the companies to arrange the payments to be finalized in its full within 2-3 payments. If CFPB can remove these items in a timely manner that would be exceptionally appreciated. ___________________________________________________________________ XXXX XXXX : DATES : XX/XX/XXXX ( 30 DAY LATE PAYMENT ) ___________________________________________________________________ XXXX XXXX : DATES : XX/XX/XXXX ( 30 DAY LATE PAYMENT ) ___________________________________________________________________ XXXX XXXX : *DATES : XX/XX/XXXX ( 30 DAY LATE PAYMENT ) XX/XX/XXXX ( 30 DAY LATE PAYMENT )
08/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48075	Web
An accommodation includes any payment assistance or relief granted to a consumer who is affected by the COVID-19 pandemic during the period from XX/XX/2020, until 120 days after the termination of the COVID-19 national emergency declared by the President on XX/XX/2020 under the National Emergencies Act.1 Such an accommodation includes, for example, agreements to defer one or more payments, make a partial payment, forbear any delinquent amounts, or modify a loan or contract.2 An accommodation includes assistance or relief that is granted voluntarily or pursuant to a statutory or regulatory requirement. This statement from the cares act clearly states that payments during the COVID-19 national emergency would have accommodations. My late payment was reported XX/XX/2020 My payment was missed in XXXX. this is well in the 120 days of XX/XX/2020. Self lender is in violation of the cares act but not giving me accommodation. I will attach the email sent to them informing my situation.
04/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30035	Web
I filed a dispute in XXXX for my self installment loan account and was denied. The reason I filed a dispute with XXXX was because they had not updated my information since XX/XX/XXXX of 2022 and we were in the month of XXXX the end of XXXX to be exact. XXXX WAS NOT showing that I was paying my loan down and making my monthly payments. Attached are the information from my credit report showing they were not updating it in their system when in fact they had the correct information from the company how I know they had the information is because they would send me messages saying GREAT JOB PAYING your loan down, But would still not update my information on my credit report. XXXX just updated account in XXXX but they have not shown the payment for XXXX and they have not given me any points for me paying this loan down the whole purpose of this loan is to gain points its, a XXXX XXXXXXXX account Attached is proof of XXXX not updating my credit report or giving me the points for it
09/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 91205	Web	Servicemember
Inaccurate payment history was reported by SBNASELFLNDR Account number XXXX. It all began when I requested a credit report and I SBNASELFLNDR that SBNASELFLNDR bank reported 30 days late on my credit report, I immediately called SBNASELFLNDR to find out, and they said that I needed to pay the full balance off and they would remove their inaccurate information. after paying the full balance off, SBNASELFLNDR the bank didn't improve inaccurate information. I have contacted all 3 credit bureaus, XXXX, XXXX, and XXXX several times, they were all repeating that I need to submit a dispute with them, after sending them many letters, I haven't heard anything from them. Then I decided to send a letter to SBNASELFLNDR bank to improve my payment history as I have never been late. I their mistake. In XX/XX/2023 I checked my XXXX credit report and I didn't have any late payments reported on my credit report. After a few months, the 30-day late payment again appeared on my credit report.
07/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	ME 047XX	Web
I HAVE SENT SELF LENDER TWO LETTERS THAT WERE HAND WRITTEN. I KNOW REALIZE I SHOULD HAVE SENT THEM CERTIFIED MAIL, DUE TO THE FACT THat I did not get a response from Self Lender. I have spoken to many customer service reps at self lender..They always tell me they dont do that here, meaning they dont take closed accts or late payments off the accnt once they add them! I swear the world is out to ruin me and my credit, when i have done is work my butt off trying to do everything the right way, then i seem to get skrewed for no fault of my own. i cant just let this go. i had a self lender acct, i paid it as agreed, then yjet pushed me to open Self visa card through them. so i did just that. they took my money from my lender acct and added it to my self visa account. i thought i was upgrading my self account. a month later my credit report was dinged with a closed account and a late payment. makes no sense. i was never late. how coyuld i have been late if acct was closed!
07/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32905	Web
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
06/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44128	Web
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
11/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	OH 43207	Web
I need my files re reported 3 months too long cant wait no more especially if Im paying on credit builders to report I need a special reporting I can not wait until billing statement I didnt hesitate on my end neither should they. Self lender isnt reporting an account to XXXX im on month 4 I deserve a special reporting for the inconvenience. XXXX hasnt updated a balance in months its supposed to be {$480.00} on all 3 bureaus the only bureau thats correct is XXXX. I have put XXXX screenshots to reference what self lender is supposed to look like on all 3 bureaus. Please report a complete file to both XXXX and XXXX. I was looking to get another home soon and now I cant because my file is messed up no one should have to go through this and wait so long for it to get resolved. Ive wasted so much money buying credit reports checking to see if my accounts and payments would be report and they didnt this is very very unfair and unfortunate. Hopefully this can be resolved.
11/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL XXXXX	Web
On XX/XX/2019 I opened an account with self.Inc ( self lender ) - ( XXXX la ) I set up automatic payments and assumed the monthly payments would be automaticly made on since I have been out of work due to covid 19 when they tried to auto debit my account and the bank declined the charge they removed me from auto pay which I was not informed of so they did not try to debit my account for the payment in XXXX and I learned of that I believe in XXXX when I was called for payment for the months of XXXX and XXXX I explained to them that I was not aware of my account being removed from auto pay and they said they'd correct my credit reporting late mark that it was a department in back office that needed to do it and Id see it reflecting with in a month or so and that they where not taking or accepting calls so I assumed it would be resolved and now 5 months later not only have they not corrected the late mark in XXXX they just added another late mark for the month of XXXX
06/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19131	Web
XX/XX/XXXX To Whom It May Concern : Hello, my name is XXXX XXXX XXXX I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and requesting an immediate investigation. Please remove the fraudulent information immediately from my file. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX SELF FINANCIAL/LEAD BA Date : XX/XX/XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX SSN : XXXX XXXX
10/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 432XX	Web
I had a self lender loan and after deciding it was not the right decision for me, I canceled the loan. You pay the fees upfront so they allow you to cancel it. In XXXX of XXXX I reapplied and on XX/XX/XXXX I received an email stating that my loan has not been approved. My credit report shows that my last payment was made on XXXX XXXX XXXX and that the loan was paid in full but it was 30, 60, 90 days late. Ive contacted Self Inc multiple times because that loan wasn't approved and that's why no payment was made. They refuse to change the information on either loan. Oh the first one us also reported late even though I reached out and canceled that loan because it was 3 days late. They responded to my email to them 3 days after I canceled the loan. Late payments are a big deal ive even asked if I start another and pay everything on time will they remove these late payments. They said no but suggested that I start a new loan to maybe balance out the late payments.
06/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 62226	Web
Dear, XXXX/Atlantic Capital B I received a copy of my credit report and I have found the following items listed below to be in error. XXXX Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I NEVER gave either XXXX OR XXXXAtlantic Capital B any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b . Self/Atlantic Capital BXXXX have caused XXXX XXXX and XXXX due to the abusive and unfair practices. Both XXXXAtlantic Capital B , should be ashamed of themselves for ASSUMING this role and position to constantly commit fraud and cause harm to consumers!
05/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 35405	Web
15 U.S Code 1681c-2 a consumer reporting agency Shall block the reporting of any information in the folks of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later then 4 business days after the date off receipt it has Been way over 30 days THATS Ive reached out you are in violation of this law because i am a victim of identity theft this account should not be furnished on my consumer report as you are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumers reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances to whom it relates. I NEVER have any consumer reporting agency WRITTEN CONSENT to report any thing on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion of this account immediately
11/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44143	Web
In accordance with the Fair Credit Reporting act. The Lists of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : ( XXXX XXXX XXXX ) Account # XXXX, hasviolated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
09/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77379	Web
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SELF / LEAD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B A creditor may treat my payment on a credit card account under an open consumer credit as late for any purpose.
03/03/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33444	Web
I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and XXXX. Here is my tracking number : XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. According to the law 15 U.S. Code 1681 - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
05/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 117XX	Web
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX XXXX XXXX LATE PAYMENT Balance details Paid off - Balance - Balance updated - Original balance {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Status Paid, Closed. Status updated XX/XX/XXXX Original balance {$2500.00} Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
08/04/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	PA 19136	Web
I had a problem with Self last year that wasn't fully rectified. They closed my loan account but I never received my money from that account. I was contacted by corporate saying they'd issue a check but they still have yet to do so. I requested that they put the money owed towards my balance I believe account # XXXX if they weren't going to send me my refund. I have them another chance this year account # XXXX. We are still having issues. I had my identity stolen and had to change checking accounts. I updated my account for some reason it didn't take it from the new account I provided but the old one. I have tried several times to call customer service to no avail. This is my only credit card that I've had issues with. Self is an amazing concept to help people build credit. But the communication is horrible with customer service. Honestly this should've been extremely easy to fix. I'm a XXXX XXXX XXXX I don't have alot of free time.
10/10/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	AR 72703	Web
Self Inc. has proceeded with an unauthorized charge in the amount of {$52.00} to my checking account. I have never had any contact/relationship or agreed to any services provided by Self Inc. or any of their associated entities prior to me detecting this fradulent charge. I am afraid any accounts/services have been opened with my personal information with the inappropriate due diligence fron Self Inc in verifying these. I do NOT or have ever agreed to any products/services from Self Inc or any of its associated entities. I have never provided my bank information to Self Inc or any of their associated entities. I have NOT agreed or authorized any charges on their behalf and demand these be reversed. All accounts/services immediately suspended and closed. As well as the 3 credit bureaus be notified of this wrongdoing and requested to erase all and any information reported linked to Self Inc or their associated entities.
11/05/2023	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	FL 33351	Web
SELF FINANCIAL/LEAD BA XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
11/17/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Incorrect information on your report Information belongs to someone else	KS 66062	Web
I am reporting this company ( Self Inc ) because I just noticed on my credit reports that there is a fraudulent trade line from these people that I never opened. I have never even heard of this company, let alone did any business with them, but yet they have a negative and fraudulent trade line on my credit reports. Ive had a little issue in the past of fraudulent accounts being opened in my name, and Im 1000 % positive this is another one. I have contacted this business just under a week ago to give them an opportunity to rectify this situation, but to no availI want this fraudulent trade line removed from my credit reports ( XXXX, XXXX, & XXXX ) IMMEDIATELY! Or as advised by my attorney, litigation will commence against your company and subsidiaries as follows. This is a chance to make this right here and now. Remove the fraudulent trade lines. As Ive attached an Identity Theft Report As Well, so theee is no excuses.!
07/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	GA 30305	Web	Older American
Over XXXX year I sent {$4800.00} per month to Self Financial for a credit builder account. I completed that program successfully after 12 months. As well, I applied for a VISA account with Self Financial which was granted ; however, over the last 12 months Self Financial has neither reported my Credit Builder Account nor my VISA account to my XXXX credit bureau and in result of that, my credit bureau with XXXX is far lower than my other credit scores. Repeatedly over 12 months, not less than XXXX times, I have approached Self Financial. They refuse correct this matter and keep sending me back to XXXX telling me that depending upon where I got the information it may be inaccurate to the credit bureau. That is false. Both on the XXXX website and XXXX XXXX through my bank, powered by XXXX, the accounts are not report. My VISA account number is XXXX and the credit builder account as follows : XXXX Account XXXX and CD XXXX.
01/31/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30080	Web
on XXXX and XXXX of XXXX a " software company '' called Self.Inc stole {$2800.00} from my bank account. They processed it through XXXX as a 'self pay ' event. Upon considerable research, I found that Self.Inc is a 'credit repair ' service, that I did not use, apply for, ask for, or even need as my credit score at that time was a reputable XXXX. Self.Inc stole from me, and only when I disputed the charges with XXXX XXXX did I receive my money back. Self.Inc apparently causes this problem so often that the 3rd option on their voice mail system is to report fraudulent theft. Here are the line items from the XXXX of XXXX from my bank account : XXXX Recurring Payment authorized on XX/XX/XXXX Self Lender XXXX XXXX TX XXXX Card XXXX XXXX XXXX Recurring Payment authorized on XX/XX/XXXX Self Lender XXXX XXXX TX XXXX Card XXXX XXXX XXXX Recurring Payment authorized on XX/XX/XXXX Self Lender XXXX TX XXXX Card XXXX XXXX
09/18/2021	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Money was taken from your account on the wrong day or for the wrong amount	MA 02119	Web
On Thursday, XX/XX/2021, my XXXX credit card payment was due. The amount due was {$29.00} and that '' s the amount that I paid. It was transacted through my checking account. The amount that I noticed yesterday that was cleared was for the amount of {$57.00} but that's NOT the amount I paid for or approved. This is the second time that this company has dobe something fradulent. I filed a complaint back in XXXX or XXXX with cfpb and with FTC. It was in regards to my loan that I had with this compnay. I've pay all kinds of bills with my checking account and debit card. NO company has taken advantage of my finances but Self and I've had enough! The next stop is FTC and my local police department as well as the state attorney general. I will pay off this credit card and seek to talk with someone from XXXX and XXXX so that I that my credit score will not take a hit due to the negligence of this company. I've had enough.
04/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75068	Web
I noticed a new credit item on my credit report in early XX/XX/2023. Someone used my information to open an account fraudulently with Self Financial/Lead Bank for a {$720.00} secured loan. I filed a dispute with XXXX XX/XX/2023, and when the results found the info on my report to be valid, I filed again XX/XX/2023. Same results. I contacted Self by phone XX/XX/2023 with instructions to text them for an email to send my issue to. Email sent. Called back XX/XX/2023 after no response and spoke with a gentleman who verbally confirmed I was not the individual that opened the account ( I have a video recording of this call ). Told me to email them again with a copy of my FTC fraud claim report, I did. No response. Emailed again today XX/XX/2023 noting I opened a XXXX complaint after no responses. I discovered today a XXXX phone number and address were added to my credit report the same week the fraud account was opened.
11/30/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	GA 30241	Web
Back in XXXX of 2020 I, XXXX XXXX called in and closed my self lender account and credit card. Self lender took my XXXX deposit to cover my balance they said I owed. A week later self attempted to take XXXX from my account which I stopped with my bank. Since closing of the account Self Lender has continuously reported my credit card as over the limit which have damaged my scores and prevented me from refinancing my home during this pandemic. I have called SelfLender numerous of times to get this problem handed and have gotten the run around each time. The latest time being XX/XX/2020. They have not only damaged my scores but also my husband scores as well. This is very much illegal and something needs to be done! We have not signed up for new accounts and do not owe self lender any money in fact they owe us money that we never received and have not made a issue about but the damaging of our scores is unacceptable!
12/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 238XX	Web
In accordance with the Fair Credit reporting act. The List of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX 15 USC 1681 section 602 ( a ) ( 4 ) - I have rights to privacy. 15 USC 1681 Section 604 ( a ) ( 2 ) - states that a consumer reporting agency can not furnish a credit report without written consent from the consumer. 15 USC 1681c ( a ) ( 5 ) - states that no consumer reporting agency may make any consumer report containing the following items of information ... Any other adverse information, other than records of conviction of crimes which antedates the report by more than 7 years. 15 USC 1681s-2 ( a ) ( 1 ) - A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
07/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 902XX	Web	Older American, Servicemember
A 30 day late showed up on my credit report for a credit card I applied in XX/XX/2021 I never got the card or approval. I contacted the credit agency and the credit card company " Self Lending '' telling them that I never got approved, never received a card or statement or email or phone call, so I didn't know I need to make a payment. To please remove this late charge from my account. I filed a dispute, provided documentation and nothing. I contacted Self Lending they only accept email and can not communicate. It appears that they opened an account didn't tell me and then charged me a {$25.00} fee, a late charge and a 30 day late notice on my credit report. The agencies are aware but will not do anything. I paid the {$30.00} that was there, but now I don't know what to do about the 30 day late. My score went down 30 points and this has caused damage to my family as we were financing our home and now we can't.
10/25/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	AZ 85122	Web
I signed up for a credit builder loan with Self Financial post bankruptcy. The loan was initially {$3000.00} over 24 months with a {$500.00} in interest. After making my first payment, I found they closed my new account under XXXX XXXX XXXX, this was opened post bankruptcy. I called and tried to resolve but they claim the account was open even though it was reported closed. I paid my {$150.00} payment which then slowly started to drop to {$73.00}. I called and asked for my {$150.00} back and my account closed, they stated the other {$75.00} was an interest payment. However I feel like I should not pay interest on a loan that I have not received or has benefited me per their agreement. So in all, I am paying {$75.00} for them to open an account and close it. They are willing to only close my account and send me {$75.00} back. I want my full amount back since they have not provided the service I have paid for.
07/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92404	Web
My identity was stolen in XXXX. I contacted the 3 credit beaureus to place a fraud alert for accounts being opened in my name. I was told any time an application for anything was filled ' that the companies would be required to contact me before opening the account requested. On XX/XX/XXXX, XXXX XXXX ( a self financial company ) opened an account using my information without contacting me to verify my identity. They are refusing to take my call to close the account saying that the request can only be done by email and with a report from the FTC. I completed a report with the FTC, but because their was a typo on my email, I couldnt get access to the report until I waited a certain time and refilled another complaint with them. XXXX is also refusing to remove this account from my credit reporting because I havent been able to get it closed through XXXX XXXX ( who is still refusing to close the account ).
12/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78613	Web
This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
02/25/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	NY 11216	Web
To whom it may concern back in XXXX XXXX XXXX I applied for a self lender credit card I linked my bank account to the credit card so I may make payments though I am making payments I never received the card yet they are still charging me for the card I made a late payment in it affecting my credit score by XXXX points Ive contacted self on several occasions but I still have not received a new card although I explain to them the situation. This is very concerning to me because I made multiple attempts to solve this issue I told them that I never received the first card they said they would send another one and I still never received that one yet they still are taking payments from me and if I dont make the payments its going to negatively affect my credit score.How can I make a late payment for something that I never received why am I even being penalized for a late payment for a product I never received
12/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 19013	Web
NOT MY ACCOUNTS i sent a letter on XX/XX/2022 to XXXX XXXX XXXXXXXX its been XXXX than 30 days and the credit bureaus failed to send my investigation back this is not making any sense. according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
11/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or missing disclosures	CA 90068	Web
I started a " XXXX, XXXX '' account online. It was meant to improve my credit. While I was on automatic payment and received a weekly paycheck everything was fine. I had in fact forgotten about the account. They never sent statements and their emails would go to my junk mail. On or about the XXXX day of XXXX I applied for a mortgage and my XXXX XXXX was around the XXXX range. XXXX then reported the payment for XXXX late and it resulted in a XXXX point decrease in my XXXX XXXX. I requested that as a courtesy they remove the late payment as the first time I saw the late was when it was reported. XXXX indicated that they do not send paper statements they only communicate by way of an email. Because I was dealing with my father 's death, I did not even get the emails or remember to look for them. They refuse to reverse the late payment and I am devastated as now I can not move my family into a home.
02/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Problem with customer service	MI 485XX	Web
XX/XX/2020 is the start of the problem. I have tied to call and talk to someone I wasnt able too it said it had to be online chat and it hung up on me. I messaged thier Customer Service agents after that quite a few times and they never got back to me. One agent started a conversation and told me she would be able to help me and then never responded back to me. I have reported them over and over on my credit report after I have tried more then 5 times to close my account which they never did. It's a secured credit account in which is all my money in the account and they closed my account saying they need more information to verify my identity which I sent them multiple times my information which is very concerning giving them final personal information to begin with. Now my credit is poor after I have been trying so hard to get my credit up to XXXX now it's XXXX because of Self XXXX XXXXr ruined it.
07/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	IL 60628	Web
I contacted this company to start a credit card credit line to help establish and build my credit after a very many problems I close the credit line and when I accept it to close a credit card the company refused to initially close the credit card and now they are still actively charging you interest on a credit card that is closed down but they refused to open back up so that I can gain access to successfully restore the card and it's a good active standing having to pay interest on a car that I have no way of tracking or activating is absolutely absurd especially being at this was a credit card that was supposed to help build my credit yet at this point it is purposely tearing down my credit. I would add they are adding late fees and interests without providing me any direct statements of such as well. I dont know how they can charge fees that are more than what the principle balance is.
04/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	NC 27105	Web
XX/XX/XXXX I opened a credit builder account with Self Inc. On XX/XX/XXXX I told them I no longer wanted their service and I paid their fees. They updated XXXX and XXXX to show a paid and closed loan for XXXX. Self Inc refuses to update XXXX. Ive disputed this account with XXXX and XXXX will not update because Self Inc says that its a open loan with a balance of XXXX. Ive given XXXX proof of the paid and closed account. Ive contacted Self Inc several times via online chat and by email. Still nothing is resolved. It looks like I have debt on my credit report owing a company XXXX dollars even though it is not a real loan. Ive paid their fees and contacted both sources but no one from either company will resolve this issue. XXXX and XXXX had updated correctly. It took like the end of XXXX to update. XXXX refuses to update or Self Inc is giving false information to them about me owing money.
07/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85296	Web
I hope this message finds you well. I am reaching out regarding an issue with my Self Financial account, as reported on my credit report. The report shows one instance of a missed payment for this account. However, there are several months where no data is reported at all, leading to an inconsistent and potentially inaccurate record of this account 's standing. According to the Fair Credit Reporting Act, all data reported on a credit report must be 100 % accurate. In this case, due to the inconsistencies and potential inaccuracies, it appears this standard has not been met. These inconsistencies are negatively impacting my credit score. I respectfully request your assistance in rectifying this situation by removing this account from my credit report, due to its potentially inaccurate reporting. Thank you for your prompt attention to this important matter. Best regards, XXXX XXXX
03/25/2023	Yes	Checking or savings account CD (Certificate of Deposit)	Closing an account Funds not received from closed account	GA 30228	Web	Older American, Servicemember
Lead Bank or self bank issued cds of which I had paid of approximately XXXX of these cds with this bank in the past but after paying off this cd they said they required Identification to verify that it was really me government requirement, so I complied I sent the ID and the ss card but the problem came with my bank accounts every time I downloaded these accounts they would not accept the formate I loaded them on so I had my administrative assistant do it on several formates then I called the bank and had them try and assist me which was never successful so then they gave me a email address to send it to, I thought this was successful this was what we were told at- the time. I had sucessfullly completed and payed these cds off in the past and feel like this is excessive they do not require this ID to take funds out of my account, THANK YOU FOR ASSISTING ME IN THIS MATTER, XXXX XXXX XXXX
12/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 75043	Web
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
12/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 75043	Web
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
11/18/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IN 463XX	Web
XXXXXXXX XXXX self XXXX account number XXXX I have been disputing this account since XX/XX/2022, every month. This company has not been able to validate the debt. Ive noticed Ive been violated pursuant to the FDCPA, there is evidence of the use of abuse, deceptive and unfair debt collection practices. These practices resulted in infringement of my intellectual property rights. According to 15 USC 169c ( c ) ( 2 ) and 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 604A section 2 : it also states consumer reporting agency CAN NOT furnish an account without my WRITTEN consent and I am demanding all of the following : -Stop illegal negative reporting to ALL consumer reporting agencies and report positive reports or remove this account from my consumer credit report. Remove late payments from XXXX of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
06/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI XXXXX	Web
Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802. Per the Privacy Act of 1974 as a federally protected consumer, I have the right to privacy. 15 U.S. Code 6801 15 U.S.Code 6801 ( b ) ( 3 ) 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ) 15 U.S.Code 77q Per the Emergency Banking Act of 1933 there is no lawful money in circulation and Congress enacted Joint House Resolution 192 and pledged to be responsible for the public debt and it shall be discharged dollar for dollar. The certificate of indebtedness should result in a refund due to the if there is a balance of {$1.00} or more. The certificate of indebtedness is income because it is discharged by the IRS form 1099-C which is income and can not be reported.
03/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75224	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SELF FINANCIAL INC/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, HAS VIOLATED MY RIGHTS. 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C. 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C. 1681C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN SEVEN YEARS. 15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
06/24/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	OR 974XX	Web
This involved Self Financial , INC. My account was randomly closed without any notice in XX/XX/2023. I paid my card off almost immediately after using it, I never have any issues paying off my loan or credit. When I asked why they could not provide an answer outside of " we couldn't confirm your identity ''. They did not contact me at any point. I was never notified my account was closed until after I had to contact this company multiple times asking why my credit card wasn't working. I have been waiting a month to receive the funds from my credit card. Every time I call they seem very shady and as if they don't know what's happening and tell me I need to wait to find out. I have been put through the cycle of " we will call or email you '' multiple times and they never do. My card was randomly closed and the full amount of which I paid on it was never refunded to me.
09/16/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30319	Web
I recently viewed my credit report and noticed a XXXX XXXXXXXX XXXX self account that was not mine. I contacted the creditors explaining that I am a victim of identity theft. I am for certain that the alleged debt do not belong to me. They responded via mail stating that they had completed the investigation and the items were not deleted, as requested. I reached back out to them requesting the following ; copies of the original contract with my signature, copies of any papers that I agreed to pay what you say I owe, and explain what bounds me to them.Also, what kind of business dealing have I done with them? By law, everything on my credit report must be accurate, verifiable, and reporting a timely. If not, information must be removed from my credit report. Unfortunately, the problem was not resolved and they have yet to to provide signed documents with my signature.
08/16/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	GA 30088	Web
I got a self account in XX/XX/XXXX and finished paying the loan in XX/XX/XXXX. I was supposed to receive a payout in XXXX days. I am XXXX weeks out and I still have not received a payout. I called on XX/XX/XXXX and was told there was an error on my account preventing my payment but I would have to email the account recovery team. Why should I have to email someone when I'm on the phone? The person I was speaking to told me there was nothing she could do about the fact that I never received a payout and I needed to email the company to see what happened to it. This is unacceptable. Why do I have to reach out if there is an error on my account? And if I never called to inquire about my account I never would have known. I am being given the run around about my money which XXXX not be anything to them but its SOMETHING to me, a hard working woman. Self Inc are scammers!
02/20/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	TX 77316	Web
I completely paid off my XXXX XXXX Account Loan on XX/XX/2023 and have yet to receive the the payout of {$720.00} that was promised once the loan was paid off completely. After the account was already paid off completely, I received a request to send in documents to verify my ID, and bank account. I provided a picture of my ID, SSN card, a picture of me holding the ID and a copy of my bank statements on XX/XX/2023 but have yet to hear anything back from them. I've initiated multiple chat sessions where I'm told that someone from a different deparment would contact me soon but have yet to receive one communication. I've also emailed their Disputes department just to be told that someone would contact me within 48 hours but have still not been contacted once. This loan was held as security and would be payed to me once I paid off the total amount of the loan.
04/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60610	Web
I had an account with Self Lender / XXXX.I have contacted them on XXXX XXXX, XXXX via letter to inform them that my account with them was reporting an incorrect payment history as well as the date the account was closed was incorrect. Self Lender is reporting 3 different closed dates with all three bureaus. XXXX is reporting a closed date of XX/XX/XXXX, XXXX is reporting a close date of XX/XX/XXXX and XXXX is reporting a closed date of XX/XX/XXXX. In addition XXXX and XXXX are reporting late payments on XX/XX/XXXX and XX/XX/XXXX, while XXXX is reporting late payments on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However this account was closed in XX/XX/XXXX and I received a refund check that is attached for {$34.00} dated XX/XX/XXXX. Due to the date discrepancies and payment history discrepancies. I will like for this account to be deleted from my credit report.
11/03/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	MN 56301	Web
i brought something from a seller i met on XXXX i used XXXX to complete a transaction with them. the seller got my money then told me i had to wait until the next day to receive the documents i paid for. he stopped answering the phone and i tried to dispute it with XXXX but they told me they wont do anything about it. i then went to my card company and explained that i was scammed and wanted to reverse the transaction since i didnt get anything for the {$150.00} that it cost me. they claimed to do an investigation and found no error. I was scammed and told them this and they still refused to give me back my money. there are 3 people involved in this transaction besides me and no one is willing to give me back my money or the product i paid for. I dont understand how they can just decide that there was no error made when i paid for a product that i never received.
06/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 94565	Web
It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered part of my transactions and experiences between your company and me. Kindly fix the following accounts : XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$430.00} Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.
11/04/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33714	Web
I am submitting this CFPB complaint to you today to request to you to remove the late payments you are reporting on my XXXX XXXX. The references for the late payment on this account is erroneous and misleading causing negative impact on my XXXX XXXX! I previously requested for the investigation and correction of this account and yet you have done nothing. Let me remind you that you are obliged to investigate and update this account per consumers requests under the FCRA regulation. Once again, I am requesting that you take your time to THOROUGHLY investigate and CORRECT this account to report accurate information on my Credit Report. Per FCRA, reporting of account information must be accurate ; I need this account updated immediately. SF/LEAD BANK XXXX Opened XXXX XXXX, 2020 Balance {$8.00} SELF FINANCIAL INC / LEA XXXX Opened XXXX XXXX, 2020 Balance {$1400.00}
08/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 95928	Web	Servicemember
According to my credit report dated XX/XX/23, Self Financial Inc. has continued to leave negative marks on my credit report for an account that was originally current for over a year with no missed payments that i later closed as a an account that was current with no Miss payment more than a year. This conduct is in violation of the FDCPA, which prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt ( 1692e ), and from designing, compiling, and furnishing any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating ( 1692j ).
02/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 19136	Web
I'm a traveling XXXX worker working XXXX and have been for a year. Self INC closed my account in XXXX of 2020 without notice. I was never notified, I called multiple times requesting to speak with a supervisor. I never received notification through the application on my phone. So I'm confused as to how they reported me 30 days late. Especially when I have XXXX setup. I have an email from a supervisor admitting they the close my account. At the time of closure my account wasn't past due. Matter of fact SELF owes me money in which I have yet receive. There hasn't been proper follow-up on this matter. I'm grossly upset regarding how they handled this situation. They have been very non chalant and down right rude at times. I was even told to open a new account. But the closed one was never properly handled or addressed. Communication is terrible.
11/11/2023	Yes	Checking or savings account Other banking product or service	Managing an account Problem making or receiving payments	OR 97219	Web
I closed my XXXX XXXX account early- it was a special kind of savings account that you put money in per month, for a period of a year, being able to withdraw that money once the year was up. I asked for it early as I needed the money. They charge a fee for withdrawing it early which I was fine with, and I initiated the payout process and on XX/XX/XXXX, I got this message in my email : " We've electronically deposited {$75.00} into your XXXX XXXXXXXX XXXX XXXX account ending in XXXX. Most people will see the deposit within XXXX business days. '' It is XX/XX/XXXX, XXXX days later, nearly XXXX weeks, and I have not seen that deposit yet. They refuse to offer any assistance and have not answered any of my emails. Apparently they are notorious for this, letting people close their accounts and then not making the payout. I am yet another victim.
06/20/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 75180	Web
Now I did submit a complaint last year in regards to this self lender account. The company stated in its letter that the account line up with the transactions address, may you provide proof of that address. Also I have two accounts reporting different balances which against the law must be removed due to inaccuracies. This collection thats reporting on my credit report falsely has given me distress due to me being declined personal needs for my children. The date opened is XX/XX/2020 the balance is {$600.00} then there is the third party I believe XXXX XXXX that is reporting a paid balance of {$720.00}. The accounts are not correct which in the letter the creditor has stated I disputed the charge and which I was also granted credit due to me not using any credit from self. This will be the last action I take before I take further action.
06/07/2022	No	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	TX 79938	Web
I have tried to fix the situation with this company multiple times with Self financial I have already paid the debt in floating rate notes and the company is still reporting negatively on my consumer report. The company has already XXXX the debt via 1099c. I have already contacting the 3 major consumer reporting agencies about this matter. I am now demanding self financial to properly remit 1099c so that I can properly file my taxes. I am demanding that self financial send me a copy of the 1099c b for the debtor documentation that self financial has already transferred over to the treasury. Also i am demanding that self financial contact all 3 consumer reporting agencies and update the status of the consumer report to paid as agreed and remove all and any negative remarks on my consumer report due to the fact the debt was already paid for.
06/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	NY 11377	Web
XXXX XXXX I created an account with Self XXXX XXXX XXXX was notified that I had an open account with them since XXXX of XXXX. I was confused nor had any recollection of ever creating an account with the association- so I proceed with changing the Email address, while in that process I had to answer security questions that were incorrect so at that specific moment I realized and insured that this is an issue. As I was done creating my Account I seen information on the prior account of a XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX with a Phone number of ( XXXX ) XXXX. The Address does not coincide with my residential living nor my telephone number at any given moment in my life. I seeking help on expunging this debit. Admin Fee- XXXX XXXX {$9.00} Miss Payment- XX/XX/2020 {$150.00} XXXX XXXX Account One Time Fee- {$22.00}
10/07/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 34953	Web
I called self on XX/XX/2022 after trying to keep up with my loan. I explained I am currently experiencing hardship. I asked to close my account and receive a refund of monies sent ( {$600.00} ), I also asked about negative reporting. I was told that due to hardship my request would be approved, I would receive a check after 15 business days and no negative reporting would be made. However, I never received the funds and I was reported negatively. I called again. I spoke with a rep who advised he could not cancel a payment. I did not call in for this reason so clearly the rep did not understand the reasons for my call. I did reiterate the reasons he then claimed I would be charged and would only receive a refund of {$400.00}. When I questioned the difference again he did not know why. I am going through hardship this is very frustrating.
09/08/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	CA XXXXX	Web
I opened a Self.inc credit account on or about XX/XX/2020, self.inc helps you to establish a loan for yourself, and build up your credit score. So the terms were that every month I would make two payments one of {$15.00}, and the other one of {$35.00}. I invested a total of {$720.00} with self.inc towards my future investment, and every month that they deducted {$35.00} from my XXXX XXXX checkings account ending in XXXX, they would mail me a check from my account to them, so they would have me mail it to them, after some time they no longer wanted the checks to be mailed they wanted you to pay them with it online somehow. Before you know it they close my account and I was not even late with my payment. I tried to reason with them by email to XXXX they were not in compliance under any circumstances. Completely self centered and rude.
07/21/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 92058	Web	Servicemember
My name is XXXX XXXX and I am inquiring about an account thats noted on my XXXX Credit Report. I have called XXXX to inquire about that account and they gave me your info to contact you. I then contacted your bank and they have no info on the account and what it pertains to. It is critical that I obtain written confirmation saying that account isnt mine or whatnot from you in order to removed it from my credit report. May you please respond back as soon as conveniently possible. My XXXX XXXX husband is getting XXXX soon and its vital that we close on this pending house for our children and I so that he can be at peace while hes XXXX. We have been calling around to find out more about that account thats opened under my name because I have no recollection of ever opening an account with XXXX XXXX XXXX. Thank you so much for your time.
06/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	CA 94558	Web
Self Financial is engaged in shady and unscrupulous business practices, defrauding vulnerable individuals of thousands of dollars, including me. I opened an account in 2021 and faithfully paid XXXX each month until I reached a secured card balance of XXXX. During a questionable " review process '' my account was disabled and until I furnished all of the above, it would not be reactivated : photos of my social security card, driver 's license, debit card, paystub showing my SSN, and bank statements showing all of my transactions, not only those related to Self Financial. It is a complete violation of my privacy and absurd, considering none of these documents were required when I opened my account. I can only guess the nefarious activities behind the reasons they delay paying consumers THEIR OWN MONEY back. AVOID AT ALL COSTS.
12/08/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	MD 212XX	Web
Dear CFPB : My Self Credit Card ( which is a secured credit card ) was stolen along with several other of my cards and ID 's in, what I remember as being XXXX or XXXX of XXXX. Before I could cancel the card there were XXXX charges to my card for a total of {$89.00} to XXXX business, a scooter rental company in XXXX which I can not recall. I never have rented a scooter and there were XXXX charges for almost {$20.00} each. I submitted my claim to get a credit for these charges. The Self Credit Card team would not approve or otherwise credit my account back for these charges. This caused me to be over-limit and start to miss payments as I could not handle the minimums above my credit line. I don't think this is fair or right. I appreciate your looking into this with SELF and hopefully we can come to an equitable resolution.
03/21/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	FL 33063	Web
XXXX XXXXXXXX XXXX XXXXfrom XX/XX/XXXX amount comes in different now XXXX & XXXX now on my bill again XX/XX/XXXX & XXXX XXXX is XXXXfor XXXX on XX/XX/XXXX which was refunded from XXXX but self credit wont remove charge on XX/XX/XXXX & XX/XX/XXXX on bill 3 times for XXXX XXXX XX/XX/XXXX XXXX declined transaction XX/XX/XXXX XXXX declined transactions Im being charged for all these charges my XXXX rights XXXX disputed them with self XXXX sent them paperwork of proof Im told there is no amount for first one and Im denied my rights to dispute these when I made payment of XXXX they put transaction threw I dont have merchandise and I want off my bill and my credit report Im over balance they are going to close my account so I need ur help getting removed from XX/XX/XXXX to today XXXX paid over and over for these things I need help
05/02/2022	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	VA 23669	Web
The following company never proved their methods of verification through several stages of written credit disputes : SELF / XXXX XXXX The letters that were sent out are as follows : dispute letter 1 -- mailed on XX/XX/XXXX and received on XX/XX/XXXX dispute letter 2 -- no response letter mailed XX/XX/XXXX after over 30 days of no response dispute letter 3 -- VIOLATION OF FCRA RIGHTS DISPUTE LETTER # 4 mailed XX/XX/XXXX after 30 days of no response or correction to the credit reports. The company failed to verify the debt IN WRITING with original documentation of proper verification of debt per FCRA guidelines and within the given timeframes. Company also failed to remove the debt per FCRA guidelines and by law must remove the debt for failure to provide proper verification within the given guidelines of the dispute process.
12/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WA 98445	Web
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. Provide proof that a statement with ALL information in section 1637 ( b ) was delivered to me XXXX days before due date. As well youre in violation of the U.S federal law from the complaint I just sent and I will not stop until you remove it. You are not the first company that has removed accounts which is why I know what Im doing will work. You are violating the law.
09/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75702	Web	Servicemember
ATLANCTIC CAPITAL BANK/SELF XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX my rights have been violated according to the law : 15 USC 1681 sec 602 a I HAVE A RIGHT TO PRIVACY and don't want these transactions and experiences reported from this account unless the negatives are taken off! 15 USC 1681 604 sec 2 the can not furnish this report without my consent 15 usc 166b my transactions or experiences can NOT be reported as LATE 15 usc 1681 A 2 a1 according to the law transactions and experiences are NOT INCLUDED IN THE CONSUMER REPORT also most importantly MY INFROMATION SHOULD BE ACCURATE and FAIR.. i have inaccurate information from this account which has effected my future of obtaining a home and a vehicle i have proof of inconsistencies and the law that is broken by this inaccurate information reported on my credit report
05/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 28054	Web
I have spoken with Self Financial over 2 weeks ago and they confirmed that the inaccurate reporting on my credit report will be fixed in 3-5 business days from date XX/XX/XXXX. They informed me {$42.00} balance should be reported on my credit report but instead {$400.00} balance was reported on my credit report dropping my score over XXXX points in the middle of purchasing my first home. I called back XX/XX/XXXX to get a status update only to be informed that they needed proof that the {$400.00} was reporting on my credit report, I sent in a screenshot of my credit report and have not heard from anyone yet. This has prevented me from closing on my home and if I have to pay the the price this company will pay if for me. Its unfair and insensitive to mess up someones credit score in the middle of a big purchase. Fix it!
12/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10550	Web
This is the information needed to verify my identity. Please stop reporting adverse information to creditors unless you can provide the following. By law if this information is not provided you must remove the debt. 1.original contract 2.Pay off disclosure 3.balance history 4.payment history 5.credit insurance In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit card plan as late for any purpose. To verify my identity XXXX XXXX XXXX XXXX of my social : XXXX
05/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or missing disclosures	MO 63116	Web
I began Self in XXXX of 2020 in hopes of getting some extra points on my young credit score. My issues with this company began in XXXX of 2020 when I qualified for the Self secured card. I had issues receiving the card, and to this day have been sent 3 cards that magically ran into technical difficulties when trying to activate. There is no representatives available to speak to and after verifying my d.o.b, I encountered more technical difficulties and was immediately released from the call. I have several emails on record of me constantly getting automated messages in response to genuine concerns I have about the legitimacy of this company. None of my payments process on time and I keep getting {$15.00} late fees and this is even when I post my payments 4 days ahead of time ... I dont feel so good about this.
05/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77077	Web
I declare under penalty pf perjury ( under the laws of the UNITED STATES, if executed outside of the UNITED STATES ) that the foregoing is true & correct to the best of my knowledge. Further I certify that I am permitted by FEDERAL & STATE LAW to file this dispute. I also understand that knowing & willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001 Additionally these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods services, or money & was successful in creating some accounts. All. is being investigated by the FTC
02/17/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77449	Web
I declare under penalty pf perjury ( under the laws of the UNITED STATES, if executed outside of the UNITED STATES ) that the foregoing is true & correct to the best of my knowledge. Further I certify that I am permitted by FEDERAL & STATE LAW to file this dispute. I also understand that knowing & willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001 Additionally these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods services, or money & was successful in creating some accounts. All. is being investigated by the FTC
03/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WI 53216	Web
To Whom This May Concern, After reviewing my credit report, I noticed that the balance being reported for my XXXX XXXX XXXX account is reporting inaccurately. I noticed several inconsistencies regarding the account ( XXXX XXXX XXXX ACCOUNT THROUGH XXXX XXXX -- -- XXXX ) in the ( BALNCE ) & ( PAYMENT STATUS ) section. XXXX is reporting a balance of {$520.00} with a current payment status, XXXX is reporting a balance of {$240.00} with a current payment status and XXXX is reporting a balance of {$520.00} with a current payment status now all three of these balances cant be accurate. None of these balances are my current or accurate balance for this account. This account should be listed as ( {$140.00} ). I have attached a copy of ( my XXXX XXXX XXXX statement that proves your balance is in correct ). Thank you,
11/04/2022	No	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90038	Web
XX/XX/2022 Self financial XXXX XXXX XXXX Dear Credit Reporting Department or Self Financial ) : Re : ( account number ending XXXX ) On XX/XX/XXXX, I paid my account balance off. That information was supposed to be supplied to bureaus on first week of XXXX. Last rep informed me it was sent on XXXX. Unfortunately, your ( product or service ) has not performed well ( or the service was inadequate ) because the bureaus have stated XXXX has not sent reports on time its been the XXXX of the following month ) .XXXX stated it automatically updates and they can see that none of the reports have ever been on time. I am disappointed because Ive expressed my frustration over this since XXXX. This product doesnt help the consumer. My balance has been XXXX since XX/XX/XXXX and yet it still hasnt been updated with bureaus.
11/07/2023	Yes	Credit card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	GA 30134	Web
I became very ill in XXXX of XXXX and I missed multiple days of work. I was not able to maintain my bills and I had to take off work for XXXX months after that. I am a mother of XXXX children and it was a very difficult time for me trying to maintain my household so I fell behind on my credit card payments and a lot more of my bills. I was not able to provide a substantial income for my household and my illness affected my livelihood. I always been a consistent payer when it comes to my payments and I also have manage to get back on track with no late payments since the beginning of this year. I did reach out to Self on XX/XX/XXXX to try to get this issue resolve and they provided no assistance. I would like to continue with a positive payment history without those few late payments hindering me from doing so.
08/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75181	Web
The payment history of my account has been inaccurate, and incomplete. In accordance with the fair credit reporting act, This creditor has violated my rights. Under 15 U.S.C 1681 section 602 States, I have the right to privacy 15 U.S.C. 1681 section 604A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions Under 15 U.S.C. 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I have given them multiple opportunities to cure and remedy these continuous and willful violations of my consumer rights. They have consistently ignored, stalled, and not rectified these harmful and hurtful assasination of character. # XXXX XXXX XXXX XXXX / XXXX closed account on XX/XX/202XXXX XXXX
04/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Unexpected or other fees	PA 150XX	Web
I enrolled in the program Self about two years ago because I was trying to build my credit. I do make my monthly " credit builder '' payments on time each month. I am being charged an additional XXXX $ for a Self Cred Card that I never received in the mail, never activated it or used it before, therefore I have never paid on a Credit Card that I have never received or used. It is my understanding that they reported this to the Credit Bureau in the beginning of XXXX and I am trying to dispute this off of my credit as this is not my fault and I am trying to get a Mortgage, which this caused a huge damage in my credit score. I did try calling the company and the guy seemed to not understand anything I was talking about or asking and at the end of the call told me there was nothing they could do to help me.
10/06/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	GA 30241	Web
In XX/XX/2020 I decided to end my business with Self lender inc due to the pandemic. I requested a refund of deposit money which should have been XXXX instead self payed out only XXXX in total. The following month they took XXXX from my account which I had to get my bank to do a stop payment that cost me XXXX dollars. I contact the company about the matter and they assured me the account was indeed closed and it wouldnt happen again and my money would be on the way. Well we are now in XXXX and no money has reached me and no one from the company has tried to help solve this problem and return my money which my family could use right now due to my husband being unemployed because of the pandemic. This company also continues to report the card as opened and over the credit limit which is ruining my credit!
09/19/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	FL 322XX	Web
I had multiple XXXX XXXX transactions on my credit card and debit card and, after noticing several expensive items were missing from my home, I called the police. My cousin was subsequently arrested and admitted to making the transactions with her boyfriend. A warrant was issued for her boyfriend but he had not been found yet. I called and Disputed all the transactions with Self financial and provided them with the arrest report number. However, they forgot to close my card and even more transactions came after. I now got a notice in the mail stating that they determined no error occurred even though there was an arrest made for the fraud. It is difficult to even speak with someone and when you do, they have no knowledge on the subjects. This is a fake company and they make money on others hardships.
11/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 610XX	Web
I received several alerts this morning regarding my credit report. I have a significant decrease in my score... XXXX points decrease ... .why??? The ONLY change was XXXX adding an account to my report.. I NEVER ONCE asked XXXX to add another account or card and then to my report another card! In fact when I saw this upon logging in the XXXX I contacted support right away. I have my emails. I want my account fixed ASAP. I am in the process of underwriting. This is not at all acceptable. Companies should not get by doing this, charging me to help my score and as the attached proves it's actually hurting my score. I expect this to be fixed it ASAP. I don't want one of their emails with it's only temporary or not to pay attention to XXXX XXXX etc ... Because that's what I get back from customer service.
09/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29150	Web
15 U.S.C Section 602A. States I have the right to privacy. 15 U.S.C Section 604A. Section 2 : it also states consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This ACCOUNTS ( XXXXXXXX XXXX ) ACCOUNT ( XXXX ), XXXXXXXX XXXX ) ACCOUNT ( XXXX ) Has violated my rights
02/12/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	NC 28144	Web	Servicemember
I completed payments to Self Inc. to boost my credit as it is a credit builder account. I paid XXXX per month for XXXX months and at the end was to receive a check for XXXX. I made the last payment on XX/XX/XXXX and was told that the check was mailed on XX/XX/XXXX. I was told it would take up to XXXX days to receive. The XXXX day twas on XX/XX/XXXX. I called Self Inc. on XX/XX/XXXX to inquire about the mailing of my check and was told that they would re-issue another check which is to arrive in XXXX. They stated that the original check has been cancelled. I was not given a sufficient answer as to what happened. I am leery about whether I am to receive anything from Self, Inc. I am requesting that CFPB investigate as this practice could occur with others who trusted Self as a credit builder product.
02/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60123	Web
XXXX XXXX XXXX XXXX I've contacted them for the last year or so telling them I didnt open the credit card and it was linked to an address that was included in a police report from someone who stole from me years ago, even then I offered to pay off balance to get it removed from my report, and when I offered they told me they would not remove even after they incorrectly reported info, ation to my credit report that resulted in me getting denials for a car I wanted because they had the credit card down as a repossession on a car loan also Self lender as well someone marked a late payment on my account without any proof payment was late I have never payed late on the account im requesting removal. Line XXXX XXXXXXXX XXXX XXXX XXXX XXXX keeps reposting to my credit reported after successful disputes
05/25/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	WI 53704	Web	Older American
I have a Self credit card. Well over a month ago, I asked them to close out the card. The card is a credit builder, where you put money into the card. There is a {$400.00} amount on my card that is supposed to be refunded to me. I have been trying to get the {$400.00} for over a month and the company keeps stalling. The {$400.00} is due to me. They need to refund it to me. 'Self ' credit card is shady and has NOT refunded my {$400.00}. This needs to be rectified. I paid the amount onto the card in good faith. They are stalling and not paying the {$400.00} I have coming. Warning : I would advise against this card. They do NOT practice what they preach. If they do not refund my money I am going to continue with a LAWSUIT which will include all of the time I have spent trying to get my refund.
03/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30341	Web
Self is in violation of a billing error 15 usc 1666. In a consumer credit transaction the alleged creditor should not mark the account late without sending the proper notices to the consumer. Self has never done sent the proper notices prior to reporting experiences between the consumer and the person making the report. Also, according to 15 USC 1681 s-2 A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. This is violation after violation. This is causing me stress because I have no hope in this credit reporting system. Failure to comply will result in me using the proof I have to file a lawsuit for actual damages that your company has caused me by this harmful reporting.
03/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or misleading advertising or marketing	UT 84721	Web
XXXX XXXX SELF LENDER is a predatory scam. They represented themselves as a credit rebuilding program where you can deposit monthly into a account & once your funding goal was met, they issue you a secured card for that amount. No where did they say that I could not opt out if the deposit amount was unmanageable, nor did they state that it would report negatively on my credit report. I emailed to close the account, and received no response & now I have them on my credit report as a derogatory mark for a closed " secured loan '' that was closed with financing that I had deposited myself. In short, they represented themselves to rebuild credit, then became unreachable, took my first months payment then marked me late for two months with no response & kept my money when they close the account.
03/09/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	DE 19711	Web
A year ago, I got a Self Lender credit builder account and made all of my payments on time and paid off. Instead of getting the fund back at the end of the term, they offered me a credit card which I accepted to build my credit further. My funds of {$450.00} was transferred to the secure credit card. My credit card was in good standing until XX/XX/2021, when I lost my job and was going through hardship. They decided to close the account because because I was making payments. I understand that and was fine with it. The problem is that, they decided to keep my {$450.00} as charge off. They are not giving me the option to pay it off in full and then have it returned to me. That was my money. Its unfair that they get to keep it without if working with me. I also had to pay {XXXX} In fees.
11/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX XXXXX	Web
I hear by putting your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that Your organization assumes a vital role as a result my livelihood has been adversely affected.There is no such law that States anything that needs to be reported to a consumer report agency therefore your organization is liable Your organization neither exercises its responsibilities with fairness and then partially nor protected my right to privacy. I request you to give me a piece of evidence that the information which is being reported has been properly investigated. It also provides the details of the system adopted by your organization to determine whether the transaction took place or not.
07/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75149	Web
XXXX and SelfXXXX apparently did an Hard inquiry on my credit report without my permission. Common violations of the FCRA include : Pulling your report for an impermissible purpose. For instance, viewing a credit report to determine if you have assets before filing certain kinds of lawsuits. Your credit report can be disclosed only to entities with a valid need, such as creditors, landlords, insurance providers, utility companies and employers ( with your consent ). Its also a violation to pull a credit report for an impermissible purpose, such as determining if you are collectible in a lawsuit, an employer pulling the report without permission or a creditor on a discharged debt in bankruptcy using the report to check on your current financial activity. Screenshot attached.
01/13/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	TX 77084	Web
after reviewing an updated consumer report I have analyzed that SELF has reported a late payment of {$25.00} in which this account was to help build credit my account. This account is being furnished to a third party credit reporting agency but is violating 15 USC 1666b Timing of payments where no payment shall be deemed as late. As a result of the XXXX my finances were directly affected in which have directly affected my ability to repay, my financial reputation is being tarnished due to this account being negative. Also my rights to financial privacy and non public personal information is also affected which violates the GRAMM-LEECH AND BLILEY ACT , Fair Credit Reporting Act, Code of Federal Regulations. This financial institution is breaching its fiduciary duty 15 USC 689n
05/18/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	FL XXXXX	Web
Per " SEC. 4021. CREDIT PROTECTION DURING XXXX. '' If the consumer was current on an obligation at the time of an accommodation approval, the account must be reported to CRAs as current if the consumer is complying with the accommodation agreement. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( I ). The National Emergency Concerning the Coronavirus XXXX XXXX ( XXXX ) Pandemic was active from XX/XX/XXXX, XXXX XX/XX/XXXX. Being effected financially by XXXX world disaster certainly qualifies me for accomadation. The following Account were reported as late or delinquent SBNASELFLNDR Account # XXXX & XXXX The late payments are listed on my credit report as the following XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XXXX
05/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 117XX	Web
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX LATE PAYMENT Balance details Paid off - Balance - Balance updated - Original balance {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Status Paid, Closed. Status updated XX/XX/XXXX Original balance {$2500.00} Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT
07/24/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	PA 19061	Web
I lost my credit card I reported this to this company self four times and called customer service to dispute they denial they stating its the same charges which that dont mean anything its wrong thats someone use my credit card.I told them the charges thats on this account that Im responsible for is the smart credit because its was automatically payment of XXXX every Month I am a loyal customer with self for 3-4 years. Never have late Payments. I am not responsible for {$470.00} I was at neighborhood festival I had my cards in my back pocket. I didnt notice there was charging on my account until I got a email saying my balance was high. I will not pay for the balance. Also paid one payment cause I dont want my credit to get mess up but I am responsible for theses charges
11/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 395XX	Web
Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4 These companies listed below, used mis-match information to open an account fraudulently, with incorrect information, I have since disputed and proven the personal information and it has been removed from some but not all credit bureaus. However the fraudulent accounts associated with the personal information have not been removed. SBNASELFLNDR account showing opened XXXX. This account shows closed however this account does not belong to me. XXXX XXXX XXXX showing opened XX/XX/ ( Account # : XXXX ) with late payments. I have never been affiliated with this business.
06/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI XXXXX	Web
Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802. Per the Privacy Act of 1974 as a federally protected consumer, it is my right to privacy. Per the Security Exchange Act of 1934, the certificate of indebtedness once deposit any credit balance on the account over {$1.00} should be credited to I the consumer. As the consumer in this credit transaction, I can not be late on a balance due to me the federally protected consumer. I have not received my check. Stating the consumer owes a debt that the financial institution agreed to discharge is a violation of oath by the trustee and their fiduciary duties.
08/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MA 021XX	Web
I applied for a Self Lender account and inXX/XX/2017 I was diagnosed with XX/XX/XXXX XXXX XXXX XXXX. I called the company to close the account because I wasnt working anymore and was unable to make payments. The company continues to report two late payments on my credit reports. I didnt take out a loan, it is a company that I pay to help rebuild credit. I called to close it and they never closed it until my bank denied the payments. I would like them to remove themselves from my credit reports so that I can get my life back after fighting XXXX three times within the last four years. This is making a huge impact on my report and it is unfair especially since I never owed them anything and called to cancel before the due date. Please remove from my credit reports.
01/28/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	CA 90606	Web
This is not my loan. Someone opened under my name. This is identity theft. I received an alert on my account in XX/XX/2022. A new lender has started a loan under my name. I never applied for this loan. But it comes out in all of my credit reports. I have put a fraud alert on my account. Tried to have it deleted from all my credit agencies. I sent a letter to the lender. I tried calling the lender. No answer. However the lender responded in a letter that I need more information. I do not want to give them my personal information. I read that they have a bad reputation. Amount of original loan amount {$1600.00} XXXX. Secured loan. @ $ XXXX month This is a secured account. But its nothing I own? So how could it even be me. Also they never did a credit check.
07/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	PA 164XX	Web
I downloaded the App Self with the intent of having them help me raise my credit score. I did everything they asked of me and paid the XXXX fee to make the transaction happen. After they took my money, a week later theyre saying they cant verify who I am. Now if you cant verify who I am then thats fine but they didnt return the XXXX dollars they took from me. Does this make any sense?? You cant verify who I am but you can take my money??? I asked them to refund the the money asap but they continue to say its non refundable which makes no sense as they didnt do what I paid for them to do. I either want them to honor our agreement or refund my money. Anything other than that is fraud. Thank you for your help with this matter. Sincerely, XXXX XXXX
07/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 306XX	Web
self/lead bank balance owed XXXX ( XXXX XXXX XXXX ) I have call numerous times and sent them letters notarized, police reports yet they still fail to remove this fraudulent account from my credit report. 15 U.S. Code 41 - Unfair methods of competition ; prevention by Commission This section empowers the Federal Trade Commission ( FTC ) to prevent unfair methods of competition and deceptive acts or practices affecting commerce. It covers various consumer protection aspects, including false advertising, deceptive marketing, and other unfair business practices. 15 us code 1681a ( 2 ) ( A ) ( i ) 15 us code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumers reports no consent I fraud
04/25/2022	No	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	TX XXXXX	Web
Made auto payment that cleared through my bank on XX/XX/22 for {$48.00}. However, I received several emails while in the hospital. XXXX was not made because I experienced a breach and fraud and had to close that account. I was unable to reset before hospitalization. I was billed {$110.00} and paid on XX/XX/22 for XXXX months, just to reconcile my account. I went online and submitted the ticket and uploaded my documents, also by email. On XX/XX/22, the Self app stated, when I logged in, that I owed {$190.00}.??? I was only one month behind. I paid two months in XXXX and then, was chatged a third month plus additional late fees. They are not crediting me my payments and it is affecting my credit score, as well. I need assistance in resolving this issue.
06/05/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	TN 38506	Web
I was instructed to pay my debts when utilizing a FHA home loan. I mailed a check to SELF Financial to pay the balance on the credit card as well as the credit builder loan balance. SELF mailed those back. Then I was instructed by the loan agent to pay via ACH from the account the checks were drawn from. SELF denied those payments then closed both of my accounts with no communication, no ability to dispute, nothing. That has been more than 30 days ago ( XXXX XXXX ), I have contacted self multiple times and they have told me it is under review and that they can not discuss the timelines. They have negatively impacted my credit with no ability to dispute and are holding my money hostage with zero communication regarding when I will receive my refund.
10/31/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	WY 830XX	Web
I had a CD with Self, Inc. After a few payments they let me open a secure card. At the CD maturation my credit card was paid off with the amount of the CD, and I asked the company to close it and they did, but not before adding a late payment fee. Since its been closed I cant pay the fee that shouldnt have existed in the first place because before the CD payout went through the clearing house, a late payment fee to the card was added. Since its been closed I cant pay the amount of the late fee. The amount is now compounding and acting like the account is still active. The company refused its responsibility over the phone and there is no email to begin a paper trail. I shouldnt have been charged a late fee and believe the company is committing fraud.
07/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 91709	Web
Self-lender INC still refuses to remove the late payment despite sending official correspondence that they would request the deletion of the late payment due to my excruciating circumstances. I have contacted them numerous times and have not been met with a reply. Please see the official correspondence showing their response to the matter from a previously resolved CFPB complaint regarding the deletion of the late payment of all three of my credit reports. I have also attempted to dispute this by sending it to the credit bureaus, to which they have come back saying Self Lender does not want to remove the late payment. This late payment has caused me extreme stress as I am still locked out from obtaining the ideal mortgage rate for my family and me.
09/20/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89145	Web
There is an account that shows on my credit report, the name of the company is Self/XXXXXXXX XXXX it shows the account was opened on XX/XX/XXXX, for the amount owed of $ XXXX.This account is not mine. I have an account with this company, this account I have not participated in or had any knowledge of this account. I am concerned with the company 's legitimacy with the accounts that I do have there are multiple inaccuracies, I have never had a late payment. On XX/XX/XXXX, I checked my credit report and filed a dispute. I'm in the process of taking each step from the company to get this matter resolved. I was told to submit a police report, an identity theft report. I am concerned that my information has been compromised and used for identity theft.
06/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 60107	Web
I had an account with Self lender. My Identification was placed on the dark web in my bank and credit card accounts were hacked! I was even declared deceased to XXXX XXXX where they closed my accounts out in XX/XX/2021. I have been working to resolve these issues, however with SELF I have giving evidence explaining the fraud on this particular account and I have been ignored. In fact the company is still making reports on my credit for a account I did not open. I have sent five emails and no one has responded with the appropriate action. It has been over 45 days and I would need this fraud account taking off my credit report because I was not the person that authorized the pass transactions or opening of new accounts to this merchant. Please help.
03/24/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	SC 29209	Web	Servicemember
I had an account with SELF FINANCIAL INC / XXXX that was Opened XXXX XXXX, XXXX that I had made 94 % of payments for this account on time. Upon rendering the account paid in full, it seems as it caused the account to reflect an Worst Payment Status 30-59 Days Late during the process of closing my account as paid in full. CLOSED XX/XX/XXXX OPENED XX/XX/XXXX ... .it shows Payment Due Date XX/XX/XXXX but there was an active Paid in full in progress to pay off the balance. XX/XX/XXXX Payment {$89.00} posted. If that was the case, when I inquired prior to the PIF, I was not made aware that a monthly payment should have been rendered prior to ensure there was a a late pymt rendered on my acct. I was rendered incorrect information by self lender agents.
04/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OR 97233	Web
ON XX/XX/XXXX SOMEONE OPENED AN ACCOUNT THAT IS TIED TO MY SOCIAL SECURITY NUMBER. ON XX/XX/XXXX I SENT AN EMAIL REQUESTING THEY CHECK THEIR RECORDS AS I DID NOT OPEN AN ACCOUNT. I SENT ANOTHER EMAIL ON XX/XX/XXXX WITH NO REPLY. THE PHONE NUMBER LISTED ON THE CREDIT ACCOUNT DID NOT WORK. THE ACCOUNT WAS OPENED FOR XXXX WITH A MONTHLY PAYMENT OF XXXX. XXXX XXXX XXXX FOUND NEW CONTACT EMAIL FOR THE FRAUD GROUP. I SENT THEM A NEW EMAIL REQUESTING THEY REMOVE MY INFORMATION FROM THEIR SYSTEM ON XX/XX/XXXX WITH NO REPLY. I SENT ANOTHER EMAIL ON XX/XX/XXXX ASKING FOR AN UPDATE. I AM NOW SHOWING THAT WHOM EVER OPENED THE ACCOUNT HAS MISSED THE LAST TWO PAYMENTS AND IT IS NOW AFFECTING MY CREDIT SCORE DRAMITICALLY AND SHOWS A BALANCE OF XXXX STILL DUE
08/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32208	Web
XXXXXXXX XXXX is reporting a secured loan to my credit report, showing a balance of {$720.00} but I dont have an account with XXXX XXXX or the Self lending app. My admin fees failed when I tried to apply and they mistakenly reported the installment loan to my credit anyways. On the Self app its telling me to create account which definitely means that I dont even have an active and open credit builder account with them. I called Self and XXXX XXXX and tried to resolve it but they seem to not care to delete their error. I dont even know how Im suppose to make payments on account I dont even have. Can you please investigate and delete the account below. The account number is XXXX Date opened :XX/XX/2020 Original Loan Amount : {$720.00}
07/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10128	Web
I have lived and worked in XXXX XXXX since XXXX and the only accounts that I have are student loan accounts. Between XXXX and present, someone has stolen my identity and used it to build credit and then take out high value credit cards, run up the balance, and then have them go into collections. Self as used to build up this credit. Bank accounts for were opened in my name, phone and utility accounts. XXXX refuses to admit fault in allowing these these accounts to be fraudulent accounts. I have filed police and ftc reports. They just keep saying public information points to these being accurate but my entire identity Ive true past 7 years has been a fraud as I simply dont live in the US . All my credit is in XXXX XXXX where I live and work.
08/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32208	Web
XXXX XXXX is reporting a secured loan to my credit report, showing a balance of {$720.00} but I dont have an account with XXXX XXXX or the Self lending app. My admin fees failed when I tried to apply and they mistakenly reported the installment loan to my credit anyways. On the Self app its telling me to create account which definitely means that I dont even have an active and open credit builder account with them. I called Self and XXXX XXXX and tried to resolve it but they seem to not care to delete their error. I dont even know how Im suppose to make payments on account I dont even have. Can you please investigate and delete the account below. The account number is XXXX Date opened : XX/XX/2020 Original Loan Amount : {$720.00}
12/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NV 89147	Web
On XX/XX/2022, I lost all of my personal stuff that including my ID, my Credit cards, my personal phone and more. Over the 9 months while i was trying to get everything back i looked at my credit report and i seen activities on there that i did not recognize. My credit card that was stolen in XX/XX/2022 has a balance of {$240.00}, Which is at Self Financial. When i contacted the company, they locked my account and told me i still had to pay the {$240.00} even though I'm not responsible for it. Also, there are two charges from XXXX one balance is {$130.00} the other is {$110.00} both of these loans were opened when all my belongings were stolen and i did not know it was on my credit report until now, I have not tried to contact the company.
10/09/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Unexpected or other fees	NV 89131	Web
I have always had my account at good standing until I used my credit card to pay for a item on XXXX, {$750.00} the item never was delivered, I also put my info in a {$500.00} deposit on a auction car from global auction and they submitted it and kept my money. I have contacted the company they told me to contact self since I made the payment through self, self have not contacted me about the situation, I have emailed, called, message them about this same situation, Self made my credit go down, I did not receive a refund and I have charges and late fees on my account due to this situation. the XXXX servicer scammed me, he created a delivery shipping label and delivery drop off from ups, the tracking number was fake delivery never delivered.
07/18/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	NV 89169	Web
XXXX Previously I filed a complaint with CFPB against SELF Lender. Self lender received my emailed cancellation request and responded with an with a cancellation email. This was all done within 30 days of my account being opened. There was no bill! The reason for this complaint today as of XX/XX/2020. SELF Lender going by this name, XXXX XXXX XXXX has reported me to the credit bureaus. They have my status as CURRENT and they have me with a balance of {$1600.00}. How is this all possible on a closed account with no balance? This will be reported and disputed with all credit bureaus and I am seeking legal advice if this doesn't get removed from my credit files immediately. This false information has dropped my credit score.
05/19/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	AZ 85295	Web
I reached out to the company Self Financial Credit card on XX/XX/2022 because I notice they were reporting a late balance on the account after it was closed and the deposit was sent back to me for the remaining amount over six months ago. Now after the account has been closed over six months they are reporting a late balance and stating I owe XXXX. I believe they are reporting false information and this is causing my credit score to lower due to the late balance. I try to login the account to see why they figure they was owed after they sent a deposit back to my bank account but I'm unable to gain access. I sent them an email on the site and that when they responded stated this amount. I was unable to load my inital request on the email
08/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32218	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
05/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77007	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
08/27/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	CA XXXXX	Web
I opened self.com/lender account aka an investment credit card in XX/XX/XXXX. Every XXXX and XXXX of every month self.com were paying themselves {$35.00} from my XXXX XXXX checking account XXXX by writing themselves a check for {$35.00}, payable to self.com. Those funds are for my personal needs in the near future incase of an emergency. Self.com back in XX/XX/XXXX closed my account ending in XXXX my investment of {$740.00} they kept, I never used those funds I invested in myself. They closed my account because I mailed them a letter informing them I was XXXX with XXXX and that I would be mailing my monthly payment late, instead of cooperating with me, or at least showing some kind of sympathy they closed my account and kept my money.
03/01/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	WA 98030	Web
I would love to send dates and times of transactions but the company SELF LENDER has not allowed me access. They are a financial company that helps build credit through various way. I advanced to XXXX XXXX of obtaining a secured XXXX XXXX of XXXX XXXX Somehow my card was allowed XXXX plus dollars to be charged. I did not agree to these terms. the card is secured with a XXXX XXXX. this brings up several problems. I have contacted them over XXXX times. they make it extremely difficult. they are not open on weekend and overall shady practices. they have not resolved my issues and it is ridiculous. For XXXX XXXX to be a company who is in business to help people rebuild there credit it hurts even more. During a pandemic. BEYOND A NIGHTMARE
01/04/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70127	Web
I have file a complaint serveral disputes with Self/Lead Bank , Self/Lead Bankhas fail to comply under the FCRA they have fail to delete transactions and experiences between XXXX XXXX and Self/Lead Bank XXXX The F.C.R.A. Specifically said XXXX USC 1681a ( 2 ) ( i ) Exclusion accept as in paragraph 2 the term Consumer report does not include transactions and experiences. ( # XXXX XX/XX/XXXX XXXX XXXX days ). Self/Lead has repeatedly reported transactions and experiences here is the list of transactions and experiences that they listed. According to your XXXX according to your F.C.R.A. transactions and experiences or not included on the consumer report. This a formal complaint for and F.C.R.A. Violations by XXXX XXXX for this Person.
04/26/2023	Yes	Checking or savings account CD (Certificate of Deposit)	Closing an account Funds not received from closed account	AZ 85015	Web
I opened a XXXX account with XXXX XXXX after one year they closed my account for not being able to verify information on my account and freezed my funds. I just finished the term of my cd the payout process began and I started another account because they offered it to me even though they so called couldn't verify my identity. Now my funds our frozen they never called to ask for any documents or noting. I am a us citizen I have a valid state driver license and I bank account savings account from XXXX XXXX with electronic deposit from my employer I don't understand what they can't verify I been paying on time from a valid XXXXXXXX XXXX account for a year and they refuse to let me speak to s supervisor and give me any information.
07/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60623	Web
I have been disputing this account information with Self and XXXX XXXX and XXXX. This account information is completely wrong. It is directly violations my consumer rights. I pulled my credit report with annual credit report and 2 credit bureaus are showing this account as open and one credit bureau is showing closed. I sent this info to Self Inc and they are saying the info is correct. It is also saying my last payment date was XX/XX/2023 for two credit bureaus and XX/XX/2023 on another. For example, I attached my XXXX credit report that I pulled from XXXX XXXX XXXX today. The this closed account is still showing open. It also shows the last payment of {$500.00} was on XX/XX/2023. Please see pages 18 and 19 of this document.
03/14/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85297	Web	Servicemember
In accordance with the Fair Credit Reporting Act, banking systems are to insure accuracy and fairness of credit reporting. The report of 30 and 60 days delinquent on XXXX and XXXX of 2022 by Atlantic Capital Bank is erroneous. Furthermore... 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. No mail was delivered to consumer not later than 21 days before the payment due date
04/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11550	Web
AS OF XX/XX/XXXX I HAVE NOTICED FAUD ACCOUNTS ON MY CREDIT REPORT Original balance- {$720.00} Account numberXXXX Open/closed-Closed Date opened-XXXX XXXX, XXXX Account type-Secured Loan Status-Paid, Closed. Status updated-XXXX XXXX Original balance- $ 724 Monthly payment -- Last payment date-XXXX XXXX, XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX INCOMPLETE ACCOUNT 3 IS GROUND FOR REMOVAL AND DELETION OF THIS ACCOUNT 15 U.S. CODE 1681C-2 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 an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.
09/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30127	Web	Servicemember
In accordance with the Fair Credit Reporting Act this creditor XXXX XXXX XXXX has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose. Resources : 15 U.S. Code 1681 - Congressional findings and statement of purpose \| U.S. Code \| US Law \| LII / Legal Information Institute ( XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S. Code 1666b - Timing of payments \| U.S. Code \| US Law \| LII / Legal Information Institute XXXX XXXX XXXX XXXX XXXX XXXX
06/17/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	GA 30350	Web
I reached out to self financial whom I have a credit with and I informed them that my card had been compromised and I needed to dispute about 6 transactions from Florida. They took my dispute and mailed me a new card but are still charging me for the fraudulent charges that dont belong to me. I never received a dispute kit, they just stated the charges were mine because I kept checking the app to monitor any fraudulent transactions from the state of Florida. I was in a bad car accident and no form of transportation until XXXX. Ive disputed it many times and even wrote letters to self and received no response back on how to get rid of the fraudulent transaction that are hurting my account, credit history and payment history.
07/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV XXXXX	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name Selfinc/Lend Account # XXXX Loan # XXXX ) has violated several of my rights. 15 U.S.C. 1681 section 602 A. Clearly states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states that consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose. Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
02/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 207XX	Web
It has come to my attention Self-Financial , Inc. is reporting certain payments as late : Account # XXXX : Self-Financial, Inc. reports to the 3 major credit bureaus as 30 & 60 days late in XX/XX/2020 & XXXX. Account # XXXX : Self-Financial , Inc. reports to the 3 major credit bureaus as 30 days late in XX/XX/2020. According to 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ), the following should be excluded from any consumer report : The report containing information solely as to transactions or experiences between the consumer ( myself ) and the person ( any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity ) making the report.
09/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	MA 02121	Web
DEAR SELF LENDER ; CREDIT BUREAU ; XXXX XXXX XXXX XXXX XXXX ; I am writing to dispute an inaccurate late payment notation on my credit report. These late payment was wrongfully reported on my account for SELF FINANCIAL/LEAD XXXX ACCT # XXXX XXXX - as being late on my credit report. However these late payments are incorrect, inaccurate, and violations of my credit report and privacy, and I have proof on-time payment for those months. Having inaccurate late payment on my credit report are damaging my credit score and ability for any company to extend credit to me. Therefore, I request that you immediately DELETE these late payment on my credit report, and please send me detail notification of correction once completed.
12/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 94565	Web
In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written Instructions. 15 U.S. Code 1681a- Definitions ; rules of construction- Exclusions.- Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
03/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38111	Web
I contacted this company for validation of the debt that they have inaccurately reported to my credit profile. I have found several contradicting information on my report that further prove my suspicion of this account being fraudulent and NOT MINE. Attached is proof of the credit report with misinformation differing across the three credit bureaus. I kindly request this item to be removed completely, never to be added back again. I understand that the Fair Credit Reporting Act regulates credit bureaus and collection agencies to ensure proper and accurate reporting for all consumers. In this case, I have not been treated fairly as the reported accounts are continuing to show -- with mismatch information especially.
09/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33073	Web
I, consumer XXXX recently reviewed my consumer reports from XXXX, XXXX, XXXX and saw that Self Financial Inc reported the status of the account with them as " closed charged off '' as per 15 USC section 1692d ( 1 ) my consumer rights has been violated. Any alleged unvalidated remarks or best furnished to any of the consumer reporting agencies is ruining my reputation, and it is defamation of character. I never had a balance this company to be reported as charged off. The information reported are incorrect and is causing me stress and demand the organization remedy this situation as soon as possible. I plan to seek remedy for damages as a consumer and legal measures if Self Financial continues to tarnish my reputation.
12/12/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 342XX	Web
Self lender has been disclosing non public personal information on my credit report that violates 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 15 U.S. Code 1681a - Definitions ; rules of construction- ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; section 1681s3 of this title ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Late payments and credit utilization are a result of transaction history.
01/24/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Privacy issues	IA 52405	Web
I've tried to get in contact with SELF Lender about the Wrong reporting on my account, I had a Credit Card with Self Lender for a year that came with a savings account, at the time I checked my Credit Report they were reporting it charged off, and I tried contacting them to withdraw my money out of my savings account and they wouldn't let me. and I believe I had {$400.00} to XXXX in my saving account over the year and some months I with them. I sent them a letter of to verify what they are reporting is accurate but did not hear back.. I tried to I sent them another letter and still didn't get a response. I sent another letter on XX/XX/2023. its reporting late payments that I don't know of so I need this issue fixed.
12/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 34972	Web
according to the Fair Credit Reporting ACT, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Singnautre on it ) you have on file of the accounts listed below.your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
10/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	DE 19901	Web
On XX/XX/2022 I called SELF Inc. to request that they send the statement of the alleged debt to me via mail so that I could settle the debt. I was denied that request and was told they only operate online and via email ; I was also told that they would not accept my method of payment. I also requested for them to stop reporting to my consumer report as it goes against my lawful rights and privacy and causing adverse affects in my life. I was also denied that request even after I sent them the laws they are required to abide by. On XX/XX/2022 I sent a cease and desist via email as they say they do not accept anything via mail and once again I received a response denying me of my requests, my rights, and my privacy.
08/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IN 461XX	Web
Self states that under the Fcra they are not considered a consumer reporting agency but a data furnished. How is that when they provided a loan? They also stated that the data sharing policy can be viewed on their website but their is no mention of anything being mailed or signed stating that I agreed to any reporting. I have not received any documentation of the reporting and per my last complaint, I clearly asking to opt out of all services with them include any data sharing or consumer reporting as that is my right per all USC laws written in my complaint below. The FCRA does not trump the CFR and USC laws backed by our presidents. This account is to be removed immediately before legal action is pursued.
01/27/2023	No	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	SC 29673	Web
I am a Self account number XXXX. The loan number was XXXX and the CD number was XXXX. This loan was paid off, however the proceeds from the CD securing the account were never returned to my account. My account ends in XXXX. I have recently been the victim at multiple situations involving identity theft. This was reported to the FTC. The identity thief took control of my Self account change the email address and phone number to their information. They also added their bank accounts for payout. I was asked to provide identity information to self which I did. The payout was supposed to occur XX/XX/XXXX. It did not go to any of my accounts. I was told he went to a debit card which I have no idea which is.
12/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75217	Web
I would like to thank your company for the many great years of service that Ive experienced as a customer. I have been very loyal during this time ; however, I am requesting some assistance from you if possible. Ive experienced some rough patches in life that were very difficult to handle due to some personal issues. I have always tried my best to get every single payment in on time, however there were a few times in the past that I was late. Apart from those few late payments, my track record for paying on time has been great. However, the few times that I was late shows on my credit report, and this can make it extremely difficult and hard to qualify for a mortgage, auto loan etc. As Im sure you know.
12/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75165	Web
I would like to thank your company for the many great years of service that Ive experienced as a customer. I have been very loyal during this time ; however, I am requesting some assistance from you if possible. Ive experienced some rough patches in life that were very difficult to handle due to some personal issues. I have always tried my best to get every single payment in on time, however there were a few times in the past that I was late. Apart from those few late payments, my track record for paying on time has been great. However, the few times that I was late shows on my credit report, and this can make it extremely difficult and hard to qualify for a mortgage, auto loan etc. As Im sure you know.
04/30/2022	No	Payday loan, title loan, or personal loan Installment loan	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	FL 34110	Web
I signed up for a credit building loan of {$720.00} from Self Lender on XX/XX/2021. Due to being XXXX with XXXX i missed the monthly payments of XXXX and XX/XX/2021. The payments were made 30 and 60 days late, resulting in my credit score dropping to XXXX. The loan has now been closed, and no money is owed to the lender. I have contacted Self Lender in regards to deleting the account off my credit report, so i have a chance at building up my credit again. They refuse to help me. From now on, i will have to struggle greatly with finding an apartment, or getting a new job within my line of work, for years because of circumstances out of my control. Therefore i ask you kindly to intervene in this matter.
10/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85033	Web
The company self has violated the law and my consumer rights! I have mailed them with no response! Law 15 U.S. code 1666b is as states : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer no later than 21 days before the payment due date. They failed to mail me any type of letter stating my payment was due in 21 days thus the late payment for the account opened on XX/XX/2020 and closed on XX/XX/2020 have to be deleted.
02/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	NC 28105	Web
I am conducting this complaint on the SELF credit card. I have tried several times for months to pay my card off, however, the payment always states failed and the transaction never goes though. I have tried to call the customer service number over a course of months and even waited on the phone for 2 hours on hold. Even then I could still could not get into contact with anyone. Finally when I contacted them though email, I received a response. Unfortunately, it did not even help me find a solution. In that instance I asked for a supervisor and the associate stopped contacting me. This card is starting to affect my credit score in a very negative manner and I just want the issue to be solved correctly.
10/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 92647	Web
and prior XXXX report shows self correction and agreeing to correct a problem with many different angles including not sending a credit card that originally wasnt ordered by me anyway and continues violations of the FCRA rule in regards to reporting erroneous information when already agreed to correct the issue. XXXX XXXX XXXX and XXXX each corrected the status of the account to XXXX agreed but did not eliminate the XXXX missed payments displayed on the credit card I never ordered. The settlement was agreed to was self that would be taken off the record since it was their fault for ordering a card I never ordered. To maintain status quo I agreed with XXXX to keep the card but Im starting to regret it.
02/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77071	Web
Self Financial, Inc. Is in violation of the Fair Credit Reporting Act due to negligence on your behalf and failure to report accurate and updated information to the credit bureaus. You have failed to update my Self Credit Builder account. This account has not been updated to any of my consumer reports with either reporting agency, such as XXXX XXXX, and XXXX. The account shouldve been closed out on XX/XX/XXXX, and sent to each reporting agency. You have yet to send the reporting agencies anything about my account since XX/XX/XXXX. Within that time I made two ( 2 ) more payments on XX/XX/XXXX, I paid {$400.00} and interest payment of {$4.00}. Nothing has been updated and sent to the reporting agencies.
04/15/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	TX 769XX	Web
I am a victim of identity theft, someone used my information to take out a {$720.00} loan with Self Financial. I did not ask for this loan, I did not apply for this loan. I have XXXX and I was notified by them about a credit change on my credit report. When I looked at my credit I found this loan on my XXXX credit report. XXXX is now trying to take care of this for me through their restoration process. This merchant is hard to get a hold of, no one answers the phone when calls are made. If calls are answered no one can help, can tell me if they received the documents XXXX sent to them on my behalf. I need this to be looked at on a higher level and get this account as fraud and removed from my credit.
10/13/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with customer service	TX 78212	Web
Self financial XXXX XXXX XXXX # XXXX XXXX TX XXXX www.self.inc Self financial is the company I am filing this complaint about. I have been issued a credit card by them, then after I've been using it NOW they shut the card off and ask me to verify my identity. So I upload a copy of my driver 's license and debit card through their website and have emailed them several times. I have received one email back asking how they can help, i answered in the email I need help verifying my identity and I would like my card turned back on and haven't received another email since then. They have ZERO phone line customer service. ZERO chat box on their website. This is a DISGRACE to treat CUSTOMERS like this.
12/09/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	NC 27886	Web
Failed missed payments due to being affected by XXXX lockdown and also, a current XXXX XXXXXXXX who's struggling to take care of himself personally. I'm also a XXXX who has to apply for FAFSA which is financial aid to help the student afford college. Being that I'm a XXXX XXXX I don't receive XXXX XXXX to assist me with any type of payment. According to my payment history I'm on time with my payments, but despite not being able to make payments due to uncontrol circumstances I failed to make a few payments. XXXXXXXX XXXX - late payment on XXXX XXXX XXXX 30 days late ), XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 60 days late ) XXXX XXXX XXXX XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 60 days late )
02/03/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CT 064XX	Web
Due to the covid pandemic, there was a loss of income in my household that directly impacted my auto-pay from access to funds. I managed to make the payment late and when I tried to inform the company of the circumstances that led to the failed payment they would not listen. They marked it as a late payment and as a result my credit score went down almost 41 points. Its a really bad time but I am still able to make all my payments, even with the loss of income. They dont not treat people like human being, especially in the worst time of lives! They gave me an auto generated response, its like no human being works there and is aware of the unusual circumstances currently taking place in our society.
06/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93662	Web
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name : XXXX XXXX & Account Number : XXXX ), has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
10/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WI XXXXX	Web
In 2020 when i noticed this account on my credit report with XXXX i disputed but XXXX back then never removed it. because in the initial investigation self finical inc and XXXX XXXX couched up evidence to convince XXXX it was my account and that it wasn't identity theft or that it wasn't fraud and that indeed i wasn't a victim. now today after its still remains on my credit report i reach out to XXXX again in the midst of disputing other inquiries and charges i brought this on e up. they told me i have to get a letter of deletion from self financialXXXX XXXX in order for XXXX to remove the regular inquiry that i dont recognize from my credit report. so I was hoping that cfpb could enforce that.
06/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 49418	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act " Self Lender Financial '' ( Account # XXXX ), has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B ; A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
11/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	NC 28358	Web
I applied for an XXXX XXXX Credit card. My intention was merely to improve my XXXX XXXX score. XXXX XXXX required that the initial contract was that pay monies that would be in escrow and returned back to me after a certain length of time. As time progressed, it got close to me collect my XXXX or more ( escrow ) along SELF Sent mailed me a check for {$160.00}. THEY STATED THAT MY ACCOUNT WAS SATISFACTORY PAID. SELF FINANCIAL SOLD MY INFORMATION TO ANOTHER BANK UNDER THE SAME NAME. I BEGIN TO SEE ON MY CREDIT REPORT WITH ANOTHER SELF ACCOUNT I HAVE NO KNOWLEDGE ABOUT NOR DID I SIGN A CONTRACT WITH THIS BANK. I DISPUTED ON XXXX NUMEROUS OF TIMES. XXXX REFUSE TO REMOVE THIS DEROGATORY CHARGE. XXXX
02/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77057	Web
On or about XX/XX/2022 i received notice from XXXX XXXX that there was a {$520.00} balance from XXXX XXXX XXXXSELFLENDR. I googled and found it was from a company called Self. WWW.SELF.INC. I have never applied for anything from that company. I attempted to call the company but since I didn't have an account they would not accept my call. There is no option to speak to an operator. I have tried responding to e-mails they have sent to me but their e-mail system does not allow you to reply I did not apply for this and I want them to remove this charge from my credit report. It is fraud and someone must have obtained my information OnXXXX or about XX/XX/2022 I have XXXX file a fraud report as well
06/09/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	KS 67216	Web
Ive had an account with Self.inc ( formerly Self Lender ) for over XXXX years. Ive gone through XXXX Credit Builder loans and had a secured credit card with them with a {$1700.00} security deposit from the XXXX loans. One month ago I paid off my credit builder loan early as Id come into some extra funds. Payout was supposedly XX/XX/XXXX. Three weeks ago I received an email that they needed information to verify my identity ( pics of license and social namely ) so I sent them in. One week ago they sent me an email saying they couldnt verify, so my credit card account is now also closed. After paying the balances off, Im owed over {$1200.00} that should have been paid back to me per their terms.
09/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92647	Web
Two parts outline this nightmare due to selfs predatory lending practices in and inefficient customer service and exorbitant fees. Ive spent my life was perfect credit and only looked to use Self because of the misrepresentations it made on television regarding building my credit. Unbeknownst to me they had signed me up for a credit card as some sort of reward to the end of the term of the first loan which I paid off perfectly however since I did not receive any notice and failed to see where I signed or excepted service of that card I ended up with two late payments for the first time in my life. Self currently has 1000s of these XXXX complaints That clearly defy the fair credit lending act.
09/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or misleading advertising or marketing	FL 32223	Web	Servicemember
The company is Self Financial which is a credit-building account I put money into the self-account every month by paying every month and I am supposed to have a line of credit which I did for 3 yrs, and never missed a payment they also issued me a secured card for which I did not know it was secured I have paid more than the min balance in XXXX I was sick with XXXX and I accidentally paid the credit builder account instead of the XXXX so I was charged a late fee and it was reported on my credit as late I need it removed trying to buy a house and now they have damaged my credit instead of improving my credit they will not reverse the late fee to take off my credit they have many complaints
10/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 782XX	Web
For over the past many years. I Have been going by the book on hoe to go about ID-Theft/Data Breach, I am Now to a point where something needs to give, because now my XXXX XXXX XXXX daughter name is now coming to me in the mail ( NOT FAIR ), the first of the data breach letters. I want instant justification. I been looking sue Someone /Companies, I have done IDtheft.gov., I have made police reports. I am even willing to go in as my own lawyer as I do understand what is at hand here. I AM Unable to get anywhere or ahead or even get my business going due to all this credit report and false Information. It has now been 10 years dealing with this matter and on ways on how to come up in life.
04/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MA 02131	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose Self lender is reporting an account on my report with late payments this should not be on my credit report by XXXX XXXX payments should not be reported with lout my permission I would like these late payments removed immediately Self lenders account number XXXX
03/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Excessive fees	IL 60411	Web
I contact Self lender in effort to correct Credit, the self lender representative states you were having trouble? then ask if I could verify my Birthdate and SSC number XXXX gave her the info, she said you had a previously, had an Email here but XXXX said that u were like XXXX yrs old and, and she had my SSC # she went on to say there was a previous balance, did I want to pay the amount now and then it could be cleared up! To start a the devices rendered, I responded why would I pay for a service that Ive never had with the particular company as of yet! She says Aww! yeah that is right so right now until this is cleared up I still dont have the service that was sought after intially!
09/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 37130	Web	Servicemember
My credit report shows that my payment status with XXXX XXXX XXXX is 60 days due on from a past payment. Yet my payment history does not reflect any of this, it only shows one 30 day late payment, in XX/XX/2017, on only one credit bureau. I have not been late on this account, I called the XXXX XXXX in XX/XX/2017 to have remedy the payment from being late and was accommodated. I have been unsuccessful in reaching out to XXXX XXXX regarding this matter as this loan product was under a different name of Self Lender and has since been sold and rebranded. All communication efforts have been unsuccessful, even through validation and dispute processes with the three major credit bureaus.
02/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or misleading advertising or marketing	OH 43211	Web
In a nutshell, this credit building repair states that the will report to all three CBR when you sign up with them. It is not a loan, rather, they pull draws from your personal checking account for a period of 24 months, they claim they only take {$9.00} administrative fee, the money is held on an authorized bank account and is released after 24 months. what they don't say, they charge finance charge on your own money? Please see screenshot attached were they list they terms and conditions, not disclosed anywhere, or barely emphasized on that particular screen. Furthermore, when you cease they sign up process, you are bombarded with " customer reviews '' to encourage signing up.
10/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 23462	Web	Servicemember
On XX/XX/XXXX, I submitted my original dispute, via XXXX, with SELF FINANCIAL INC/XXXX XXXX stating the amount reported and status of the account is wrong. ( This account has been closed with a {$0.00} balance since XX/XX/XXXX, with the deposit returned to me on XXXX ). XXXX came back and stated that the information was updated on my credit report - only for it to somehow end up back at the original amount with a LAST REPORTED DATE of XX/XX/XXXX. I then resubmitted for a new dispute to correct the information and yet again, XXXX came back and said that this is correct. It shows a 100 % utilization on a card that I do not have, and have not had for MONTHS! How is this possible!?!
05/18/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	CA 945XX	Web
This is my complaint regarding XXXX XXXX Bank AKA XXXX XXXX Account number XXXX. I opened this account specifically in XXXX with my own money to better my credit since it's being reported to the three credit bureaus. My checking account was compromised With my bank by a scammer. Neither the bank or XXXX XXXX Bank AKA XXXX has notified me but the monthly {$25.00} were not received.I never received a notice in the mail that this account is not being paid. Because of the negligence of self.inc my credit report is being 90 days late reported As of XX/XX/XXXX. I am not even sure how many payments I made to This bank. They took my money and destroyed my credit and never notified me.
06/13/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	MN 565XX	Web
After paying off the balance on my secured card, they froze my account and said during a " routine review '' I needed submit verification. They requested my driver 's license and bank statement. I have never had a credit card secured or otherwise ask for this information but, I complied. I requested my account to be closed and my security deposit returned. I also had a credit builder CD account. I paid it off and requested pay out on that as well. They currently owe me {$3500.00} A month later all they will say is account still under review. There I currently a warning on XXXX website about this company so, I am part of a much larger group all experiencing the same problem
01/04/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or misleading advertising or marketing	AZ 85209	Web
My rights have been violated in relation to an account on my credit report. SELF FINANCIAL/LEAD BA XXXX Have you heard of 15 U.S.C Sec 1681 ( a ), if you can not provide proof this account is 100 % accurate then this account must be deleted. Please provide me with the original contract that I signed with my wet signature if you can not then It must be deleted from my credit report. I dont believe the information on the account is 100 % correct and needs to be deleted or updated to paid satisfactorily. 15 U.S.C 1681 Section 602 A - I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 - A consumer reporting agency can not furnish an account without my permission.
12/17/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	NC 27284	Web	Servicemember
I opened up a credit builder account with Self Financial. I paid the initial process fee and they In return open up a certificate of deposit and report that amount as a loan on my credit report. I made monthly payments to them until it was paid off. In return they are supposed to cash out the certificate of deposit and return that money back to me. I have not received any of my money back from them. I opened up a XXXX XXXX XXXX complaint and the company told the XXXX that they are having a hard time in identifying me and that they holding my funds because they believe that my bank account is fraudulent. Everything that Self Financial has stated or claimed has been dishonest.
07/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19125	Web
# XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can furnish a account without my written instructions. XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open # 12345, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency car furnish a account without my written instructions. XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open plan as late for and purpose.
04/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27587	Web
I am writing this complaint to Self/Lead Bank. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
08/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	SC 29406	Web
SBNASELFLNDR Date : XXXX XXXXXXXX Account Number:XXXX Action : certified letter was sent to remove all late payments ( XX/XX/, XX/XX/XXXX ) account is paid, and now closed. XXXX Date : XXXX XXXXXXXX Account number:XXXX Action : certified letter was sent to remove this account I have not supplied proof under the doctrine of estopped by silence, Engelhardt v.Gravens ( mo ) 281SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. XXXX XXXX Date : XXXXXXXX XXXX Account number:XXXX This auto loan was paid off through insurance settlement, i sent a certified letter to have account updated in good standing.
07/01/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30115	Web
Hello, alleged creditor " Self '' is reporting an account to my consumer report that was not authorized by me. I have never done business with this alleged creditor. I have no knowledge of this alleged debt, I do not consent for this alleged creditor to house, share, or benefit from my public/private information in any way. I dispute the validity of this alleged debt. Please provide proper 10 proof verification per FCRA and FDCPA federal reporting guidelines for proper validation of this alleged debt. Please provide me with an audit trail and the original signed contract. Please cease and desist any/all communication with me and my personal information I do not consent.
01/13/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Improper use of your report Reporting company used your report improperly	NC 27405	Web	Servicemember
In accordance with the Fair Credit Report Act XXXX XXXX has violated my rights. Allowing a late payment reporting on XX/XX/22, XX/XX/22. Under 15 U.S. Code 1681 Section 602 states There is a need to insure that consumer reporting agencies exercise a respect for the consumers right to privacy. 15 U.S. Code 1681 Section 604a Section 2 also states, any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In Accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
05/27/2022	Yes	Checking or savings account Checking account	Managing an account Banking errors	CA 95210	Web
Within the last two weeks when making transactions between SELF, financial and XXXX XXXX XXXX XXXX ( XXXX ) and paying from XXXX account SELF notified me that the XXXX is saying that there is no account in existence, or unable to locate. However, when I contact XXXX they say Self has not contacted, or tried to charge the account. SELF has charged multiple fees, although the account has more than enough for the transactions, and to date has not offered to erase or eradicate the charges. I have gone back and forth between both companies and have yet to receive any practical solution to the ongoing issue, and improper fees and charges when I did everything right on my end.
02/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	PA 15108	Web
In accordance with the fair credit reporting act, All information must be 100 percent accurate on my report. The credit bureaus stated that my account was properly investigated but that cant be possible. They have failed to provide sufficient proof of verification of these accounts. The Date last active is inaccurate. The Original Payment amount is inaccurate. The Name and Address is also inaccurate. I was told the Agencies could not update my information due to the fact that these additional Alias name variations and addresses were still reporting inaccurate personal information on me. This is a violation of my consumer rights according to the FCRA. XX/XX/2023
05/24/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	GU XXXXX	Web	Older American, Servicemember
IN XXXX I OPENED ACCOUN WITH SELF.INC AND STARTED MAKING PAMENTS TO ACCOUNT SET UP WITH THE KNOWLEDGE I COULD CLOSE ONCE I HAD COMPLETED PAYING {$1600.00} HELD BY XXXX XXXX XXXX XXXX.I WAS PAYING {$150.00} XXXX, XXXX, XXXX BUT AFTER RECEIVED STIMULUS DECIDED TO PAY COMPLETLLY AND CLOSE THE ACCOUNT. I PAID {$1600.00} IN XXXX BUT SELF.INC ASK ME TO IDENTIFY MYSELF. I UPLOADED MY FLORIDA DRIVERS LICENSE WITH A SELFIE PICURE AS REQUESTED AND MAILED A LETTER TO SELF.INC HDQS IN WHICH THEY SIGNED FOR DELIVERED BY USPS ASKING TO CLOSE ACCOUNT.INCLUDED IN UPLOADED ATTACHMENTS.THEY WILL NOT CLOSE ACCOUNT I LOGGED IN XXXX.NO CORRESPONDENCE SINCE I ID MYSELF AS SENIOR CITISEN
11/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 94565	Web
In accordance with the fair credit reporting act XXXX Account number XXXX, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S. Code 1681a- Definitions ; rules of Construction- Exclusions. - Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit plan as late for purpose.
07/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33076	Web
In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX ( secured credit card ) Account XXXX XXXXXXXX XXXX XXXX XXXX ( secured loan ) Account XXXX XXXX XXXX XXXX ( secured loan ) Account XXXX XXXXXXXX, Acct XXXX XXXX, Acct XXXX XXXXXXXX.
06/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30127	Web
while I was away in Florida training from XX/XX/XXXX- XX/XX/XXXX for a XXXXXXXX career. When I returned home to start inquiring about buying a home back home in Georgia, I pulled my credit report to check status and notice a few accounts on my file I did not apply for. I called the companies on my credit report and they said that it was accurate. I told them that it was not me I was in Florida and that it had to a mistake. I talked with the loss mitigation department with each company, and each one informed me to file a report of identity theft and submit the required documentation to so that they can initiate an investigation and have my credit report updated.
09/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23223	Web
Hi, I am very upset you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent several letters, it's been over 60 days. I need these accounts deleted or updated. These are the items I demand be deleted immediately : XXXXSELF/opened XXXX $ XXXX reporting twice misleading false reporting unverifiable and inaccurate reporting. This account is a duplicate which is a FCRA violation XXXX : Date of inquiry : XX/XX/XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX {$8500.00} XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
04/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 11218	Web
Starting XX/XX/2020 I received a 30 day late payment & in XXXX a 60 day late payment on my credit report from Self Financial Inc. in regard to a CD account I had with them. I spoke to a rep named XXXX who let me know that my primary card payment failed in XXXX, the computer tried my secondary payment method which went thru successfully but they had turned auto-pay off. Which then resulted in the XXXX & 60 day late payment on my report. I spoke to the dispute department @ Self Inc. to see what I can do to remove the late payment reporting, in an email they responded there was nothing they can do about it because they're job to report accurate information.
03/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	MN 554XX	Web
I joined a credit building company last year.CALLED SELF.I was paying {$35.00} dollars a month toward the loan they set up for me to pay in 24 months.In XXXX of last year.Someone working for them was stealing my payments going to them from an automatic payment straight from my bank account to them.Paying the monthly fees and the credit card payments. I filed complaints against them for the theft that was happening last May.It was found in my favor for the theft that was being committed against me.So they closed out my file as COMPLETED, BUT HASN'T RELEASED MY CREDIT FILE TO THE BUREAUS IN 10 months. Leaving me without a credit score for the last 10 months.
10/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21223	Web	Older American, Servicemember
I have accounts on my credit report that I did not open and have no knowledge of, and the accounts are negative. Accounts are 1 XXXX XXXX XXXX XXXX XXXX opened XX/XX/2021 2 ) Self Financial/Lead Bank opened XX/XX/2021 XXXX ) XXXX XXXX opened XX/XX/2021 I made a complaint with all 3 credit places XXXX, XXXX, XXXX and they all say to report it to the FTC and file a police report. I hope you can help me resolve this matter and remove this fraud from my credit. I was in School in XXXX till XX/XX/2021. Please help me straighten this out. I phone these companies and XXXX XXXX XXXX also stated to contact the FTC. From the other companies I received no response.
08/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 366XX	Web
I, XXXX XXXX, recently checked my credit report and was disappointed that Self is reporting on a closed account and that all 3 credit bureaus are allowing this. This account has been closed since XX/XX/XXXX. I received my pay out from the company and acct has been closed. On my credit report this company closed my account in XX/XX/XXXX. However they have been reporting late payments since XX/XX/XXXX. The last reporting date on this account is XX/XX/XXXX and this is significantly damaging my credit report. When logging into the site I am not prompted that I owe anything just offering to do business with me again. This is holding me back from so much.
08/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	PA 19124	Web
XXXX XXXX XXXX XXXX with SELF on XX/XX/2022. Closed account on XX/XX/2022 with XXXX balance. Paid administrative fee of {$9.00}. During my process of opening credit builder loan, SELF stated that account would be reported to XXXX, XXXX and XXXX credit bureaus at the end of each month including late payments XXXX late. As of today account is not reported to XXXX, XXXX and XXXX credit bureaus. Had I had a payment of 31-days late, I believed SELF would had reported it to all the credit bureaus as it stated on its website. I believe since I closed my account early Im being penalized by SELF by account not being reported to Credit Reporting Agencies.
06/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 122XX	Web
XXXX Credit Bureau is still reporting an inaccurate account from the company : Self Financial/ Lead BA account # : XXXX and account # : XXXX. This account was disputed multiple times for the first fraud and continuously reported on my credit report without proper investigation. I have never received any written correspondence from either company, XXXX or Self, about my credit report or an update to my credit report. I would like this account removed immediately from my credit report. The account is also charged-off and a charged-off account by a creditor or financial institution is considered income. And income can not be reported on a credit report.
02/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 367XX	Web
XX/XX/2021 Self Financial Inc/ Lea XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX To Whom It May Concern : The credit information currently on my credit report contains an entry showing a 30-59 days late payment but the account was PAID IN FULL. I acknowledge that I was unable to fulfill the terms of the account agreement by failing to properly adhere to the monthly payments. It would assist me tremendously if you could make a goodwill adjustment that removes the negative payment entry from my three credit bureaus reports. This is a closed account that represents a past failure that I am hopeful will not continue to hinder my future.
06/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IN 46123	Web
XXXX XXXXl is and has held XXXX XXXX yes you heard correct XXXX $ on my credit report saying that my balance is overdue?! First of all its a credit building account, and my money goes in and then once the account is canceled my money I spent saving and building my credit comes BACK TO ME, how the XXXX do I owe you XXXX $?!! And then you hold it on my credit report as history period, and as history as a derogatory mark and saying my credit history is balance overdue?! Wrong answer, I paid my account off in full, IN FULL, REMOVE IT NOW OFF MY CREDIT PROFILE PERIOD OR I WILL EITHER SUE, TAKE TO COURTROOM WITH MY ATTORNEY, OR PRESS CHARGES FOR HARASSMENT
05/02/2022	No	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	AZ 85035	Web
I HAVE BEEN WITH THIS COMPANY FOR 3 YEARS AND THEY HAVE NEVER DONE THIS OR BEEN AS XXXX WHEN IT COMES TO CUSTOMER SERVICE. THEY STOPPED ALLOWING ME TO USE MY CREDIT CARD WHICH WAS THE ONLY FORM OF MONEY I HAD FOR THE WEEKEND OF WHICH JUST PAST AND THEY DID SO IN A FASHON THAT IS DISCUSTING. DISCUSTING NOW ON MONDAY THE CSR IS STILL BEING CONDESCENDING AND REQUESTING MORE DOCUMENTS LIKE I, AM DOING SOMETHING NOBODY HAS EVER DONE. I, AM NOW THEY ARE BEING ACCUSATORY IN NATURE AND I DO NOT APPRECIATE THE EVEN THOUGHT. THIS COMPANY SHOULD BE FINED AND I WILL BE PAYING AND REMOVING ALL MY BUSINESS AS QUICKLY AS POSSIBLE WITH A XXXX COMPLAINT AS WELL.
06/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AR 72120	Web
I have been disputing SELF/LEAD ACCOUNT for over a year. I have been disputing inaccurate information and telling the credit bureaus that the information is inaccurate and misleading. My credit score has dropped XXXX point since this account is mishandling my credit report. I have tried over a year or so to contact the company and resolve this issue. I have also sent this company emails which they never respond. Also this account has been in violation of re-aging, all XXXX credit bureaus are reporting different and inaccurate dates as date opened, date of last active, date of last activity, date of last reported, payment status and payment history.
01/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or missing disclosures	NY 11435	Web
I currently have an account with Self XXXX XXXX. I look at my Credit report from XXXX on XX/XX/2021 and it stated by Balance decreased by {$21.00}. I then, called XXXX to find out why my score decreased. The customer service rep mentioned she not sure why this happen it should not happen. She stated im on time with my payment and don't owe any thing. She direct me to call the FTC. I called the FTC they told me to call Self Lender. I was on hold for an hour then hung up on. I have no late payment with Self. incorrect inform was provide to XXXX. I been on time with my payments. My score drop 41 point because of an error. This need to be corrected.
03/27/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	SC 29223	Web
I have 2 late payments for the month of XXXX and XX/XX/2022, and my payments was never late. I think it been a error on they behave with the banks and now I have 2 late payments on my credit report that's messing up my credit. I did call and informed them of this and the customer care person did not want to call the credit bureau to fix this she just told me to file a dispute with the credit bureau. Been with this company for almost a year now and never had any issues. So I check my credit report again lately and someone change the date to XXXX and XXXX of me being late instead of XXXX and XXXX. This falls up under 15 U.S code 1666B billing errors
06/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30341	Web
Your company is reporting late payments to my consumer report. This is a direct violation of the FCRA. 15 USC 1681 ( 2 ) ( a ) ( i ) clearly states the definition of a consumer report and what is excluded from a consumer report. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IF TRANSACTIONS AND EXPERIENCES ARE EXCLUDED FROM MY CONSUMER REPORT WHY ARE YOU REPORTING LATE PAYMENTS ( transactions ) ON MY CONSUMER REPORT?
05/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55412	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Minnesota You are in direct violation of the fair credit reporting act ( XXXX ) Has violated several of my rights. 15 u.s.c 1681 section 602 A. Clearly states that I have rights to my privacy. 15 u.s.c 1681 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 u.s.c 1666b : A creditor may not treat payment on a credit card account under a open-end consumer credit plan as late for any purpose. Remove the late payments and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.
05/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	NY 10453	Web
The company is XXXX XXXX XXXX. I paid into my account for 4 months they closed it unexpectedly and told me in the app that they would send my closeout amount in XXXX business days. I waited past XXXX business days and contacted them They sent correspondence telling me they put a freeze on my payout of over {$100.00} and my credit score went down XXXX points. They gave misleading information and had my score raise and closed my account and then act like they are not returning my money. My credit score dropped lower than it was then when I got with Self. Now they are trying to keep my money. I want my money back asap. The amount of over {$100.00}
09/06/2022	No	Payday loan, title loan, or personal loan Installment loan	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	MD 207XX	Web
In XXXX and XX/XX/2020, due to loss of employment due to the pandemic, I was over 30 days and 60 days late with my payments to XXXX XXXX XXXX Account # XXXX ; and XXXX XXXX XXXX # XXXX. I have sent 4 letters to XXXX XXXX Chief Financial Officer ; XXXX XXXX VP, Operations ; and XXXX XXXX, CEO asking for removal of the late payments from my credit reports ; The accounts have since been brought current. I believe under the CARES Act I am entitled to relief and these late payments should be removed. The bank refuses to acknowledge that the late payments were pandemic related late payments and will not make adjustments to by 3 credit bureau reports.
04/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32117	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX You are in Direct Violation of The Fair Credit Act { XXXX XXXX and XXXX XXXX XXXX XXXX } HAS VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 602A CLEARLY STATES THAT I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604ASECTION 2 : IT ALSO STATES CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRRITTEN CONSENT. 15 U.S.C 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE REMOVE THESE LATE PAYMENTS AND UPDATE THESE ACCOUNTS IMMEDIATLEY AS YOU ARE IN DIRECT VIOLATION OF SEVERAL LAWS UNDER THE FAIR CREDIT ACT
05/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19145	Web
I, the consumer in this action, submitted a dispute, regarding XXXXXXXX XXXX XXXXXXXX XXXX falsely furnishing an account to numerous consumer reporting agencies. This was never a loan, I asked for proof of this being a loan and money being dispersed from XXXXXXXX XXXX to myself, the consumer. Also, since this was not a loan, how are they reporting late payments? First, pursuant to 12 CFR 1431, banks, which XXXX is claiming to be, can not loan money because they are the borrowers. Second, XXXX has never given me any money, they fraudulently made it look like they let me borrow my OWN money and pay them back. This is absolutely illegal and fraud.
07/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	TX 76052	Web
Dear sir/mum There is so much complaint about self inc that you people are still egnoring to this day. XXXX a victim of self inc fraudulent reporting .Are they getting paid to report negative things? I respectfully request your prompt attention to the following inaccurate information on my credit report. The following item is inaccurate negatively affecting my credit please re-investigate this matter and delete end or corrected speeded item. I respectfully request that you provide me with proof of the disputed item specifically any contact note court document or any instrument be having my signature. Failing that this item must be deleted.
01/03/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Overcharged for something you did purchase with the card	CA 94578	Web
TO : XXXXXXXX XXXX XXXX XXXXXXXX I reviewed my Consumer Reports and noticed that I had 3 late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the XXXX XXXX XXXX XXXXXXXX XXXX Please investigate and provide Proof with statements, full accounting, on ledger off ledger showing that these payments were late. If proof can't be provided I demand these payments be updated on the time as they should be as I was NEVER Late. Thanks, Sincerely, XXXX XXXX
10/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 94608	Web
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.
10/28/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Problem with customer service	OH 43016	Web
I have been trying to get Self financial off of my Credit Report for 2 Months with no luck except with XXXX who deleted it. XXXX displays SBNASELFLNDR saying that it's under collection or Closed. I reported identity theft months ago regarding this and also sent the report more than once to the right email I know it's right. The second account is the same this but trying to get me to pay under another bureau and it's called XXXX who I also told this was identity theft and sent the documents. This has been a stress and caused me to miss work and emotionally been crushing me having to complete a process over and over. I would like this removed.
06/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32566	Web
I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : SBNASELFLNDR Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I previously disputed this account stating : ''The current payment status of 60 Delinq is incorrect because the balance due on this account is {$0.00}. Please remove all late payments and negative reporting or delete the account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account immediately
09/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11236	Web
I am writing to formally report an issue concerning several of my credit cards that have been compromised due to fraudulent activities. Despite my immediate actions to report the unauthorized transactions to my bank and credit card providers, it has come to my attention that one of these accounts has unjustly been sent to collections. I acted promptly in reporting the unauthorized activities and cooperated with all required procedures, providing necessary documentation and information to my financial institution. Despite these efforts, the account mentioned above has been forwarded to a collections agency, affecting my credit standing.
10/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IN 463XX	Web
There was a bank merger between XXXX XXXX XXXX XXXX XXXX XXXXXXXX, during the transition period, my debit bank tied to my account did not process a payment to Self Lender. As a result, my account has been reported as late. This is a complete error, there was sufficient funds in the account, the bank provided a letter of proof of funds but the credit reporting bureaus and Self Lender has refused to correct the error. This type of error on my credit report ( s ) is damaging and it's unfair. They continue to ignore my request after multiple requests to this company asking for resolution for the inaccurate late payment that's being reported.
06/01/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MS 39212	Web
I was in the process of my credit rebuilding journey, didn't know much about maintaining/organizing good credit history. I was on XXXX and ran across credit rebuilding tips. Self Financial INC/LEA has a ''secured '' credit builder loan. Didn't understand it fully, signed up XX/XX/XXXX for the secured loan of {$530.00} During the Pandemic, I was struggling. Didn't think because it being a secured loan. Didn't thinkt hat it would impact me negatively! I never sent any money or used the account. Now 30/60/90 day ''late payments are on my credit report. I closed the account, disputed with all 3 bureas to have the account removed to no avail.
01/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	AL 36695	Web
Hello my name is XXXX XXXX ; and the company that I am filing a complaint against is XXXX XXXX. when i began my credit building journey i was fresh out of high school and decided to start with self XXXX years ago ; there was an issue with my autopay which resulted in me receiving a late payment on my report. i havent received a late payment before or after that incident and now that im on the market for purchasing my first home this negative item on my report is the only thing holding me back. Representatives at self are refusing to give me a concrete answer or offer any help for my situation and the CEO has completely ignored my emails.
11/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	MI 48322	Web	Servicemember
I submitted a dispute to Self Lender via email on XX/XX/2023 and via mail as well. The mail communication was sent on XX/XX/2023 and received by Self Financial on XX/XX/2023. The communication was a dispute for the account number According to the FCRA 623 ( A ) ( # ) and ( A ) ( C ) and FDCPA 807 ( 8 ) the data furnisher has a duty to provide notice to the credit bureaus within 30 days. Self Financial was required but Failed to notify the credit agencies of the dispute and therefore. I also contacted the credit reporting bureaus disputing this account and they failed to add the notice of dispute this account. Please see attached report.
05/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 273XX	Web
Self lender reported for XXXX to XX/XX/2023 a balance of XXXX dollars..my credit limit is XXXX..on my credit card stament close date my balance was on XXXX cents..I was way under 30 % of my credit utilization..my stamens close date was XXXX I never spent any of my money on the card..therefore my balance was reported inaccurate I even called them to verify my statement close date ... my credit score went down XXXX points ... this is fraudulent in accuracies and they should be punished by law as a credit company ... in XX/XX/2023 they reported my balance was XXXX dollars when I had a balance of XXXX dollars of a XXXX dollar limit..
03/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32566	Web
Self/Lead Bank violated my rights numerous of times I didnt give written permission to furnish account 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1666B : a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1692C ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
10/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	GA 30045	Web	Servicemember
I opened a self financial credit builder account to improve my credit which was entirely voluntarily I Was told I may cancel at any time and even though I canceled service I am still receiving negative developmentary remarks on my credit report stating that myself payment is late this is untrue and self credit repair did not give me any loan at any time II paid paid {$25.00} a month so that way So financial may report on my credit report positive payment history but no way save fashionable form that I receive any monetary game is the monitory game from self financial and the reports to my credit report os wrong illegal and unjust
06/28/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	UT 84403	Web
Self inc closed my self credit card, with no heads up or ask if anything was going on. I used to secure a hold for a rental car. I tried to explain multiple times but they said they couldnt do anything and they were closing the account. {$500.00} of my money was on that credit card. Each time I made payments on my credit builder it out this money in my credit card. I was told by reps my {$500.00} would be sent via electronic payment but still have received nothing. No one can answer my questions and its been a month. The chat agent says they escalated my request and I will get an email but I cant contact them via phone or email.
01/06/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	CA 92104	Web
I had a secured credit card with SELF XXXX XXXX They have closed my account and my balance was paid off, now they are holding my security deposit and refuse to send it back to me, I have verified everything with the documents they requested, i have contacted them over 15 times and keep being told its being reviewed, Well they closed my account and now i have a zero balance and they will not release my money, Ive verified my idenety 4 time, verified my payment method, when i paid my bill... there is nothing else possable i can give to prove my anything, i just want my refund which is around 1000 dollars after my balance was paid.
05/02/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	TX 77072	Web
Hi, I used a Self Credit Builder Loan to build my credit report. The Self.Inc company claimed that the product was a bank-held Certificate of Deposit and I'll get back money after pay-off the loan. I opened a Self Builder Account on XX/XX/XXXX and then paid-off the loan on XX/XX/XXXX. According to Self company terms, They'll send back my loan totaling {$1600.00} to my bank account but since then they blocked my account and never pay me back. I've been trying to contact them for two months and they are just going around but never intend to pay back my money. I ALREADY SENT ALL DOCUMENTS VERIFIABLE BUT THEY STILL KEEP MY MONEY!!!
12/17/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Unable to get your credit report or credit score Other problem getting your report or credit score	TX 76502	Web
The problem is SELF advertises that they will report all payment activity to assistant consumers by raising their credit score by showing on-time payments, etc ... The problem is, I took out the loan and made at least 6-7 payments on time that have never been reported on any of my credit reports. I requested via their website to cancel the service, AND I spoke with a representative in their XXXX office. I was assured that the activity would be reported, and it still has not. I stopped making payments because I wasn't getting what I paid for nor what they advertised. I continue to get harassing emails about my loan being late.
12/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 44120	Web
I had XXXX accounts with Self Lender that I paid off early. The first account I paid off within XXXX months of opening due to serious medical conditions. I wanted to avoid late payments. The second account I paid off in full on month XXXX as I had a funeral to pay for. In which both accounts are reporting a late payment the month after I paid it off ... for the past XXXX years. I have tried to call Self Lender... however without an open account you have to mail in any questions or concerns. I have mailed my request in and submitted disputes with all XXXX credit reporting agencies. I am now requesting assistance from CFPB.
01/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 114XX	Web
I made all my payments on time with XXXX XXXX XXXX also known as Self. They have reporting that i was passed due 30 days twice. I contacted them and they stated theyll change the payments to on time and it never occurred. They said they contacted the XXXX and it never changed. This is a defamation of my character and violation of the law. Please enforce the law this has been going on for 3 months since XX/XX/XXXX to XX/XX/XXXX ; because of this I was un able to get approve for several of my credit card applications. I seek the correction of the account on my credit report and monetary relief for their actions through CFPB.
08/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33134	Web
I never applied for a secured loan in the year XXXX or ever in my life unless you count a mortgage and auto loan as secured loan ; but specifically this was a " personal '' secured loan and I did not apply for it so it was obtained fraudulently. I have disputed with the credit bureaus and the creditor is unlawfully reporting it as verified as accurate when I know for a fact that I did not apply for receive this loan which means by definition this company is lying with the knowledge that what they are reporting is false. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
06/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 184XX	Web
CREDIT REPORT DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania, XXXX ( XXXX ) XXXX Dear XXXX, XXXX, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts ) owed are no longer outstanding for the following items : Party Owed : Self lead bank Amount : {$1600.00} Party Owed : XXXX XXXX card Amount:XXXX I am disputing this claim due to : Payments never were late This is my official request to have the aforementioned item to be deleted off my credit report. Enclosed mav be additional evidence to support my claim. Sincerely, XXXX XXXX
04/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Excessive fees	CA 93307	Web
I was promised an " INSTANT CREDIT SCORE BOOST '' AND NEVER EVER EVER RECIEVED ONE FROM " SELF '' ..I last used the card in XXXX of 2022 and each month i am charged a " purchase interest fee '' of anywhere from {$12.00} to {$17.00} IN ADDITION TO MY MONTHLY PAYMENTS. THIS company has my score at XXXX and is STILL TELLING ME " LETS FIX IT ''! Maybe if they fixed it AS ADVERTISED AND PROMISED I would have it fixed! This company has my score lower than ALL THREE CREDIT AGENCIES and their system rejects my AUTOMATIC payment ( LINKED TO MY BANK! ) when submitted THEN charges me A LATE FEE AND THE SAME PAYMENT THE NEXT DAY!
10/27/2022	No	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	SC 29588	Web	Servicemember
I closed my account XXXX XXXX with Self Financial INC. and was advised that I would receive my deposit within 10-14 days. I have not received my deposit and the statement indicates the account still open with an available balance and a $ XXXX amount listed for the security deposit which is incorrect as I secured this account from transferring funds from the Self XXXX XXXX account in XXXX. I want the account closed and reported as closed to the credit reporting agencies and my security deposit returned to me immediately. I have attached for reference : Previous Statement Current Statement Email Communications from Self
06/28/2022	No	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	MN 566XX	Web
I had to replace my debit card from which i was making payments to my credit card from and now i cant get ahold of anyone at the credit card company to switch pay methods. When i try to do it in the app it says my bank information is incorrect. When i call the customer service number im told the wait time would be XXXX min. I been on hold now for XXXX min and counting. This is with self inc. And ive been trying everyday waiting on hold for up to XXXX min at times only to get impatient and hang up. Now this is going to affect my credit rating. Not my fault what else can i do i cant even find an address on this company.
08/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 31907	Web
I had an account with Self Lender. The account is currently paid and closed and has been since XX/XX/XXXX. Today ( XX/XX/XXXX ), the company reported that the account status is currently 30 days past due. Again, the account is closed with a XXXX balance!!!!! The account is not 30 days late. I previously filed a complaint about this months ago. The company fixed the issue, but as of today, they reported the incorrect status AGAIN. I am including the letter from the company from my last complaint where it states that they were correcting the account status. The company has gone back on their word, which is in writing.
05/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20877	Web
On XX/XX/XXXX, SELF agreed on removing the inaccurate information on the 3 credit report companies such XXXX XXXX and XXXX ( see letter attached ). XXXX and XXXX had removed this account from my credit report already, however, XXXX hasn't done anything to correct this inaccurate information. Please send another universal update to remove this account from my credit report immediately. ACCOUNT : XXXX XXXX XXXX {$0.00} Closed 1 late payment Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment Balance on XX/XX/XXXX Loan Amount {$0.00}
04/26/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or misleading advertising or marketing	FL 33020	Web
This is a follow up complaint about the response the company SELF/LEAD XXXX gave me. they are using misleading and deceptive practices to collect fees and negatively impact my credit because the only time I received notice that there was an issue with automatic payment was two months later. I NEVER received any other notices prior to that. now checking I see other emails that I've never seen before because they were sent from a different email address and those were going directly to promotions or spam. As you can see in the attached picture below they just apear if I look specifically for Self in the search bar.
06/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30341	Web
Thank you for your response to complaint number XXXX. In your response you did not acknowledge the part of the law you are in violation of. SELF IS REPORTING EXPERIENCES between their company and me the consumer as late payments. EXPERIENCES ( late payments ) ARE EXCLUDED FROM THE CONSUMER REPORT. 15 usc 1681a ( 2 ) ( A ) ( I ) states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
01/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 114XX	Web
I made all my payments on time with XXXX XXXX bank also known as Self. They have reporting that i was passed due 30 days twice. I contacted them and they stated theyll change the payments to on time and it never occurred. They said they contacted the XXXX and it never changed. This is a defamation of my character and violation of the law. Please enforce the law this has been going on for 3 months since XXXX to XXXX ; because of this I was un able to get approve for several of my credit card applications. I seek the correction of the account on my credit report and monetary relief for their actions through CFPB.
07/17/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	MI XXXXX	Web	Servicemember
I paid XXXX for the company self financial to have my account I closed the account XX/XX/XXXX and they were suppose to deposit my money in 10 business days and they have yet to do it and then when I called they keep saying they are holding it and refuse to give a date and tried to say it was fraud so I sent them my drivers license, ss card, business bank statement, business license with my name and business name on it a photo of the card used a photo of myself and they are still refusing to release my money. I have asked several times and they will not give a date or anything and I personally closed the account
02/15/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 483XX	Web
Ive filed bankruptcy and discharged back in XX/XX/2020. Self lender along with XXXX major bureaus. XXXX XXXX and XXXX continue to investigate my dispute and come back with verified as accurate. Ive called self who confirms they received notice of bankruptcy and have advised bureaus of information. Im not asking for this inaccurate info be removed as its been inaccurately reporting causing damage to my score and Ive just obtained new auto loan and interest rate was for sure impacted by this negative item. Im requesting this be removed immediately from my report and documents sent to me advising of such removal
12/28/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28613	Web	Servicemember
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX XX/XX/XXXXand opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX XX/XX/XXXXas well.
05/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 751XX	Web
This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. You keep on reporting me late on this following account under SBNASELFLNDR 30 days late in XX/XX/2021 and 60 days in XX/XX/2021. You have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, you must remove this negative information and update it to paid or paying as agreed! This is clearly a discrepancy that you are still reporting up until now! Make sure that you will update this as never late!!
11/17/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AR XXXXX	Web
Once more, I, XXXX XXXX, am submitting this CFPB complaint to contest the data you allegedly have on my credit file. I fell victim to identity theft once more, and I never authorized the charges and transactions with your company. I'm asking you to delete the information in my credit file that you are currently reporting in accordance with the Fair Credit Reporting Act. I don't think I ever signed a contract, and your blatant disregard for federal law is a breach of my legal rights as a consumer. Please get rid of the account that is included on my credit report, as I beg you. XXXX XXXX Balance : {$0.00}
10/29/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 306XX	Web
SELF FINANCIAL INC / LEAd-Account 's Date Opened : XX/XX/2021 -- XX/XX/2021 ( XXXX and XXXX ) XXXX Account High Balance/Original Balance : {$520.00} -- {$520.00} I have sent in my accurate up to date info and FTC report and police report my personal information was used to obtain this fraudulent account, I have been fighting to get this removed from my report because it is. fraudulent and there is no verifying evidence to legal attach this to my report. I have also sent in multiple disputes to have this item removed and I feel like my request want been heard. please do a full investigation on the account
07/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA XXXXX	Web
The company called XXXX XXXX XXXX, a XXXX XXXX entity, marketed a credit builder installment loan to improve my credit. I paid all payments on time and it shows up on my credit as not paid in full with a balance. They also encouraged consumers to get a credit card in connection to this account. When I completed the 12 month program, they closed my accounts. This hurt my credit in two ways : ( 1 ) Closed account status and ( 2 ) incomplete installment payments. I intend on filing a civil complaint against them if not corrected immediately. SELF engages in deceptive and unfair credit reporting practices.
02/09/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	MD 20603	Web	Servicemember
XXXX should not have charged my account again on XX/XX/2023 for {$150.00}. The charge was not my charge and needs to be reversed again. The attached will show when the fraudulent charge was made on XX/XX/2023, as XXXX called me to inform me that the card was used fraudulently and they disputed the charge, cancelled my old card and sent me a new card. Please address this issue asap. This is a travesty of justice. I dont use XXXX and they werent authorized to charge my card through XXXX XXXX XXXX, as I disputed with them as well, addressed the issue, but XXXX still charged me. Please address soonest.
09/26/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CA 90019	Web
I disputed charges made in XXXX XXXX that were fraudulent. I also recently had found fraudulent accounts, addresses and phone numbers on my credit files. I'm in the process of sorting those issues out right now. I am filing a police report regarding this situation and contacting this company as a last resort. I went directly to the creditors and credit bureaus and have only had partial success resolving my disputes. I recently just received a denial letter from Self, saying that the transactions were verified, and I am responsible for them. Totaling an amount of {$460.00}. Dated XXXX XXXX, 2022.
12/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78613	Web
This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( A ). the information was blocked in error or a block was requested
06/17/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	AL 35235	Web
Installment loan of {$520.00} was paid off and the company deposited the amount {$120.00} and {$400.00} was on the credit card. The company closed the account completely and have not reimbursed me the {$400.00}. I have been calling daily and have not been able to get in contact with the company. Holds times are hours at a time. I want to be reimbursed for the {$400.00}. Now, its tell me to pay the minimum of {$25.00} and available will be {$370.00} on the website. I would like this account to be closed and refunded. Requesting that the company do not report anything negative to my credit report.
03/30/2023	Yes	Money transfer, virtual currency, or money service Refund anticipation check	Fraud or scam	WI 53590	Web
I opened an credit builder account XX/XX/XXXX. I paid off and closed my account as of XX/XX/XXXX and was told Id receive my payout XX/XX/XXXX. I spoke with a plethora of representatives to supervisor and I have yet to receive any response to when my funds will be released. Instead I was told my money will be frozen until I can provide personal information such as my social security card and a picture of myself to unfreeze my monies that I paid to them back. This is inappropriate to be asking seeing that you sign up I provide valid information to send them money to hold until I requested payout.
05/20/2022	Yes	Checking or savings account Savings account	Closing an account Funds not received from closed account	NC 28277	Web
Opened an account with self lender in XX/XX/2021 because it was supposed to be a savings that helped to boost your credit and at the end you get all your savings back. I decided to close my account in XXXX when I realized this was a scam and in fact did nothing for my credit score. I understand there was a {$9.00} admin fee but attached you can see I paid {$160.00}. The {$25.00} payments didnt come out but thats not a late fee. Im having to wait over 2 weeks and my payout is only {$92.00}. I want the other {$75.00} I contributed to this account. This is a scam and theyre stealing peoples money
12/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30341	Web
Your company never had my lawful permission to report any experiences or transactions to my consumer report. You did not provide me with XXXX notices required by the FCRA and XXXX XXXX XXXX XXXX. By LAW I was supposed to receive XXXX notice that you may ( not required ) report to my consumer report and another notice giving me the opportunity to sign my signature if I was ok with you reporting to my consumer report. I never received any of these notices from you therefore you must cease and desist reporting to my consumer report until I receive those notices and opt to out notices to sign.
03/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43229	Web
On XXXX,2021, XXXX ATLANTIC CAPITAL B added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. According to the FCRA, XXXX ATLANTIC CAPITAL has violated my rights as a consumer and I'm requesting legal action to remove this account immediately!
03/17/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	TX 761XX	Web	Servicemember
Self credit card takes XXXX days to respond to emails and close account. As part of this work, the Civil Rights Division is tasked with enforcing the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 3901-4043. ... The SCRA is a federal law that provides protections for military members as they enter active duty. The funds applied to the card are though my personal trust fund. The company had not sent out any mail regarding late payments to the address on file and felt obligated to report to the credit bureaus negativity effecting my credit score and security clearance as a XXXX XXXX
10/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	OK 73072	Web	Older American, Servicemember
I filed XXXX XXXX bankruptcy in XX/XX/XXXX, self, inc was not part of that. In XX/XX/XXXX due to a divorce I converted it to a XXXX XXXX bankruptcy that was discharged XX/XX/XXXX of which self, inc was included. Self did close my account, but later opened it again, I sent self, inc, XXXX and XXXX paperwork of my XXXX XXXX discharge and they have refused to remove the 150 days late self, inc had reported me.i recently had to pay an extra XXXX dollar deposit for an apartment.This item needs to be removed from my credit files and monetary damages be levied against self, and XXXX and XXXX.
10/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or misleading advertising or marketing	NC 28212	Web
I was accepted to have my payment extended and closed Due to family emergencies. My father passed away and my mother needed lots of financial helped. Someone at the time said they understood and would work everything out. Long story short the first late report was a scam because I asked and was approved for an extension! I called and tried explaining it was an error on their part and they act like they didn't know. So I told them I wanted my account cancelled and they said ok. Now looking at my account its under XXXX and I have 3 false late payments I NEED THEM REMOVED ILL BE HOMELESS
07/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 91739	Web
I have a credit card with Self financial.They are reporting inaccurate lates on my report.I agree that XXXX and XXXX was both 30 days late. XXXX was paid on time but showing 60 days late. XXXX is not due yet but showing 60 days late as wellXXXX and XXXX is definitely inaccurate reporting. Ive disputed this many times and even talked to a supervisor in which she agrees on the inaccurate reporting upon receiving my payment statements and has escalated this matter.All of my disputes as come back remaining the same.They are still reporting inaccurately which is in violation of my rights.
10/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 700XX	Web
I was impacted by a recent natural disaster. Per the XXXX XXXX which came into law during the pandemic, a business is not allowed to report consumers to credit agencies as LATE they are suppose to keep account listed as current and they are also not suppose to charge any late fees. I have reviewed all my credit reports and I have made the business aware that they have reported my account delinquent since I was late because I could not work due the coronavirus. They are not trying to fix the problem and remove all late and late fees from my credit reports and account. # XXXX # XXXX
06/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19026	Web
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. XXXX
11/06/2023	Yes	Credit card General-purpose credit card or charge card	Closing your account Company closed your account	MD 212XX	Web	Servicemember
I remitted payment to this company a year ago by mail. I sent certified mail to the address listed. that mailing correspondence was returned but not to me or the return address on the envelope. those documents bear my restricted signature and legal tender for the credit of this account. if they do not accept for deposit my legal tender or return it back then they are in violation. they are reporting on my credit profile information that I have disputed with them overhear ago, to which they have not marked this account under dispute during that time period which still continues.
08/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 37217	Web
I have called to speak to someone they give me numbers to folks that cant help which is a runaround and the website is giving a error message so you cant file a dispute online. However the issue is my self finance credit limit is showing {$200.00} which was reported to transunion which is inaccurate and my actual limit is only {$150.00} so my credit dropping by XXXX point for something that was not even accurate. As you can see my balance is XXXX. My statement for self dont even close until the XXXX. Today is the XXXX so how it dropped and my self card was paid for on the XXXX.
11/04/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	GA 30281	Web
Ive been paying on time with Self Lender since XXXX XXXX with auto draft and Ive just notice today via looking on XXXX that the company hasnt been reporting payments to XXXX, and per the company they report to XXXX, XXXX, and XXXX. My XXXX 2022 payment hand t report either. I contacted Self via chat today and she per CSR they have been notified about this and issue is being investigated by escalation team, but nobody has never reached to inform me. Had Id not check via XXXX I wouldnt havent know. The purpose of the sign was to help improvement Credit for all 3 credit bureaus.
04/08/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	CA 92660	Web
Two fraudulent ACH withdrawals from my business checking account by Self Lender Inc. as follows : XX/XX/2022 Self Lender Inc. took {$9.00} from my XXXX General account XX/XX/2022 Self Lender Inc. took {$1600.00} from the same account. Calls to Self Lender Inc. are not returned Emails are replied by a XXXX saying they will look into it but no further response is forthcoming. I contacted the Fraud Dept. at XXXX and reported the transactions and they are researching the company. I've never heard of this company and did NOT authorize this company to ACH funds from my account.
05/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 44125	Web
In XXXX of XXXX, I closed my XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However,, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX still reported me as 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX. After repeated phone calls, I was sent a check in XX/XX/XXXX in the amount of {$63.00}. Attached you will see a snapshot of how it looks on my credit report. My payments to XXXX XXXX and the deposit to my bank. XXXX is negatively affecting my credit by reporting erroneous information of 30 and 60 days late. XXXX XXXX XXXX XXXX XXXX never accurately reported my account as closed.
03/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	KY 40511	Web
DEAR Credit Bureaus During the Covid-19 I struggle to catch up my payments on time I was sent home from my job because of Covid-19 I was missing payment to my self secured loan on XX/XX/XXXX and XX/XX/XXXX and Borrow money from someone to pay SELF lender secured loans and SELF Secured Credit card they refused to remove the late payments off my credit report since then I never late to making payments they supposed to follow the COVD ACT and remove those late payments from my credit reports as soon as possible .Account # XXXX and Account # XXXX SINCERELY. XXXX XXXX XXXX.
01/24/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	PA 19053	Web
I wanted to buy and item that charged XXXX XXXX XXXX XXXX. Trying to close the app every screen had additional fees totaling {$61.00}. that I wasnt interested in. There was no phone number listed to cancel. Immediately I called SELF to cancel the transaction, within 1 minute. They said they would block/cancel the card. Two weeks later the charges are still on my account. When I call the credit card co I am transferred and left on hold up to 30 minutes. Emails are met with requirements for me to fulfill when all they had to do was cancel the transaction 1 minute later.
04/12/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	FL 33168	Web
There are charge offs on my credit reports. I need all of those charge off removed immediately. It shows that the accounts are paid off but those accounts never belonged to me anyways. there's an XXXX showing as well that needs to be removed i was NEVER ASSOCIATED WITH ANY OF THESE ACCOUNTS. I reached out to all parties year after year and still no removal. please remove all charge off accounts on all 3 credit bureaus. Code 15 USC 1681b Permissible Purpose states that anything reporting incorrect and fraudulently on my credit report MUST BE REMOVED ASAP. It is the law.
08/10/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	GA 30344	Web	Older American
Sf/ Lead has enter my acct as negative info due to me filing a complaint with you about their credit builder practIce. I had thier credit builder to try boost credjt scroe and when i paid into this I was asked about their secure credit card and when I cancel the credit builder I still had THE scure card THAT was link to the closed acct., they refuse to list this acct as PAID. They've listed this acct shown below as SF LEAD ACCOUNT CLOSED AT CONSUMER REQUEST CLOSED. OR PAID BY COLLATERAL / VARIABLE ADJUSTABLE RATE WOW THEY ARE REALLY MAD AT ME AND THIS IS SO DIRTY ....
05/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28212	Web	Servicemember
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
05/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29210	Web	Servicemember
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
11/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 328XX	Web
They reported on ALL Bureaus an address in XXXX, California, where I never lived on my report. The sole purpose of the address was simply supposed to be a temporary address so they mailed my XXXX card that they have never sent to me since XXXX despite my many requests and countless calls to solve the issue. They also reported that i closed the account but i didnt. 2 Incorrect information that need to be removed and corrected immediately. They should not report incorrect information in people 's credit. Super incompetent staff and bad company to enter business with.
10/22/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Information is missing that should be on the report	CT 06457	Web
In XXXX of 2022 I joined Self so I could help build my credit since I didnt have any, while opening the account it told me I had to speak to customer service because something was wrong they stated I didnt have any identity. I was told by an employee If I made any payments it wouldnt help my credit being that I didnt have any, so I didnt make the payment and the account was closed and now its on my credit as a late payment, Im trying to get this off my credit report because this is ridiculous if thats what the employee told me to do then this needs to be rectified.
11/17/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MA 02301	Web
How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment for XXXX/XXXX for 30 days late. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
10/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	KY 42001	Web
this is not in error i have requested this account be deleted now under my federal protection laws that is the only solution no information is needed from me STOP VIOLATEING MY RIGHTS OR I MUST SEEK JUDGEMENT? MONATARY RELIFE per FTC report i have been victim of identity theft and request this account be deleted from my credit report per 15 usc 1681c-2 block of infromation resulting from identity theft, futher note 15 usc 6802 obligations with respect to disclosures of personal information i request this acct be deleted from my consumer file and credit reports
02/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48601	Web
TO whom it may concern, Self Financial Inc is breaking the LAW reporting inaccurate information on my consumer report without my consent. Self Financial Inc, never clearly and conspicuously explained to me certain disclosures in the agreement which I could understand. Now they are reporting false information. Since this was a consumer credit transaction governed by truth and lending act late payments are not supposed to be reported pursuant 15usc1666b. Simply update this billing error and correct these late payments or remove this inaccurate information asap.
11/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Unexpected or other fees	AR 722XX	Web	Servicemember
I opened a SELF credit builder account XX/XX/2021. My monthly payments have added up to {$250.00}. I closed my account XX/XX/2021 due to SELF not assisting me in building my credit. In fact, it has nothing. SELF is not refunding me my money. Also, they have stated the additional fees that were not made clear that they are taking out. When I closed the account, I received an email stating the account would close at XXXX XXXX. on XX/XX/2021 and that my money would be refunded to my bank. SELF is now taking out additional fees and procrastinating with my refund.
04/26/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	TX 77072	Web
Hi, I used a Self Credit Builder Loan to build my credit report. The Self.Inc company claimed that the product was a bank-held Certificate of Deposit and I'll get back money after pay-off the loan. I opened a Self Builder Account on XX/XX/XXXX and then paid-off the loan on XX/XX/XXXX. According to Self company terms, They'll send back my loan totaling {$1600.00} to my bank account but since then they blocked my account and never pay me back. I've been trying to contact them for two months and they are just going around but never intend to pay back my money.
09/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CO 80209	Web
Self Financial violated my rights in accordance to the Fair Credit Reporting Act ( Account # XXXX ). - 15 U.S.C. 1681 section 602 A States that I have a right to privacy - 15 U.S.C 1681 Section 604 A. Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions. Information on my report varies between the 3 bureaus. I spoke to their chat support and they agreed to remove the 30 day late payment from my credit report for all 3 bureaus. It's still on my report! I will be attaching the supporting documentation.
12/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77365	Web
I was under the assumption that I was on auto-pay. It seems like a computer glitch on your companys end may have caused me to somehow get out of auto-pay and its does not seem to be caused by my own doing. I would never try to take myself off auto pay when in fact I only got the credit card to help me establish credit and not hurt it by {$15.00}. Please review my file and take into consideration that this is not my doing and I was on auto pay and never took myself out of it. Please remove the XX/XX/2020 late payment due to the computer glitch in the system.
05/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NC 28214	Web
XXXX continues to report display closed accounts To have a negative impact on my credit profile Ive asked that these accounts be deleted if closed and paid off to avoid loss of points on my credit score The account is XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Status Paid, Closed. Status updated XX/XX/XXXX Theres no reason to keep this inquiry on my credit profile when Ive asked to remove it They said it has been validated which I didnt disagree to the validity but this is no debt owed So there is no reason to continue to display it
12/28/2022	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32606	Web	Servicemember
To whom it may concern, I am a consumer. I made an uninformed decision when I allegedly entered into this consumer credit transaction. There was no evidence of indebtedness, the only evidence of indebtedness was the agreement but that agreement is null and void. It is null and void because I made a uniformed decision meaning that I did not understand its meaning and it was not clear and conspicuous. Reporting late payments on my credit report every month is defaming my character. It is preventing me from opening new accounts as well as buying a house.
05/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 185XX	Web
I closed this account and paid in full. i asked the representative more then once if i were done completely with this account. i even received a refund of money that was left over. 60 days after i noticed on my credit report i had a late fee ( 30 days ) from Self-prepaid credit card. then while and process of disputing the late fee, waiting on a call from Self Financial as i was told from a rep, i received a 60 day late payment. the company keeps stating i was late and its verified but it was do to Self customer relations that this incident occurred.
10/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30318	Web
Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
09/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 79065	Web	Servicemember
In Accordance with the FAIR credit REPORTING act everything has to be 100 % accurate on my credit report. This account " SELF/XXXX XXXX XXXX was closed threw consent between the creditor and the consumer. This account is no longer associated with " XXXX XXXX XXXX '' credit profile. This is grounds for removal they also violated my rights under 15 U. S. C 1681 section 602 A. States I have the right to PRIVACY. 15 U. S. C 1681 Section 604 A Section 2 : it also States a consumer REPORTING AGENCY CAN NOT FURNISH a account without my written consent.
07/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	CA 92126	Web	Servicemember
Self lender wasn't able to remove the late payment to stop reporting to the credit bureaus. When I never got notify about a late payment. Not through phone number, email, or mail! I been with self for many years and I never missed a payment. This is affecting me to get a credit card or to even open a bank account! This is hurting me, for something I was never aware of! If you guys need any additional documents, I'll provide it .thank you for your time for reading this. As you see the screenshot below. Yesterday was the 1st time I got a notification.
09/05/2022	No	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33714	Web
I have a loan with SELF FINANCIAL INC / LEA I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with these companies. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information : SELF FINANCIAL INC / LEA XXXX Opened XXXX XXXX, 2020 Balance {$140.00}
11/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77450	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have a loan with SELF / XXXX XXXX Balance XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the XXXX and XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.
01/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30213	Web
After checking my credit report, I noticed that there acre accounts showing negatively on my report that are paid and should be in a positive standing. I have disputed this since XX/XX/XXXX and the company has not removed it as well as another account, that I have been disputing since XX/XX/XXXX, with the same company that has been paid but reporting closed and negatively affecting my credit report. I have asked for the late payments to be removed because the account was brought back current and remained that way for the duration on the account.
05/23/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	TX 77043	Web
I received an email where they admit they overcharged me {$2.00}. However, in order for them to send me this refund they are requiring me to link my bank account to their system, presumably so they can get access to my banking data. They say it is to verify the address to send the check to. Nonsense. There's no reason I should be required to link my bank account to their system to get they money they overcharged me back. Unless of course they never did overcharge me, and are using this as a way to access my bank data. The whole thing is fishy.
04/10/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	LA 70058	Web
I contacted this company several times because their system would not allow me to pay my credit card bill. On XX/XX/XXXX the phone assistant stated that their system was having issues. On XX/XX/XXXX I called and was told the system was still having issues and during that conversation I chose to just close the account. I was told that I would receive any amounts I had left on the secured credit via check in 7 business days. This company has reported to the credit reporting agencies that I had an outstanding amount when they owe me a refund.
06/17/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MA 02121	Web
Hi Self ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
04/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33351	Web
On my Self Visa reporting credit card reports twice on separate dates but both should reflect the Statement date amount but does not. The XXXX at 0-10 % utilization but XXXX XXXX is showing the amount AFTER I pay my statement date as % XXXX. Its a small credit bureau user hack ( hidden factor ) that has been weighing my score down for years!! It may be intentional or purposeful as it should reflect the amount on my statement date it reflects the amount after I use the credit after the statements date. Self Visa app reports may be behind it.
04/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33071	Web
The credit bureaus and collections agency have violated my consumer rights, this was paid off XX/XX/XXXX, and is still reporting on my consumer report as unfavorable. It's currently listed as written off but the consumer paid for it. I have requested it is taken off and as of XX/XX/XXXX it is not removed. According to 15 USC 1681i ( 5 ), the dates and outcome are incorrect, and id like this to be fixed. This violation is hindering my ability to apply for a home and will result in a huge negative impact on my family and me. thank you.
01/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33127	Web
This account report XX/XX/2021. Report number # XXXX. Account number XXXX company XXXX XXXX. Address XXXX XXXX XXXX XXXX XXXX XXXX. This account was open up fraudulent without my permission I was in the hospital and when I got out because I was sick with COVID-19 and found this out. I thought it was my account and paid it in full and I found out later I never had this account I really paid it off because it was reporting on my credit. So I paid it now its reporting as late and thats not my account so I will like to have this issue resolved
12/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30909	Web	Servicemember
Self Financial Bank XXXX XXXX This company to include XXXX has reported that I have a repossession on my credit report. I have been trying to get a car for months!! and # 1. Self Financial is a credit card builder company. they do not have auto loans. # XXXX I've asked multiple times for this to be resolved and NO ONE WANTS TO RESPOND TO ME # XXXX this has determented my life!!! I can not get a XXXX i can not get anything done!!!! THIS HAS DEFORMED MY CHARACTER! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TAKE THIS OFF NOW
03/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WI 53216	Web
To Whom This May Concern, After reviewing my credit report, I noticed that the balance being reported for my self secure credit card through lead bank is reporting inaccurately. You have a balance of ( {$99.00} ) of being owed and according to my records that amount is inaccurate. This account should be listed as ( paid in full ). These accounts appear to be furnished by the same creditor so why is all the provided data different. I have attached a copy of ( my credit card statement that proves your balance is in correct ). Thank you,
07/27/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	TX 751XX	Web
I lost my card in XXXX and there was a transaction made, I maid a fraud claim and Self Lend told me it would take about 7-15 days to get my money back. They actually took 3 months, then they took it back out they decided to close my account and keep that money. They dont want to give me the money because they said I owe that money, I dont owe anything because that is a secured credit account I deposited {$2000.00} when I opened that account they never lend me anything. They kept taking and taking money from me from fees and statements!
04/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23455	Web
I am a single mother, and I have trying to purchase a home for my children. I have directly spoke with these creditors with certified letters in regards to these in accuracies on my reports. According to 15 USC 1681 ( a ) the following are directly in violation of my rights SELF FINANCIAL - XXXX ( Both accounts ) XXXX XXXX - XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( m 281 SW 715,719, I presumit that no proof of the alleges debt, nor therefore any such debt, in fact therefo exists.
11/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Was not notified of investigation status or results	PA 15132	Web
I have contacted the credit bureaus and Self regarding the incorrect information on my credit report. Even after submitting multiple disputes to both organizations, I have not received any communication, and it seems that a comprehensive investigation has not taken place. If inaccuracies continue to appear on my credit report, it is impossible to guarantee that the reported information meets the FCRA 's stringent accuracy standards. The failure to act constitutes a clear violation of law intended to safeguard consumers such as myself.
06/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL XXXXX	Web
This company SELF XXXX continues to show an open balance when I have tried consistently to resolve this, At first this company wa sall good my score went up. I went through the whole program and finished. There was a zero balance and they even sent a check back to me to indicate I am finished with the program. Then I heard nothin else and now they keep showing a balance and keep reporting incorrect information on my credit report. ask them to mail you the letter that my account zeroed out and I succesfully finished their program.
02/07/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TN 37066	Web
Requesting my total refund amounts in the amount of {$500.00} prior to XX/XX/2021 and {$36.00} prior XX/XX/2021 from Self because they closed my credit builder account at their own discretion without notifying me and I requested that my payout be sent back to my bank account instead of a check being mailed via to my address but as of tomorrow I will be most definitely disputing both charges through my bank. For your records for mines as well the credit builder account number is XXXX, loan number is XXXX and then the CD number is XXXX
09/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 79938	Web
The CARES Act modifies the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( the FCRA ) by precluding furnishers of credit information ( which specifically includes all major banks ) from reporting any deferred payments, forbearances, or other missed payments during the covered period. SELF FINANCIAL/LEAD XXXX XXXX As you can see I have been violated and due to the damages that have been done to my report, you are civilly liable to me in the amount of { {$8000.00} }. I will attach screenshot and bureau supposed investigation
03/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23831	Web
Late Payments on credit report In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 - it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b - a creditor may NOT treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Due to these violations I have a right to sue per violation.
09/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	PA 19050	Web
I am XXXX XXXX XXXX and I am forwarding this complaint myself. There is no third party involved in this request. This SELF / LEAD with Account number XXXX appeared to be included in Bankruptcy which is erroneous because this account is {$0.00} in balance and it only reports on my XXXX. I have no idea about the said account. Send any and all documentation that validates your investigation and comments and that the 3 Credit Bureau is legally allowed to report this on my credit report. If unable to, remove the account immediately.
12/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33142	Web
in accordance with fair credit reporting act SELF Account number : XXXX has violated my rights. 15 USC 1681Section 602 states I have the right to privacy. 15 USC 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 166BB : CREDITOR MAY NOT TREAT AN PAYMENT ON. A CREDIT CARD ACOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE. 15 US CODE 168 1A : STATES INFORMATION SOLEY AS TRANSACTIONS BETWEEN CONSUMER AND PERSON ONLY.
05/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29229	Web
In accordance with the fair credit act Reporting act XXXX : Self Financial, Inc XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX Account ( s ) # XXXX and XXXX XXXX XXXX # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end Consumer credit plan as late for purpose.
07/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 194XX	Web
Self/ Lead posted a late payment on my report after calling to explain to them that it was a mistake on their behalf. When signing up for the account I put the account on auto pay to be automatically deducted from my account in the amount of {$25.00}, at the moment the bill was due and on a consistent basis I hold hundreds to thousands of dollars in my account. They failed to post my payment as outlined within the Fair Credit Billing Act and therefor has violated my rights. Please remove this late payment for it is incorrect.
06/02/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	MD 20814	Web
I paid my credit card payment in full in cash to Self on XX/XX/2022. The full amount was debited from my XXXX XXXX bank account. Self refuses to post this payment, knowing that the funds have been taken from my account with me paying an extra {$3.00}. My account is in good standing and not late. I should have have to pay to have my payment posted to my account. This pay-to-post is new for Self. I had routinely posted my account during the last year and had it posted to my account within 24 hours until the last two months.
09/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60639	Web
SELF FINANCIAL INC/ LEA ACCOUNT NUMBER XXXX DATE XXXX XXXX XXXX In accordance with the fair credit reporting act XXXX SELF FINANCIAL INC account XXXX XXXX, has violated my rights. 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit card plan as a late for any purpose.
10/14/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	DE 199XX	Web
I have NEVER applied for a self account. The company and asked them for a letter to remove this account and they stated they could not. It was never paid because I had no knowledge of this account. The account was requested to be removed was not removed. I need the Self Lender account removed because it is not my account and I have never applied for a self lender account. It is reflected late payments and is hurting my credit report m. I have other accounts that reflect perfectly fine. This needs to be removed ASAP. Thanks
10/07/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MN 55421	Web
Tengo una queja contra la compaa ATLANTIC CAPITAL BANK SELFLENDER Acabo de sacar mi informe de crdito y descubr que se inform un pago atrasado en mi cuenta. Solicito en virtud de CARE ACT una adaptacin porque me afect COVID-19, actualice la informacin tarda para el 09/2020 y el 10/2020 Le agradecera mucho si pudiera cumplir con esta solicitud de eliminar el retraso de mi informe crediticio. Me ayudara enormemente a obtener otras lneas de crdito para poder mejorar an ms mi puntaje crediticio. eh enviado varias solicitudes
05/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35211	Web
I am a victim of identity theft. My father used my identity to open an account with this bank in others. I discovered this account recently and have been trying to contact them to have this removed from my account. I have hired a lawyer and pressed charges. I am including my police report below and my FTC affidavit. Please remove these two accounts ( XXXX & XXXX ) as soon as possible because it is affecting my credit and it isn't mine. It is almost impossible to get ahold of someone at XXXX XXXX Proof of id is attached.
07/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI 48045	Web
In accordance with he Fair Credit Reporting Act, XX/XX/2022, SELF FINANCIAL INC / LEA has violated my rights. 15 U.S.C 1681 section 602, A. States I have rights to privacy. 15 U.S.C 1681 Section 604 Section 2 : Its also states a consumer reporting agency can not furnish a account without my WRITTEN instructions 15 U.S.C 1666B : A creator may not treat a payment on a credit account under a open end consumer credit plan as LATE FOR ANY REASON. Company was contacted with no fixed errors made, and declining request of fix.
06/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33436	Web	Servicemember
I called SELF FINANCIAL INC / LEA on XX/XX/2023 to correct inaccurate reporting of late payment. I spoke with XXXX XXXX XXXX who stated that due to the account closure and paid off 3 months early that the reporting of a 90-120 days late of payment was correct information. I informed XXXX XXXX that I never paid a late payment and that her company was reporting late payments on an account with a payment status of current and paying as agreed. I have requested the information to be corrected and updated 3 different times.
10/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 94533	Web
I was an account holder with Self Financial and had a secured credit card with a {$600.00} limit. I made on time payments each month. I decided to pay the card off with its remaining amount of {$500.00} on XX/XX/2022 and I closed the account on that same day. My credit report is still showing that the account is open and active. I disputed this using XXXX XXXX but was told that the company disagreed with my dispute. I have then re-disputed this using the XXXX website and have provided them supporting documents as well.
01/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 339XX	Web
In accordance with the FCRA Self/XXXX XXXX account XXXX XXXX, has violated the following : 15 USC 1681 Section 604 ( a ) Section ( 2 ) states a consumer reporting agency can not furnish an account without my written consent. XXXX has not been given written consent to report to any consumer reporting agency. 15 USC 1666b ( a ) states a creditor may not treat a payment on a credit card account under an open-end consumer plan as late for any reason. I have not received any statements or notices from Self/XXXX XXXX .
11/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MA 027XX	Web
Self Lender reported my credit card payment as XXXX days late in XX/XX/2021. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section 604a Section 2, it all states that a reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B it states a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
06/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 185XX	Web
this account ( # XXXX ) was opened XX/XX/XXXX and closed XX/XX/XXXX. i received a notice of late payment XX/XX/XXXX XXXX, while disputing another account with SELF LENDER. I have no idea why or how this happens. i was not given no notice of any kind about this account being behind back in XXXX i disputed this but for some reason it was found verified. how can a company just do that to your account. now my credit is down and i have a late payment on my credit report from a company that was suppose to help my credit.
10/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MA 02021	Web
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. On XXXX, XXXX SBNASELFLNDR Reported to XXXX that I had a late payment.
06/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 76227	Web
Hi, yesterday on XX/XX/2022, I received a credit alert from XXXX. I immediately called XXXX and XXXX for fear of fraudulent activity. I emailed XXXX also, but the response was incomplete. I locked all three credit reports. Since XXXX is a paid service, I paid {$21.00} to have access to the locking feature. XXXX told me that this has happen to many people, but how did they get access to my account information when I was never a customerof theirs? It seems as if Self purchased XXXX. They sent an update yesterday.
05/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Excessive fees	MD 21502	Web
SELF Financial issued me a secured credit card after I successfully completed phase I which was making payments on time for 12 months and then SELF used the money I submitted as payments for the security of the credit card. After two months of using the card on occasion and then paying it off each month, SELF doesn't apply that payment towards the credit card balance until weeks, and at times, months later and it's not calculating correctly. Someone needs to please help me by looking into their fraudulent ways.
12/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28205	Web
There are two fraudulent accounts from this company on my credit file, which needs to be blocked immediately, according to FCRA and USC 1028A of the constitution. I have contacted the company numerous of times, but the company did not respond via mail nor electronic medium. The fraudulent account which is listed on my report includes : Account Name : XXXX. XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE OPENED : XX/XX/XXXX, 2ND ACCOUNT IS : ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX, DATE OPENED : XX/XX/XXXX.
04/30/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TN 38115	Web
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information such as date opened, monthly payment and payment history without any proof provided, within the time allowed by law, is not authorized. Please update the late payments from this account. SELF / LEAD XXXX Balance : {$45.00} [ XX/XX/XXXX ] [ XXXX ] XX/XX/XXXX [ XXXX ] XX/XX/XXXX [ XXXX ]
02/27/2021	Yes	Money transfer, virtual currency, or money service Debt settlement	Confusing or missing disclosures	GA 30168	Web
I paid off my Self loan and I was told that I would receive payment on the XXXX of XXXX. I was asked to verify my identity with the debit card I payed with and a drivers license. I found this strange because why wasn't this done before they started my account and accepted my payment? Self Lender never said this process would result in them freezing my funds. The lend my to believe this process was just about keeping my account. After trying to comply with there demands now there website won't accept my docs.
05/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NH 03060	Web
Company reported inaccurate information multiple times I disputed the information multiple times on all 3 credit bureaus fixing it temporarily until they reported more inaccurate information the following month. My credit score dropped because of this. So I closed the account a month ago it showed as closed for the past month until today when it showed up as open again. I would like the company to stop reporting on my account because they have been closed I will take any action necessary to get them to stop
10/13/2023	Yes	Credit card General-purpose credit card or charge card	Improper use of your report Reporting company used your report improperly	MD 21206	Web
After over a year of ontime payments to Self financial I realized they were not at all helping my credit so I decided to cancel. After canceling this account I was charged a fee a month later never notified and now they have reported multiple late payments to the credit bureau completely destroying my credit. I tried to rissolve this I was offer to restart my account but otherwise nothing. I reached out to Self for help not on the fee but on the late payments destroying my credit. They did not help at all.
12/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48331	Web
On XXXX I sent Self Financial Inc a notice to opt of out any and ALL authorization i may have previously given allowing them to share any of my information with any 3rd party companies. They are still reporting to the credit reporting agencies. Therefore, not honoring my request! Per 15 USC 6801- 15 USC 6805, 16 CFR 313.7, privacy act of 1974 i have rights as a consumer that i chose to exercise. Also, reporting certificate of indebtedness on my report. which is considered income which can not be reported!
12/05/2023	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Improper use of your report Reporting company used your report improperly	MO 65202	Web
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XX/XX/XXXX, {$25.00} was taken but it still gave me a late inquiry
08/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33025	Web
not getting investigation in 30 days, this is my third attempt address this issues with my credit report. I have proof of all 3 prior disputes. disputes include 2 closed account still reporting XXXX XXXX is a authorized user I am on account. ( FCRA ) 15 USC 1681i ( 5 ) illegal to report late payments and permissible purpose ( FCRA ) 15 U.S Code 1666b despite closed accounts are still reporting all 3 main bureaus are reporting different information reporting dates, late activity dates, closed dats.
06/05/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	KS 678XX	Web
Self Inc. notified me that they would be closing my Credit Card account by XXXX CT on XX/XX/2013. The email instructed me to contact their support team before XXXX if I did not schedule the closure. However, they sent the email at XXXX. They subsequently sent me a Notice of Adverse action that said the reason for termination was that they were " unable to verify customer information. '' I then went to their website and they said that they will not re-open an account but that I may re-apply for a new one.
09/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33169	Web
On XX/XX/2023 Self Financial responded to my Consumer Financial Protection Bureau complaint XXXX stating that the late payments were accurate. Self Financial failed to assure that I XXXX XXXX the consumer received all statements before the due date. How can Self Financial complete an investigation without contacting the consumer for a declaration to verify accuracy? I never received a call or email about this investigation of this billing error. Self Financial failed to provide a Method of verification.
07/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	AL 365XX	Web
XXXX on XX/XX/2023 verified a credit report as accurate then changed as not specified whenever I reported self lender sunrise bank as not accurate because they put I owed them XXXX $ out in my name and it has now damaged my credit by XXXX points. I hadnt had the account for not longer than 3 months and they tried to say I had an account with them for enough to miss XXXX $ worth of missed XXXX $ monthly payments. Every time I tried to request investigation measures XXXX took the website would block me.
04/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 452XX	Web
In accordance with the fair credit reporting act these creditors XXXX XXXX SELF LENDER, SELF FINANCIAL BANK INC/ XXXX XXXX XXXX XXXX has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy. 15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
07/21/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	IL 620XX	Web
Self Inc wrongfully charged my card for XXXX randomly. My bill is only {$25.00} a month. They took XXXX XXXX dollars at my account without me knowing, and then lied like they never received it! They closed my account and my payout was supposed to {$520.00}. They then CHANGED it to {$74.00}!!! Talking about they just put that after it closes but REFUSE to give me my {$520.00} that they stole! This is so disheartening in times like these. I thought they were good for building credit, but no only fraud.
07/08/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	MI 48213	Web
Your company is reporting an account on my credit report inaccurately. I have never opened or given permission to anyone to do so. How did you obtain my personal information? It Is Violating, Intrusive and Illegal. These accounts were opened fraudulently, I'm very upset that you have included this inaccurate information on my credit report. I have wrongfully been denied credit recently due to the intentional inaccurate information that has caused me a world of trouble financially and emotionally.
05/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 35405	Web
XX/XX/XXXX I sent out a letter to self lead bank to remove an account from my credit report thats listed as a charge of this my third attempt to get them to remove this inaccurate information. This account is listed as a charge off and has already been written off as a debt. You are violating FCRA 15 USC 1681 eb for reporting information that is not 100 % accurate. Remove this immediately from my report my next step is to request a 1099c form so that I can audit and make sure you are in compliance.
07/12/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Unable to get your credit report or credit score Other problem getting your report or credit score	CA 94063	Web
I have open credit builder account with self financial on XXXX XXXX mine payment was on time. But credit builder account with self financial was failure to report to all 3 of mine credit bureaus. I was call in self financial, telling customer service about mine account was not report to all 3 credit bureaus. They said will fix it for me but never happen. 45 day later i was send them the email, self financial respond the email to me said they will fix it for me, but never happen again. thank you
02/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19401	Web
Self Financial Inc, is reporting on my credit report file that I am late on payments which is Federally illegal to report also my right to privacy is violated. according to 15 U.S. Code 1666b - Timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S. Code 1681 section 602 States consumers have a right to privacy and they are not giving me any privacy by reporting my financial transactions to the public.
06/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21075	Web
XXXX {$520.00} ( XXXX ) / XXXX ( XXXX ) $ XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX $ ( XXXX ) XXXX XXXX {$0.00} XX/XX/XXXX ) XXXX XXXX {$210.00} XXXX ) XXXX XX/XX/XXXX {$230.00} ( tXXXX ) XX/XX/XXXX {$260.00} ( XXXX ) XXXX XXXX XX/XX/XXXX {$260.00} XX/XX/XXXX {$110.00} XXXX I have sent letters to credit bureaus and XXXX the debtor asking to send me copies of everything they had on file to me and that has not been completed. The response i received was blank white paper with black spots, no picture!
09/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	OR 97230	Web
I have had loans put in my name in the amount of XXXX and XXXX i have no knowledge of it as well there has been auto leases out in my name i dont even have a license and home loans which i rent and never have had any of this i am just wanting ti talk to someone about it identity theft i see several names close to mine on my credit report and i have been trying so hard to get my score up and be on good terms i should only have a student loan and credit card These are not me see attached documents
07/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 920XX	Web	Servicemember
An unauthorized credit inquiry was mad on XXXX by XXXX XXXX 3 times so far on XXXX. Location XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone ( XXXX ) XXXX Requested On XX/XX/2022, XX/XX/2022, XX/XX/2022 Additionally, another was made on XXXX with XXXX XXXX XXXX and their automated message system automatically goes to unauthorized credit inquiries as if this was intentional or expected? Location XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone ( XXXX ) XXXX Requested On XX/XX/2022
11/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76549	Web
In accordance with the Fair Credit Reporting Act, " Self Lender, INC '' and " XXXX XXXXXXXX XXXX XXXX '' has both violated my rights. Under the 15 USC 1681 Section 602 ; it states I have the right to privacy. 15 USC 1681 SECTION 604a Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
07/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95758	Web
The company SELF FINANCIAL/LEAD BANK reported the information has certified to XXXX that the information is accurate THAT IS IMPOSSIBLE BECAUSE I REPORTED THE ACCOUNT AS IDENTITY THEFT, THE ACCOUNT WAS OPENED FRAUDULENTLY. I never lived at XXXX XXXX XXXX XXXX XXXX, CA XXXX. Ive been living at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX since XXXX of 2018. Ive attached the false updated response from SELF FINANCIAL/LEAD BANK to XXXX & Ive attached my identity theft document to support my claim.
07/13/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	CA 90028	Web
My credit card company Self Lead Bank has been not reporting my good payment history in accordance with Fair Credit Reporting. In addition, Self Lead Bank has been reporting on the days opposite to which they agreed and what is listed in the cardholder agreement. This negligence has cause great harm to my credit as I have no late payments, yet Self Lead is failing to report these on-time payments as agreed. This credit card company is doing more damage to my credit than helping my credit.
04/15/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	GA 303XX	Web
I was welcomed to use a small denomination on a Self credit card As I was XXXX for a long time I called the customed service line while in the XXXX to arrange a payment The representives I talked to refused to assist in effort to submit payment and refused to acknowledge that as I formerly had mobile App access and lost everyhing through local exploitation and refusal of law enforcement to comply with law that arrangement on personal account on App had already account reference for payment
02/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 114XX	Web
You are reporting negative information on my credit report which is extremely inaccurate. I have never made a late payment to your company. This is a violation of my rights of the FCRA, and I will be seeking legal action and compensation for this under 15 USC 1681. The inaccurate reporting of this account is an adverse action and a defamation of character. It has be on my report for too long. I HAVE NEVER MISSED A PAYMENT. XXXX and XXXX reflect that as well. Please correct my XXXX report.
01/07/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	FL 33021	Web
On XX/XX/2019 I paid my bill per usual earlier than the due date. Unbeknownst to me the payment showed up as late, which is impossible. I never received any notifications saying that the payment didn't go through. I have made several attempts to rectify this issue with my provider to no avail. This has caused me higher interest rates on a recent loan, and problems trying to finalize my mortgage. I take great pride in my perfect credit and payment history. This mistake is hurting my credit.
12/04/2023	Yes	Prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble closing card	PA 19018	Web
I XXXX XXXX had a with Self inc. that has been closed since XX/XX/2023. XX/XX/2023 I Filed a CFPB complaint online. The complaint was filed because Self Inc. was reporting a debt on a closed account that I didnt owe. The investigation went through and the fraudulent debt that was being reported was corrected and the complaint was closed. But as of today XX/XX/2023 Self inc. still continues to report negative items on my credit report for an account that has been closed for several months.
11/28/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AL 357XX	Web
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which it prohibits. They furnished this account which we did not agree upon and I didnt sign an aggregation on either. A legal contract is signed by XXXX XXXX and I did not participate in any of it. More so they did not follow the proper XXXX step validation procedure which makes this unfair practices. According to the FDCPA XXXX entitled to XXXX dollars per violation and they clearly violated my rights.
09/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 19151	Web
I am XXXX XXXX and XXXX am submitting this complaint myself and there is no third party involved. The information you provided is different from other bureaus. This account is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Also, please reinvestigate the whole information especially the status information of this account. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
05/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WI 54601	Web	Servicemember
XXXX {$110.00} I called about 15 times in the month of XXXX to try and get them to understand that I dont owe them a XXXX. One person told me it was because it was a deposit in another person told me that I owe money from when I spent money on the card so now I owe money that theyre claiming that I dont owe and they keep telling you guys that it is a duplicate. It is not a duplicate. I asked them if they can send me something stating that I or deposit with my signature and the contract
06/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 21223	Web
Self Financial/LEAD XXXX This account was a secured loan paid in full. The company was sold and I disputed this account being on my credit report showing I still have a balance and late payments of XXXX XXXX and XXXX which are inaccurate on my credit report. This account is closed and under the FCRA I requested that this be removed from my credit report. The status changed to paid/past due. This account should not be reporting on my credit report as current with inaccurate information.
06/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	IL 60153	Web	Servicemember
On XX/XX/2022 a company name XXXX XXXX unauthorize put a hard inquiry on my XXXX union credit report. I never heard of XXXX XXXX and did not authorize them to pull my credit. After investigating I learned the parent company self inc a credit building app is the parent company of XXXX XXXX. I did not authorize self inc or XXXX XXXX to do a hard inquiry on my account. A lot of people are complaining because they to are victims of self inc and XXXX XXXX unauthorize pulling there credit.
12/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34952	Web
i am showing a secured loan on my credit report from self lenders that i have been paying monthly but never received a loan i also didnt even know i was making payments i believe it was set to auto pay and it shows as a secured loan. i am getting constant offers for loan approvals never applied for and also have issues with XXXX credit card XX/XX/XXXXcredit cardXX/XX/XXXX all showing inaccurate charges i have had to submit inaccuracies to my bank and believe i am a victim of ID theft.
10/10/2023	Yes	Credit card General-purpose credit card or charge card	Improper use of your report Reporting company used your report improperly	HI 96786	Web
Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX, XXXX Credit Bureaus are reporting inaccurate information on SELFXXXX. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting incorrect information. Per FCRA, Reporting must be 100 % accurate. Here is the list of the erroneous account reporting on my Credit report. SELFXXXX XXXX
12/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78250	Web
Yes I recently paid off a collection. I was told this would be a pay to delete. However the company is refusing to remove it from my credit. It has been paid down to XXXX I have been more than reasonable. Weve settled on a debt and I paid in full. This is holding me back from being pre approved for a home. I have done everything they have asked even requested a goodwill letter especially during this pandemic. This is beyond unprofessional but inhumane. Nobody is willing to help me.
10/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33020	Web
I have several late payments on my credit report. In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
05/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28216	Web
In accordance with the fair credit Reporting act, XXXX XXXX XXXX Acc # XXXX XXXX XXXX XXXX XXXX Account # XXXX & # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
12/12/2023	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Improper use of your report Reporting company used your report improperly	TN 38114	Web
Hello there cfpb, I need to report self Financial group as it appears on my credit report, my information was shared without my consent. I have never had any affiliation with self Financial group ever in my life my rights we're violated completely and self Financial group appears on my credit report as a very hard inquiry and the information is absolutely incorrect and false. Self Financial is using predatory business practices to gain access to consume his personal information
08/07/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 306XX	Web
self/ lead bank balance owed {$0.00} opened 2021 ( XXXX XXXX XXXX, XXXX XXXX I have never opened an account with this company and have contacted them and sent them XXXX reports and have asked them to remove this fraudulent account from my report, there is no verifiable evidence to attach this account to my report nor have I gave them consent to run my credit/ attach anything to my report. PURSUANT TO 15 USC 1681 & Under 15 U.S. code 1692j the account much be removed immediately
08/31/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MA 02301	Web
I was shocked when I reviewed my credit report and found late payment in XX/XX/2020 for 30 days late. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
06/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MA 02301	Web
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2020 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
05/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90017	Web
Hi my name is XXXX I been a victim of identify theft which has cost me a lot. I lost job opportunities even living a better environment. Thanx to my negative credit which I already did what ever all the credit agency ask for is to file a police report and to lock n freeze my credit. Not to long ago I got denied housing for the wrong information been on my credit report which I already sent all document la and is still on my record. Whats going on please get that of my record.
12/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	PA 19130	Web
In accordance with the fair credit Reporting act XXXX Account XXXX XXXX XXXX, XXXX XXXX XXXX Self Financial Inc/ LEA, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat, payment on a credit card account under an open end consumer credit plan as late for purpose.
06/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 23238	Web
I dispute XXXX XXXX banks for reporting inaccurate information on my credit report and all the bureaus said it was verified. I was trying to get XXXX XXXX and was rejected for negatives information my account.I am trying to get a job and can not because of this account being report negative. This account was secured and the company took some of my money as fees before closing it. They should deleted or report it as paid with no late payment or any negatives on the account.
06/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60617	Web
On XX/XX/2022, an unauthorized hard credit inquiry was pulled on my XXXX credit report by the company : XXXX XXXX XXXX. I did not authorize this company to obtain my credit information, nor did I authorize this company to inquire for my personal credit report from any credit bureau. My credit score was impacted by this fraudulent act from this company, and I have tried to contact them with no response. The parent company that owns XXXX XXXX XXXX is : SELF FINANCIAL, INC.
08/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 191XX	Web
The information you provided is different from other bureaus. This account is reporting late as reported in my XXXX and XXXX Credit Bureaus. Also, please reinvestigate the whole information especially the account status, high credit, current balance, payment status, and comments. This information seems to be misleading, lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
09/05/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 49022	Web
In accordance with the fair credit Reporting Act XXXX Account XXXX. Self Financial Inc XXXX. XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 ; It also states A consumer reporting agency can not furnish A account without my written instructions. 15 USC 1666B : A creditor may not treat A payment on A credit card account under an open end consumer credit plan as late for any purpose.
09/17/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	GA 30907	Web
Always closed even during their business hrs theyre chat wont even pop up which is the main way they try to force you to contact them I called about these transactions even got a new card and they told me they would reach out to me for more info but instead they just reversed the credit they gave me and now of course theyre closed and Ik from experience you got ta go higher then typical customer service to get anything done for reals and I want this to be fixed already
09/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IN 46224	Web	Servicemember
Self Lender is submitting different and inconsistent information to all credit bureaus. I have disputed these items to the credit bureaus and the creditor verified the information as correct. It is obvious that the all the different information being reported to each bureau can not be correct. They should be reporting the same information to all the credit bureaus. l have brought this matter to their attention and yet I have not been able to get this problem resolved.
09/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IN 46224	Web	Servicemember
Self Lender is submitting different and inconsistent information to all credit bureaus. I have disputed these items to the credit bureaus and the creditor verified the information as correct. It is obvious that the all the different information being reported to each bureau can not be correct. They should be reporting the same information to all the credit bureaus. l have brought this matter to their attention and yet I have not been able to get this problem resolved.
09/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93065	Web
After pulling my credit report on XX/XX/2023 I noticed an account with Self Financial / Lead Bank acct # XXXX & XXXX on my credit report. I have no knowledge of this account & have an issue with 2 data breaches that have resulted in identity theft. Ive called multiple times to get these accounts closed & deleted from my credit report with failure or no response from either company. Attached is a copy of my Federal Trade Commission Affidavit to speed this process up.
05/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MS 395XX	Web
Whom It May Concern : I recently looked at my credit report, and I am disturbed to realize that I do not recognize multiple accounts and I can not match the debt to any debts that I am aware I owe. Can you please verify these accounts for me to help me understand why someone thinks I owe these debts. Here is a list of all the information I could find on my report, though the account numbers are only partials. I don't know where to get the rest of that information...
09/02/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	OK 74133	Web
I have my account set up on auto draft, and they have been taking my payment out every month, but for some reason auto pay was taking off in the system and it cause it to be 30 days late and i wasn't notified at all whats so ever. Which caused my credit score to drop 50 points, causeing me to be in a real financial bind. I'm in a process of starting a business, but because of that one late payment its going to be rough. I've made 9 on time payments with this company
02/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77373	Web
I disputed a 30 day late payment that they reported to the credit in XX/XX/2020. They removed the 30 day late payment off my XXXX report and then added a 60 day late payment for XX/XX/2020. I made the XX/XX/XXXX due date payment on XX/XX/2020. I have not been treated fairly and I'm completely being taken advantage by this company.This is the second time they reported inaccurate information on my credit report. I'm going into a XXXX XXXX the way there treating me.
06/15/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	FL 33647	Web
ATLCAPBKSELF is a debt collection company that is based out of Texas, however I live in Florida. Thats a violation of 15 usc 1692 b ( 2 ). Second its a company that bought my debt without my consent which makes this identity theft. Last the information that they reported to the 3 credit bureaus are inaccurate. For example investigate : account #, account status, date opened, last reported, date last active, date of last payment. These columns are all inaccurate.
12/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	CA 90303	Web
To whom this may concern, XXXX XXXX Consumer Financial Protection Bureau I am writing to request the removal of unauthorized credit accounts and XXXX, XXXX and/or XXXX ) credit report. My credit that I did not authorize. Please remove any unauthorize information from XXXX XXXX XXXX is {$1600.00} also {$390.00} and this self financial for {$1600.00} with my name on it. None of these transactions was me. It was Fraud. I made a police report about these two accounts.
03/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92683	Web
As a party to the CONTRACT, I've requested the FULL ORIGINAL CONTRACT baring all parties signatures. I was never given the full contract. I've also requested the Account ledger/ XXXX XXXX XXXX Account in order to inspect the Accounts Receivable and Accounts Payable. I've also requested proof of Truth and Lending, and proof that GAAP ( Generally Accepted Accounting Principles ) was adhered to during the loan transaction. I never received ANY of what was requested.
02/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48188	Web	Servicemember
When I called a representative kindly agreed to have this inquiry removed from my account as well the late payments since I didnt realize it would be reported to the credit bureaus. Also, I had filled a Police report regarding my identify theft on several accounts under my name. Here are the accounts that need to be deleted. Currently active in the XXXX XXXX when all of this began. Name Account number XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
11/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33543	Web
They are incorrectly reporting as " Paid out of collateral ''. There was never any collateral and there was never any money lent to me. This was supposed to be a savings account- for which they kept the money ( I was told would be returned ) and never provided me with a loan or any kind of service. I made multiple written requests for them to validate the debt or provide evidence of the collateral in question for which they have ignored for more than 60 days now.
08/18/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CA 94523	Web
I submitted a payment to my Self Financial credit card on XX/XX/XXXX for {$1000.00} because I always pay off the balance before its due. XXXX was XXXX and its usually credited in a day. As of XX/XX/XXXX the payment is still pending and my card deactivated. It has caused my XXXX score to drop. Ive made payments through my bank account for over XXXX years. I have made several hundreds of dollars in payments from the same bank account and its never taken this long.
07/19/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with customer service	GA 30907	Web
I suspect fraud so I get on the self lender app for support which I tried doing the bright previous to this filing and they said chat is closed and said the hours so I just check again and they dont have a number to contact so I go through the prompts that I clicked were like I suspect fraud and it goes to sent me to and agent but nobodys there no Waiting in queue just sorry bye like when am I able to contact about this fraud on my account only these XXXX charges
12/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33142	Web
in accordance with the fair credit reporting act SELFXXXX XXXX account number:XXXX has violated my rights. 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 A SECTION 2 : IT IS ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH ACOUNT INFORMATION WITHOUT MY WRITTEN INSTRUCTIONS. 15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
10/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77088	Web
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose. Opened : XX/XX/2020 Amount : {$1000.00}
04/17/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 77346	Web
I viewed the company Self online but I never completed the application because I changed my mind about getting a loan. A few weeks later this company was placed on all my credit reports. I never completed the application and I never signed anything to give authorization for a contract. I reached out to Self and they told me the understood and would be removing themselves from my credit. Today, Self remains on my credit and I need this taken care of immediately.
11/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90044	Web
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item ( SELF / XXXX with account number XXXX Date Opened : XX/XX/2018 Balance : {$0.00} ) is reporting late, yet it is closed and the balance is XXXX as reported in XXXX and XXXX Credit Bureaus . The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about this complaints. Lets remove this immediately.
11/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78613	Web
This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didnt follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
02/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77099	Web
In Accordance with the Fair Credit Reporting Act ( SELF XXXX XXXX ACOUNT ) ( Acc # XXXX ) has violated my rights. Under 15 USC 1681 Section 602, states I have right to privacy. 15 USC 1681section 604 ( a ) section ( 2 ) Also states consumer reporting agency can not furnish an account without my written instructions.Under 15 USC 1666 ( B ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose.
06/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Billing dispute for services	TX 77007	Web
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXSBNASELFLNDR Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
07/03/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TN 377XX	Web
On XX/XX/23 I looked at my consumer report and I see XXXX XXXX XXXX self on my consumer report. I never took out a loan with them I am a victim of identity theft. I never even knew anything about this. I was in prison for several years I've already let the irs know this I also have a block on my consumer report. I do not know how this loan was obtained with out my signature and without me having a home to live in. Identity theft is a crime per 18 usc 1028 A.
06/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	GA 30127	Web
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE XXXX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
01/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19139	Web
In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 U.S code 1681s-2 section 602 states I have the right to privacy. Under 15 U.S. code 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S code 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
11/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21218	Web
self financial lead bank In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written authorization. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
07/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 22309	Web	Servicemember
this is a self lending thing where you arent actually receiving a loan but paying yourself {$35.00} a month and you will receive the money back at the end of the term of the two years. Self terminated my account when there was an issue withdrawing my payment, and they still report it at XXXX days past due. 1 ) this was never money owed to them ; 2 ) I wanted to participate in the program but they terminated the account but are still reporting it past due
09/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 91104	Web
In accordance with the Fair Credit Reporting Act XXXX Accounts : XXXX XXXX Self Inc, have violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a ( n ) account without written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
05/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33432	Web
An unauthorized account issued by Self Financial Inc. was opened on my behalf without authorization by a person offering credit repair services. Self Financial Inc agreed that the account is unauthorized and promised to remove it from all three bureaus. It was removed from XXXX and XXXX, but Self is refusing to remove it from XXXX despite written confirmation that they would remove it. The account must be removed from my XXXX credit report immediately!
12/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 35235	Web
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
10/13/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	FL 32812	Web	Older American, Servicemember
I received a notification from XXXX XXXX on XX/XX/22 stating I had a bank credit card for {$530.00} from XXXX XXXX XXXX. ( XXXX XXXX ). I have no idea what this was, I have never dealt with this Bank, and I did not open a credit card. Someone has opened a card in my name. I have no idea what the credit card number is, when trying to contact customer service of the bank they could not give me any information XXXX Maiden name XXXX XXXX married XXXX XXXX
05/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 327XX	Web
In accordance with the fair credit Reporting act Self Visa Credit Card Ending in : XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
11/10/2023	Yes	Credit card General-purpose credit card or charge card	Problem when making payments Problem during payment process	FL XXXXX	Web	Servicemember
I made a complaint about dis company before late payments on my credit file XXXX XXXX XXXX self leader credit builder account they reply back by saying they will remove XXXX late payment and put close and pay as agree it's still showing a late payment history on my XXXX credit report and it's still hurting my score also I have there credit card and XXXX balance is wrong and the account is closed and it's reporting as open with a late payment history
04/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 07108	Web
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
03/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 08638	Web
In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 15 USC 1681I ( B ) I AM REQUESTING THE DESCRIPTION OF PROCEDURE OF THE REINVESTIGATION. USED TO DETERMINED THE ACCURACY & COMPLETENESS OF INFORMATION. WHAT STEP BY STEP ACTIONS HAVE YOU TAKEN? Who did you call? What exactly did they say? Neighbor visits? Interviewed? SBNASELFLNDR XXXX
11/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	LA 701XX	Web
I have an account named ( SELF FINANCIAL/LEAD BANK ) on my credit report that has been cancelled for months now still havent updated on my credit report. Also I have so many inaccurate addresses on my credit report that XXXX wont let me dispute. Also I have a personal statement/ consumer report / fraud alert on my credit report I have been disputing these same items for months no RESPONSE OR ACTION HAS BEEN TAKEN. I was a victim of identity theft.
04/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35405	Web
Im accordance with the fair credit, reporting act XXXX SELF FINANCIAL Account # XXXX has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnace account without my written instructions. 15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open in consumer credit, plant escalate for any purpose.
02/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28110	Web
15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
12/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30906	Web
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
06/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 63136	Web
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
07/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Unexpected or other fees	TX 78539	Web
I paid my Self account early on XX/XX/XXXX. I paid for it to be expedited out of my account. They waited till the 7th t attempt a withdrawal. They then proceeded to charge me an extra {$15.00}. This fee was never disclosed to me and I was informed that I either pay it or it will negatively affect my credit score. Which I took as a threat. So in my eyes this is now a case of extortion. Pay up or we will ruin your credit. That should be their motto.
04/01/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CA 91701	Web
In XXXX XXXX XXXX I made a payment with Self Financial Inc / LEA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX or XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX ( XXXX ) XXXX I wasn't aware the payment didn't go through because the payments always go through. The company never let me know and instead of letting me know just marked my account as past due. My account is listed as current but has this late payment in XXXX XXXX XXXX
01/17/2023	No	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60629	Web
In accordance with the fair credit reporting act SELF LENDING/BANK XXXX XXXX XXXX XXXX, has violated my rights. 15 USC 1681 section 602 states I have the rights to privacy. 15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
08/30/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	PA 19023	Web
In accordance with the Fair Credit Reporting Act Self Financial/ lead bank has violated my rights as a consumer. 15 USC 1681 Section 602 States I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
11/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33463	Web
IN ACCORDANCE with the fair credit reporting act this creditor has violated my rights! under 15 U S C 1681 section 602 states ''i have the right to privacy '' 15 USC 1681 SECTION 604 A SECTION 2 '' IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT REFURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTUCTIONS. '' UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT ANY PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
09/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30161	Web
In accordance with the fair credit reporting act ( Self lender_XXXX ) XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15U.S.C 1681 section. 604 A section 2 : its also states a consumer reporting agency can not furnish a account without written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
08/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 11211	Web
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat payment on a credit account under an open-end consumer credit plan as late for any reason.
05/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	TX 78653	Web
Ive reported account that need to be taking off my credit because it was not working an it was taking my money not reporting my credit am not updating my amount after paying just taking the money an saying I didnt pay, Ive asked for these account to be taking off my account but all it was is close and taking down my credit from a XXXX to an XXXX score that is not ok an my money is wasted my credit needs to be back or my money need to be replaced
05/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 723XX	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for d purpose. XXXX XXXX XXXX
09/06/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Unexpected or other fees	AZ 859XX	Web
Self.inc total amount {$740.00} not sure the date and time. On my credit report it says I owe the Self.inc stating that I signed up and was sent a credit card which I did not receive, I've been trying to get a hold of them but no response on neither on my email and phone. So please help me report this and fix this situation it's hard for me to figure this out and I dont want this to continue at all. Please help me clear this. Thank you so much.
06/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 53212	Web
In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. Under 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
11/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	WI 546XX	Web	Servicemember
I paid XXXX for rent and bill reporting, I paid XXXX on XX/XX/2022 This company is saying there's no record of payment where I provided proof of payment by email, additionally I sent over rent payments dating back to XX/XX/2022 which were verified by XXXX XXXX, they refuse to report the payments accurately, my water payment of XXXX, they refused to report. My cell phone bill they refused to report although I provided receipts verifying payment
05/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60411	Web
I respectfully request your prompt attention to the following inaccurate information on my credit report. The following item is inaccurate negatively affecting my credit please re-investigate this matter and delete end or corrected speeded item. I respectfully request that you provide me with proof of the disputed item specifically any contact note court document or any instrument be having my signature. Failing that this item must be deleted.
04/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35405	Web
Im accordance with the fair credit, reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnace account without my written instructions. 15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open in consumer credit, plant escalate for any purpose.
09/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19131	Web
In accordance with the fair credit Reporting act SELF FINANCIAL/LEAD BA Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
06/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 17603	Web
In accordance with the Fair Credit Reporting Act, SELF FINANCIAL INC / LEA has violated my rights under 15 USC1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section 604ASection 2, it also states a consumer reporting agency can not furnish an account without mywritten instructions. Under 15USC1666B a creditor may not treat a payment on a credit cardaccount under an open-end consumer credit plan as late for any purpose.
05/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WA 982XX	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for d purpose. 46.1K 485
09/27/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46221	Web
In accordance with The Fair Credit Reporting Act, the creditor has violated my rights under 15 USC 1681. Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 A Section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
08/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48092	Web
In accordance with the fair credit reporting act Self Financial Inc/ Lead bank, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
04/29/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	PA 19124	Web
You have violated The Fair Debt Collection Practices Act As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) ( FDCPA ) & the Fair Credit Reporting Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services ( FCRA ). ( TITLE 15 ) 15 U.S. Code 1681, 15 U.S. Code 1692, 15 U.S. Code 1681b.
09/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60102	Web
I reached out to self via Email and informed them that I had no knowledge of this account and believed that it was created on my behalf by someone else. They replied stating that they had conducted an investigation and found that the account belongs to me. This is not sufficient by any means, I did not receive any documentation at all and would like this account and its history or lack thereoff removed from all credit reportin bureaus.
12/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27886	Web
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
06/07/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 396XX	Web
In accordance with the fair credit reporting act XXXX Account ending in XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 122XX	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. XXXX XXXX
08/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 295XX	Web
I closed my account with self. Prior to me closing I sent then a email telling them that it is illegal to report late payments on my credit report. Self has reported late payments and credit usage on my credit report causing my credit score to drop tremendously from over 150 points.Credit reporting is optional and they did not Clearly and conspicuously share wityme the country consumer that I had the option to opt out of credit reporting.
04/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 53218	Web
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
12/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 317XX	Web
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
10/24/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 14211	Web
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
08/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 11211	Web
In accordance with the Fair Credit Reporting act SBNASELFLNDR Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat payment on a credit account under an open-end consumer credit plan as late for any reason.
07/06/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	MD 218XX	Web
I was XXXX from XX/XX/XXXX to XX/XX/XXXX. I had a SELF. account that was past due XXXX months because of miss payments. I don't have a job yet and my account got shutdown and my credit was badly hit because of that. I called them and asked to get it removed and was told to call a credit bureau ( XXXX ). Which told me they can't take it off my report. I need it off my report I can not make the payments and its badly effecting my credit.
04/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19139	Web
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 Section 604.A Section 2 : It also states a consumer reporting agency can not fumnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
04/10/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	NY 11221	Web	Servicemember
I have been going back and forth with self.inc about my pay out but they keep trying too tell me I need too give more bank statements too get my pay out but I already provide my most recent bank statement ( just like there email says ) valid id, ssn, and a picture of my holding up my id which the law does say for me too properly id myself I need too give too forms of id which I have already done but they still tell me I have too do more
07/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 91730	Web
In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
05/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90019	Web
The company self inc is reporting different payment history to all three credit bureaus which is negatively affecting my credit score. On XXXX theyre reporting that I was late for XXXX and XXXX of 2022 but yet for XXXX they reported that I was late for XXXX of 2022 but on time for XXXX of 2022. As for XXXX they did not report any payments for XXXX or XXXX. This has greatly affected my score and prevented me from residences to apply for.
03/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 14228	Web
Repetitive payment history continues to be displayed as inaccurately reporting on numerous accounts I have reached out to self with no deletion There's ( 3 ) days ( 2 ) 60 days, then a closed account after payment. I would think this would be a good reason to dispute because it's inaccurate. You can only be 60 days, 90 days, or 180 days late once in a row I want all self lender accounts removed from all three credit bureaus immediately
10/11/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 191XX	Web
The beginning of XXXX my new balanced and a current status was marked on my XXXX Credit Report and XXXX as current and paid. On XXXX my balance was updated and not my status. This has left me in a derogatory status on XXXX and if not corrected will lead to my whole family being homeless. We have a chance for a home when that one remark is removed off of XXXX as missed payment and currently late with an updated balance of XXXX from XXXX
11/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33311	Web
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604 a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
04/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI 48035	Web
XX/XX/2023 I contacted self credit report in regards of an dispute with XXXX stating that my balance is currently {$1600.00} when my balance is {$900.00}. I asked self representive to please respond to XXXX with my accurate balance she told me no she not properly investigate and let them know my balance. I am trying to close on a home and this is effecting me by having innacurate on my report this is a violation of code 15 U.S.C 1681
10/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Received unsolicited financial product or insurance offers after opting out	VA 23320	Web
In Accordance with the Fair credit Reporting act XXXX Account # XXXX Has violated my rights. XXXX5 USC 1681 section 602 States that I have the right to privacy. 15 USC 1681 section 604 A Section 2 : it also states an Consumer Reporting Agency can not Furnish a account without my written Instructions. 15 USC 1666B : A Creditor may not treat a payment on a credit card account, or an open consumer credit plan as late For Any Purpose.
08/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30228	Web
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
10/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90280	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
10/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33604	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
09/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89102	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
10/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23454	Web
In accordance with the fair credit reporting act, this creditor has violated my rights. under 15 usc 1682 section 602 states I have a right to privacy. 15 usc 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15usc1666b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
10/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MD 20850	Web
Hello, on XXXX and XXXX these companies have reported that my paments were late. However based on further review I have pulled my bank statements and it shows that my payments to the mentioned companies have been made on time. The payments made to discover bank, XXXX XXXX XXXX XXXX XXXX, and Self Lender were all made on time and debited from my account so there is no reason why these accounts should be reported as late. Thanks
09/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77081	Web
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 US C1681 section 602 states I have the right to privacy section 15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions under 15 US C section 166B a creditor may not to treat a payment on a credit card account under an open and consumer plan as late for any purpose.
08/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 53224	Web
In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
09/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 21075	Web
n accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
05/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23456	Web
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written consent. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
02/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CT 06606	Web
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
10/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32209	Web
In accordance with the Fair Credit Reporting act This account has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
06/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 21702	Web	Older American
I have an account with Self Financial and the have a subsidiary called XXXX that did a hard pull on my credit which negatively impacted my credit score. I have never had any dealings with XXXX, nor applied to rent anywhere. Self financial is aware of this and notified me by email after the fact. They acknowledge it was an error, but the negative impact on my credit remains. I have not been able to reach anyone at XXXX to assist.
09/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	KY 40502	Web
-In accordance with the fair reporting act " SELF/LEAD XXXX, has violated my rights. - 15 USC 1681 section 602 states i have the right to privacy. - 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. - 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
06/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MA 01810	Web
In accordance with the fair credit reporting act this creditor has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
10/11/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Privacy issues	GA 30458	Web
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
11/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 750XX	Web
Accordance with the Fair Credit Reporting Act this creditor has violated y rights under 15 USC 1681 section 6 o2 states I have the right to privacy ( 15 USC 1681 ( section6 o4 section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666ba creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
03/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92025	Web
In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
10/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32209	Web
In accordance with the Fair Credit Reporting act This account has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
09/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07111	Web
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681section 602 states I have the right to privacy 15 USC 1681 section604 a section 2 it almost states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor my not treat a payment on a credit card account under an open end consumer credit plan as late or any purpose.
08/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44202	Web
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
03/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92404	Web
I reached out to Self lender because there was incorrect information on my account regarding a late payment of XX/XX/XXXX and not showing payments for XX/XX/XXXX and XX/XX/XXXX. Self lender disputes team said they were going to remove the late payment XX/XX/XXXX and again on XX/XX/XXXX but the incorrect payment remains there on XXXX and XXXX. In which it is heavy affecting my credit score. I wish receive the incorrect deleted.
09/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60620	Web
In accordance with the fair credit Reporting act this company has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
05/31/2023	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble closing card	NC 278XX	Web
Self gave me a credit card, which I never used. They have reported late payments on my credit. I have never used the card nor never had a balance. I requested for Self to be removed completely removed from my credit and they refused. Self closed my credit building account during a national pandemic. They refunded my money and I would like to have it deleted from my credit reports. They refuse to delete from my credit reports
10/16/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 94536	Web
The company Self Lender is reporting that I have a late payment on my account, I have had this account for 20 months and have never missed a payment or made a payment late, My credit reports show that the account was late in XXXX of 2021 and this is inaccurate and must be removed from my credit report. Please correct my credit report with accurate information, if not I need to be provided proof that the payment was made late.
10/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90047	Web
In accordance with Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 SECTION 602 states i have the right to privacy, 15 USC 1681 SECTION 604a SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USCs 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
04/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78242	Web
This company states that I did business with them in such a way that is false and iI asked them politely to delete the account but they chose not to. They are reporting that they loaned me a specific amount of money and that I secured the loan. And I have stated that I defaulted and or gave late payments ... I suspected this was a fraud company and stopped giving this entity money especially in the middle of a world pandemic.
02/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MA 02301	Web
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor 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 the loss of credit rating.
02/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 01604	Web
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor 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 the loss of credit rating.
12/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MA 02301	Web
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor 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 the loss of credit rating.
09/11/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02302	Web
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor 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 the loss of credit rating.
09/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19131	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
09/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60628	Web
In accordance with the fair credit Reporting act this company has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
08/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33615	Web
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
05/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60411	Web
During the time of my XXXX someone stole my identity. They have the wrong birth year on XXXX credit report and addresses. I have 4 accounts, XXXX XXXX XXXX {$590.00} on XXXX XXXX XXXX XXXX XXXX XXXX XXXX account I never approved or asked to be added to on XX/XX/XXXX and also Self financial /lead {$720.00} on XXXX XXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XXXX Can you please investigate and remove from the report.
03/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 152XX	Web
In accordance with the fair credit Reporting act, this creditor has violated my rights. 15USC1681 Section 602 States I have the right to privacy. 15USC1681 Section 604A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B states A creditor may not treat a payment on a credit account under an open end consumer credit card plan as late for any purpose.
03/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02302	Web
Amidst this worldwide crisis that we are facing with all that is going on this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor 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 the loss of credit rating.
12/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89110	Web
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not a payment on a credit card account under and open end consumer credit plan as late for any purpose.
05/28/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	GA 30344	Web
Self lender is a account where you pay yourself and at the end of the loan you get the money back I paid twice on a loan and never got the money back they owe me {$1000.00} they claim {$750.00} but have sent nothing!!! they keep saying they sent a check and they don't send it ever it does not take over a month for a check to get here they are liars I look on the reviews and other people are saying the same thing it's a scam
08/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33433	Web
Account was set up on automatic payments monthly and was disconnected by company without my knowledge and later reported as late to all 3 credit bureaus for that month. I reached out to a rep and explained the situation, he understood but could do nothing about it and told me to take it up with the bureaus. In the screenshot you will see the manual payment that took place and me having to reset my account back to automatic
07/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60615	Web
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
06/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	OK 741XX	Web	Servicemember
A credit building company called self was supposed to help me build my credit I never gave them any money and I never opened an account but yet they have an account saying I owed {$720.00} and I never want to received any services for them or from them nothing I don't understand how that can go on my credit when I never signed anything I never send a picture of my ID to anyone I didn't do anything to have that on my credit
03/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or missing disclosures	FL 32401	Web
Account number XXXX XXXX This account was set up to help build credit. And a monthly payment is made and saved into a untouchable account till the XXXX is paid with 12 consistent payments. I was understanding that I could cancel at anytime. This was cancelled because I just suffered from a declared disaster from hurricane XXXX and now COVID. As I tried to cancel this and thought it was until it showed up on credit report
03/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	IL 60610	Web
This account was paid and closed in XXXX. The credit report updated on XX/XX/2021 to show that the balance of {$170.00} was closed and paid. Today on XX/XX/XXXX I received an alert and a credit score drop due to the account showing that I have a {$170.00} increase on my credit report for Self Lender. There should be no increase as this account was paid off and closed 2.5 months ago. I have attached proof of documentation..
08/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 62221	Web
In accordance to the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under a open end consumer credit plan as late for any purpose.
10/15/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NY 11206	Web
In accordance to the fair credit reporting privacy act. XXXX account Self XXXX has violated my rights. 15 USC 1681 section 602 States I have the rights to privacy. 15 USC 1681 section 604 A 2 States a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B a creditor may not treat a payment on a credit card account under an opening end Consumer Credit plan late for any purpose.
11/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95758	Web
I have attempted to dispute the company, XXXX XXXX XXXX, off of my credit report but XXXX has not wanted to remove it. The creditor, Self Inc, has sent me a letter confirming that this debt was opened fraudulently and it should be removed but XXXX is continuously keeping it on there even after I have submitted the proof. I have even had the creditor contact XXXX to let them know that this debt is not mine but to no avail.
05/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77099	Web
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. under USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account on an open end consumer credit plan as late for any purpose XXXX
05/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 339XX	Web
In reviewing my credit report on XX/XX/23, it was noted that an account I have disputed as " not mine '' is still reporting after disputing this information with XXXX. XXXX has not provided proof of ownership of this account and continue to report this inaccurate information damaging my credit worthiness. I am requesting the proper verification and accuracy of this account. The account is reported as SelfXXXX XXXX XXXX
02/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	IL 60636	Web	Servicemember
Self financial closed account and fraudulent activity sending information to credit reporting agencies trying to keep credit scores below XXXX to keep me from buying a home I think XXXX may be involved I was sent information to transfer money from one account to another once I made the transaction my account was closed to prevent me from paying with my other account I have reported Self financial to the XXXX XXXX XXXX
11/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Was not notified of investigation status or results	NY 14228	Web
XX/XX/XXXX I disputed this account self account in writing stating I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. No proof of investigation was provided nor was the negative payment status updated for all 3 self accounts
11/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29223	Web
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
08/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60615	Web
Im accordance with the fair credit reporting act these accounts have violated my rights under 15 USC 1681 section 602 states I have a right to privacy. Under 15 USC 1681 604 A section 2 a consumer reporting agency can not furnish an account without written instructions. Under 15 USC 1666 B a creditor can not treat a payment on a credit card account under an open consumer credit plan as a late payment for any purpose.
04/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	NC 273XX	Web
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
03/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 703XX	Web
in accordance with the fair credit reporting act XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 Section 2 : It states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
11/08/2023	Yes	Credit card General-purpose credit card or charge card	Fees or interest Charged too much interest	DE 19709	Web
Charged interest on a XXXX balance! Balance was XXXX when the statement closed and they stated that even though the balance was XXXX, it wasnt paid by the due date in full, which should only apply if your being charged daily interest, which should only apply to cash not purchases. I attempted to resolve it but they failed to help so I just paid it and now my statement balance will report as just an interest charge!
01/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 757XX	Web
Im accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 US 1681 Section 602 A : it states a consumer reporting agency can not furnish a account without my written instructions. 15 US 1666B A creditor may not treat a payment on a credit card account under an open end costumer credit plan as late for any purpose.
05/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AL 35405	Web
On XX/XX/XXXX I reached out about the inaccuracies on my credit report caused by XXXX XXXX XXXX I will be providing proof that your company is reporting inaccurate information on my report on all three credit bureaus I dont understand how this is coming back verified when none of the beaurus match across the board Im extremely upset and this is causing my life to be affected tremendously please remove immediately
02/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77099	Web
IN accordance with the fair credit reporting act ( XXXX XXXX XXXX account # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A section 2 : Also states a consumer reporting agency can not furnish An account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on an open end consumer credit plan as late for any purpose.
02/03/2023	Yes	Checking or savings account Other banking product or service	Opening an account Account opened as a result of fraud	OH 43123	Web
I was notified by Chase Bank of a loan approved in my account for {$720.00} on XX/XX/2023 through XXXX XXXXXXXX XXXX I called Chase and spoke with their credit alert division who gave me a case number, and will be following up. I am also filing a police report. There are also a number of credit checks in the month of XXXX, which I did not authorize, found in my credit reports which have impacted my credit score.
06/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 90032	Web
I sent XXXX via certified mail on XXXX, XXXX 2022 a request to investigate the inaccuracy of these accounts that show up on my consumer report. I pointed out that their also several violations of Fair Credit Reporting Act ( F.C.R.A ) and Non compliant with The Gramm- Leach-Bliley-Act ( GLBA ) to this date i have not heard back from XXXX of any updates. 15 U.S.C. Sec. 1681i ( a ) 15 U.S.C. sec. 6802 ( b ) ( 1 )
01/24/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	CA 95404	Web	Servicemember
Self XXXX XXXX has continued to harm my credit. I never opened the card. It is not my debt. I have sent them certified letters to remove this off my credit score they are refusing to do so. I dispute this at least three to four times a year and all three agencies are automatically verifying debt. This is unfair to me. I have a fraud alert set on my account now but this is harming me now 4 years. Please help me.
07/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60419	Web
In accordance with the FCRA this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.
07/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 39402	Web
In accordance with the Fair Credit Reporting act Self Lender/XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. ( I never gave Self Lender/XXXX XXXX permission to furnish any installment accounts on my consumer report. )
12/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA XXXXX	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about this complaint. SELF / LEAD XXXX Balance : {$0.00} ;
04/25/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Credit monitoring or identity theft protection services Didn't receive services that were advertised	PA 17901	Web
The company which is self financial inc/XXXX XXXX gave someone a loan in my name and they failed to give me any info 2 weeks ago when I called when there was still XXXX dollars owed and now all the sudden not even 2 weeks later I get a new report and the loan was paid off in good standing from collateral!! I wish to know how if they didn't know the individual responsible. Who did they go after supposedly.
10/23/2023	Yes	Checking or savings account Savings account	Problem with a lender or other company charging your account Money was taken from your account on the wrong day or for the wrong amount	MN 55421	Web
I had a credit builder savings account # XXXX that I paid monthly, one of those charges did not enter and they charged me charges that I did not accept, for 02 consecutive months they added those charges and did not return all the money I deposited. me. In the month of XX/XX/2021 I disputed the charges, but they did not respond to me and marked me with delays even though they were supposed to be disputed.
11/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AR 72120	Web	Servicemember
It's been over thirty days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment. They have not supplied this information and they must delete the alleged late payments on my credit report. Under Federal Law they had thirty days to complete the investigation, and by failing to do so the item must be deleted from the report as soon as possible
08/30/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	GA 303XX	Web	Servicemember
In the beginning stages of the pandemic, I was unable to pay the loan amount monthly. I do not owe anything to this secured loan, but it is reporting two negative payments on my credit reports and bringing my score down drastically. I feel that is predatory and immoral. My financial situation is much different now, yet there is nothing I can do about to reopening this account and continue making payments.
03/03/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76549	Web
I have an account with SELF FINANCIAL INCXXXX XXXX with the Account # XXXX. This account inaccurately reported late payments from my credit report in XXXX, XXXX and XXXX. I never received a mailed statement where it indicates I was overdue. If I received a mailed statement I would probably make a payment immediately. This creditor violated 15 USC 1666B this is a billing error and paid as agreed on time.
09/29/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	OH 443XX	Web
In the month of XXXX, I paid my monthly dues for my credit card with Self. They took out additional three Payments of {$36.00} dollars. I asked for it to be refunded or be accredited to my account. They refused to do so. They also took my credit score down 14 points actually my score should be XXXX by now I have paid on time. I sent proof from my bank statement the still refused to correct their mistake.
10/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	AL 365XX	Web
SELF / LEAD - XXXX - {$0.00} SELF / LEAD - XXXX - {$0.00} XXXX XXXX XXXX - {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX {$450.00} SELFINC/LEAD - XXXX - {$150.00} SELFINC/LEAD - XXXX - {$150.00} On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being take advantage of and ignoredonmydisputes.
03/06/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 94501	Web
I recently became aware of a billing error on my statement. Pursuant to 15 USC 1666d any credit balance in excess of {$1.00} should be credited or refunded to the consumer. I have identified in a billing statement issued on XX/XX/2023 in the amount of {$2100.00} should be refunded or credited to me the consumer. According to 18 USC 8 all debts public and private is the obligation of the United States.
11/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 206XX	Web
Credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 6048 section 2 it also states a consumer reporting agency can not furnish the account without my written instructions under 15 USC 1666B accreditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
05/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Unexpected or other fees	CA 941XX	Web
I opened an account with Self Financial in XXXX of XXXX Their advertising states that if you pay {$25.00} a month, your credit score will increase, and after paying for 2 years, you will get a payout of {$520.00} ( {$600.00} minus an {$89.00} fee ). I paid on time, and paid off my credit usage every month. At the end of 2 years ( this XXXX ), I only received {$46.00}. I want the rest of my money.
05/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	MN 554XX	Web
THEY STILL HAVEN'T RELEASED MY COMPLETED CREDIT FILE TO THE CREDIT BUREAS AND BECAUSE OF THIER NEGLAGENCE!!!! I HAVEN'T RECIEVED A CREDIT SCORE IN 11 MONTHS AND UNABLE TO GET ANY FINANCING ANYWHERE!!! ! MY CREDIT GILE NEEDS TO BE RELEASED TO THE CREDIT BUREAS AS I HAVE ALSO FILED COMPLAINTS AGAINST THEM ABOUT THIS EXSISTING PROBLEM THAT THIER CONSTANTLY DENYING AND REFUSING TO TAKE CARE OF!!!! @
03/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or misleading advertising or marketing	NC XXXXX	Web
Self-Financial ( the company ) is furnishing derogatory payment history to my XXXX credit file. I always paid as agreed and closed the account appropriately. Prior to closing the account, the representative from Self Lender assured me that the account would remain in good standing. Now I can not get approved for a mortgage due to this inaccurate reporting. Credit Builder Account ending in XXXX.
06/25/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	MI 48152	Web
OnXX/XX/XXXX, I paid off and closed a " credit builder '' loan from Self. I am expecting about {$520.00} to be redeposited into my bank account, which they have said will take about XXXX days from the date of closure of my loan account. Around day XXXX, I contacted Self regarding my payout, which they said they are still processing. Today is XX/XX/XXXX, and I still have not received my payout.
08/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 601XX	Web
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). Self Financial, Inc. violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a ).
09/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75181	Web
This company has opened an account in my name / misinformation / inaccurate and no validation and continues to ignore my requests to remove it. As of XX/XX/XXXX ; I submitted a request for verification and a certified letter on XX/XX/XXXX ) validation of this acclaimed debt ; and have not received any documents to this date. Thank you for your immediate attention. Sincerely, XXXX XXXX
09/18/2023	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Privacy issues	CA 90032	Web
the company stole my collateral deposit that was given to them. Closed the account and never payed me back my deposit.instead self reported inaccurate, incomplete information to the credit bureaus. Self continues to report a false amount. Self is in violation of the FCRA by being a willing participant of knowingly reporting information that is not true. Please help in this matter CFPB
03/09/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	UT 84047	Web
I opened an account with Self so I can improve my credit a few months ago. I made a series of payments into my account but just realized the program was not explained well and seem to be losing money instead. I closed my account and asked for a refund but the company is only refunding a portion of my deposits and keeping interest. I was also charged about {$10.00} to open the account.
03/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 11420	Web
The three credit reporting agencies have to have everything aligned on an individuals credit report ; for example, on one of my closed accounts it says I have a late payment. XXXX says I have a 30 day late payment on XX/XX/2019, XXXX and XXXX says I have an on time payment. On another, it says I have a 120 day late payment on XXXX but on XXXX and XXXX, it says I have on time payments.
08/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90017	Web
I RECEIVED A LOAN BILL FROM XXXX, EVEN THOUGH IVE NEVER HAD A XXXX XXXX XXXX XXXX, I CALLED AND THE BANK SAID I NEEDED TO FILL OUT AN IDENTIFY THEFT REPORT. JUST A FEW DAYS LATER, I GOT A CALL FROM XXXX ABOUT BUYING A NEW XXXX. I TOLD THEM I DIDN'T BUY AN XXXX. SOMEONE ELSE HAD GONE TO A STORE IN NEW JERSEY AND ADED TWO NEW LINES TO MY ACCOUNT. THIS SELF ACCOUNT I DID NOT AUTHORIZE!
09/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95823	Web
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done!
03/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TN 37601	Web	Servicemember
It's been over thirty days and the creditor has updates the info nor has provided proof of documentation in regards to a late payment. They have nor supplied this info and they must delete the alleged payment on my credit report. Under federal law, they had thirty days to complete the investigation and failing to do so the item must be deleted from the report as soon as possible.
08/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 38018	Web
In accordance with the Fair Credit Reporting act, XXXX Account # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
12/16/2020	Yes	Checking or savings account Other banking product or service	Problem with a lender or other company charging your account Money was taken from your account on the wrong day or for the wrong amount	DC 20017	Web
The monthly XXXX dollar payment made to self XXXX account on XX/XX/2020 was not credited to my account balance by Self XXXX. The statement says that a payment was not made in XXXX and that I am behind XXXX dollars which is not true. I believe they are retaliating due to a previous complaint made to the Consumer Financial Protection Bureau and publishing it for others to review.
08/04/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60431	Web
My disputes are being ignored, and I feel taken advantage of. XXXX makes it abundantly clear that failure to review a credit report item within 30 days will result in its immediate removal. These entries should be deleted immediately as they are older than 60 days. I require that these accounts be erased immediately ; otherwise, I will sue you for the stress you have given me.
10/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 33610	Web
I have already reported this information and it has been deemed inaccurate but they keep putting it back on my credit report the information is false Ive already submitted a claim once before I need this information to be removed once again. I emailed this company multiple times to close my account before the due date that I didnt want to continue and they wouldnt cancel it
10/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MS 387XX	Web
I have called several times in a days time. This was XX/XX/2023. Everytime I called, I've explained about identity theft and that someone used my social security number and pay card. The times I've tried to explain, I couldn't get a representative. I just want this removed from my report because I have a family and I am looking to buy a bigger home but this hurts my report.
10/04/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	IN 462XX	Web
The letter tells the debt collector to stop contacting me unless they can show evidence that I am responsible for this debt. Stopping contact does not cancel the debt. So, if a debt collector still believes I am really responsible for the debt, they could still take other action. For example you still might be sued or have the status of the debt reported to a credit bureau.
04/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55128	Web
An previous significant other had opened the account XX/XX/2019 behind my back to build my credit. I been trying to dispute this account since it was opened. It has been a whole year, the company wont remove it never matter what. This company has my info that was compromised so they verified it as accurate on my report. The fact people recommend this company is beyond me!
03/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33311	Web
I was about to purchase a house and my loan broker check my credit and inormed me that my credit had gone down because of a line of credit that was not paid for the month of XXXX, 2022. I called Self, Inc to confront them a bout the account. They informed me of a bank account at XXXX XXXX that does not belong to me. For sure, I have never open any account with Self, Inc.
09/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	TX 77385	Web
My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
10/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	CA 90019	Web
I have recently opened a credit builder account to improve credit. My credit builder account was closed and I did not authorize for my credit builder account to be closed. I now have unwanted inquiries on my credit due to this fraudulent mistake. My credit was on its way to being a XXXX I would like my credit score back to its original standing before this took place.
09/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or missing disclosures	WA 98146	Web
I noticed that my credit went down. I dont remember when. I haven't missed a payment. I asked the company self why. They said I opened or closed an account and that my credit will fluctuate. I closed one thing a long time ago. I was already penalized for it. There shouldn't be any fluctuations. That isnt a thing. As of currently I haven't opened or closed anything.
04/25/2022	No	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Privacy issues	IN 46112	Web
I have been the source of an almost constant barrage of marketing, payment reminder and other emails from XXXX XXXX XXXX. I do not own a self card, although they keep reminding me that my payment is due. Repeated tickets to their service center with no results and at least fifteen unsubscribe attempts have gone ignored. I just want them to stop contacting me.
09/12/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Account information incorrect	TX 77045	Web
Self is reporting these 2 accounts as open which is making my XXXX reporting raise 47 points & drop 47 points, this account was charged off based on the total I paid into the self installment account that they never refunded to me. This is not only a violation of the FDCPA but its also a violation of the FCRA to unlawfully report a charged off account as current
10/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 36301	Web
Self Lender is reporting a closed account that is paid off, which the balance reported is {$390.00} an the loan {$0.00}. I have not received my initial loan amount back but this loan has been paid in full. the date paid off was XXXX XXXX. I then called an expressed that this account is reporting negative information that is keeping me from obtaining many things.
02/17/2021	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Funds not handled or disbursed as instructed	WV 26505	Web
I am having difficulty with this company 's customer service. Each time I call the message states the hours of operation from XXXX XXXX Central tine ; however the following msg states they ate closed. This has happened for 3 conscutive days. My concern is with a bank being closed during the business hours they claim to be open? I would like to close my account
02/02/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	LA 704XX	Web
For XX/XX/2023 I paid a total of XXXX dollars to Self.inc. I only used XXXX of the credit in XXXX. I overpaid them XXXX dollars. I still have a balance due. I would like to know why their system does show that I overpaid them and why do I have an outstanding balance. I have tried to contact them. I am getting long wait times or the staff simply can't help me.
11/18/2022	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AL 35211	Web
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose
11/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	TX 77320	Web	Servicemember
I have seen my credit score drop a lot due to XXXX XXXX XXXX I have no knowledge of this account being opened nor do I have a credit card that they claim that I should have. No one from this company has personally reach out to me via email or phone. I've been told to file a complaint/report and save it as a XXXX to get this problem fixed within the company.
09/21/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70791	Web
Identity theft is the intentional use or possession or transfer or attempted use with fraudulent intent by any person of any personal identifying information of another person to obtain, possess, or transfer, whether contemporaneously or not, credit, money, goods, services, or any thing else of value without the authorization or consent of the other person.
09/12/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	RI 02895	Web
Self XXXX XXXX company or whatever it is allowed somebody to take a loan out in my name and social security number without trying to speak to me over the phone or getting correct verifiable information. Its fact, because I wouldnt have applied or registered for this program. My credit was horrible but not bad enough to pay into an account I cant take from!!
11/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 11226	Web
XXXX XXXX is inaccurately reporting their tradeline on all XXXX of my credit reports. XXXX XXXX has done the same thing to many other consumers as evidenced by the many complaints filed against them with the XXXX. There is a pattern of inaccurate credit reporting by this company and I want them to remove their tradeline from all XXXX of my credit reports.
11/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48174	Web
I will need proof these 2 SELF accounts are mines. I have no knowledge of any account with you and I have been trying to resolve this matter. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
10/26/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 91950	Web
Self lending has been Reporting on my credit and I am going and have gone through bankruptcy they are reporting as current charge off/paid they are not to continue to change results I am bankrupt and they can not collect or change their status they are attempting to update their account which can not be done I am legally protected through bankruptcy law
12/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30344	Web
15 USC 1681 Section 602 States i have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It waldo states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plans as late for purpose. CFPB COMPLAINT
07/16/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	GA 30344	Web
Hi i had open self credit builder account about 3 yrs ago and was offer a secure credit card with XXXX credit limit which was my money.I later closed the credit builder and kept the secure credit card. I tried canceling this account and it suppose to be linked to a credit builder account but its not and I need my money on this secure account and closed.
10/08/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	AL 35226	Web
I have been requesting a refund of the money paid for the secured loan to no avail. I paid the loan off in XXXX. I have sent them numerous documents all of which were requested by SELF. I can not speak to anyone via phone and the email system they have set up keeps sending me the same email requesting the same documents that were submitted previously.
03/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TN 38111	Web
On XX/XX/2023 I submitted a CFPB complaint to Self Financial, INC regarding a fraudulent account opened to my credit profile. They replied requesting an FTC report so that the account can be closed and deleted. I have completed the FTC report and I am requesting for a second time that this account be REMOVED from my credit. No more run around games!
10/22/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MO 641XX	Web
some repair company I paid was trying to fix my credit I did not advise them they could open up accounts in my name and I came to find that an account by XXXX XXXX was on my credit report via fraud the company I paid {$2800.00} did nothing but added this company and didn't pay the bill for this is fraud and I want this fraud removed from my account
06/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 19140	Web
Self Financial/Lead Bank has submitted False Documentation stating the Account is Past Due XXXX, XXXX, and XXXX of XXXX but they were paid and the account was closed in XXXX XXXX.It is hindering my credit score do to the false information being updated i spoke with a few ppl but i can never get anyone to Help me to remove it off my credit report
04/26/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC XXXXX	Web
Self-Lender is NOT furnishing my payment history with XXXX or XXXX. I have tried to address this issue, but I am ignored from the company. Self-lender stated that they will report my credit-builder account activity to each major credit bureau : XXXX XXXX XXXX, and XXXX . Self-Lender have not furnished anything to the above credit bureaus to date.
11/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32209	Web
If, after any reinvestigation Any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file or the consumer or modify that item of information as appropriate on the results investigation.
08/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33137	Web
XXXX XXXX is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ), 15 USC 1692 ( c ), and 15 USC 1692 ( b ). And I am requesting they provide a debt validation letter and a sworn affidavit within the next 30 days and provide a law that states a consumer has to pay an alleged debt. Documents are attached to this complaint.
10/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32714	Web
XX/XX/ SELF FINANCIAL, INC REPORTED THAT ACCOUNT WAS DELINQUENT ACCORDING TO STATEMENT DATE A PAYMENT WAS MADE BEFORE THE REPORTING DATE OF XXXX XXXX XXXXSELF FINANCIAL , INC. FALSELY REPORT TO THE CREDIT BUREAUS THAT PAYMENT WAS MADE LATE XXXX XXXX SELF FINANCIAL INC . ADMITTED TO CHANGING THE STATEMENT REPORTING DATES WITHOUT INFORMED CONSENT
01/07/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	FL 32025	Web	Servicemember
It was a credit card to help you with your credit. I was to accumulate {$750.00} and then they would give the money back and charge a percentage and give money back and report to credit bureaus to help raise score. I wanted to cancel with having paid about {$450.00}. They took my {$450.00} and reported that I owed {$750.00} to credit bureaus.
02/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60610	Web
This account was closed and should have should paid in full. I have been emailing and submitting tickets about the inaccuracy of my reporting and they are admamant my account is not open with XXXX or I dont know what I am talking about. I have included an extensive email trail for your review asking them to fix my account and providing proof.
07/05/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	MN 55343	Web	Servicemember
My Lead Bank Self Visa credit card is lost/stolen and theres is fraudulent and unauthorized transactions from XX/XX/XXXX to XX/XX/XXXX for {$260.00} listed and showing on my Self Visa credit card account. I dont recognize the transactions and the transactions are not my transactions. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
04/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WI 54751	Web
In accordance with the Fair Credit Reporting act XXXX is violating my rights! ACCOUNT # XXXX ACCOUNT # XXXX Attached is factual proof, Self Company CLOSED this account MONTHS AGO and is still reporting the account as an OPEN account. Again, with the Fair Credit Reporting Act, legally these unverified & unauthorized items MUST be removed.
08/22/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 601XX	Web
I filed a police report on XX/XX/2023 once I pulled my credit report and noticed a lot of fraudulent charges. I was in the process of purchasing a house and noticed several inquiries and charges that are not mine. I have sent credit letters to the credit agency and filed the charges on identity theft. gov. Please help me resolve this issue.
04/11/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Unable to get your credit report or credit score Other problem getting your report or credit score	AL XXXXX	Web
SF/XXXX XXXX needs to update my credit report for XX/XX/2021. It shows on my credit reports Ive utilized 129 %. As of XX/XX/2021, my secured card shows a 3 % card usage. Im in the process of buying a house.Therefore, I need all 3 credit reports and credit scores to report accurately and on time each month. SF/XXXX XXXX dont ever do this!
08/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02302	Web
I see multiple 30-60 days late marks on my report, I thought I had paid them before. I was in the hospital because of the XXXX and probably that statement didn't get a chance to came with me. 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.
04/10/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WV 260XX	Web
In accordance with the Fair Credit Reporting act XXXX ACCOUNT # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions NAME : self lender XXXX Account # XXXX
01/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94124	Web
On XXXX XXXX a missed payment was reported to all XXXX bureaus on a closed Self financial account. I have a closed account reporting a missed payment and I've sent many disputes to the creditor over the past year asking them to validate the account. They have failed to validate it and remove it. I need this account removed immediately.
09/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 319XX	Web
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX and XX/XX/2021 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected.
11/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19121	Web
ACCOUNT NUMBER XXXX DATE OPENED XX/XX/2020 DATE CLOSED XX/XX/2020 this account is still on my credit report I also filed a identity theft report on this years ago this account is now saying it is closed now I no loner need or want this on my credit report and I need XXXX to correct this matter and delete off of my credit report asap
07/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MI 48127	Web	Servicemember
I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. My credit report was hacked & been userd and abused by someone else other than me because I have been XXXX
12/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77545	Web
15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer report plan as late for purpose.
09/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 219XX	Web
I made two payments to Self Financial/XXXX XXXX on XX/XX/2020 and XX/XX/2020 to pay off my loan, but my account is still being reported to XXXX as open and delinquent. This same account is properly reported to XXXX and XXXX as paid in full and closed, but for some reason they are refusing to report that information to XXXX.
08/05/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	IL 61604	Web
This account was closed ( Account # XXXX ) by this company more than 30 days ago and I have not received my payout. I have tried contacting by phone several times and it prompts an automated message then disconnects. I have also submitted two contact inquiries for support and no one ever responds at all. Where is my money?!?!
07/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60649	Web
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
12/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32839	Web
15 USC 1681 Section 602 States I Have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer report furnish a account without my written instructions. 15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open-end consumer end credit plan as late for any purpose.
07/24/2022	No	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	AR XXXXX	Web
My purse was lost at the airport. I called Self credit card company to report my card lost. They reported the card lost and told me the card had been used so I filed a dispute. They refunded my money and about a month later they posted the charges back to my account. I'm not paying for something I never ordered nor received.
01/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 315XX	Web
Many times delays that are being reported on my credit report appear to be incorrect and or misleading. Please make sure to supply proof that this claimed account was in fact overdue and you have the important guidelines to be able to adequately learn more about your allegations. Date Opened : XX/XX/2020 Balance : {$690.00}
12/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NJ 07304	Web
In XX/XX/2019 XXXX added inquiries on my credit report per XXXX XXXX. These inquiries were not authorized in writing by me. These inquiries were disputed and unsuccessful removed by the credit bureaus. According to the FCRA, XXXX has violated my rights as a consumer And Im requesting legal action to remove these inquiries.
04/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 10550	Web	Servicemember
My billing cycle for this credit card end on the XXXX of each month. On XXXX XXXX, my statement closed with a balance of {$0.00}. However, it was reported on XX/XX/XXXX with a balance of {$250.00}. I think that its misleading and unfair to show one balance on the statement but reporting a different balance to the bureaus.
10/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 305XX	Web
i sent out disputes to the credit bureaus on XX/XX/2020 about account that are being reported on my credit that were not authorized by me. I lost my wallet a couple of years ago which contained my id and social i believe i have been a victim of identity theft. I have filed a police report also filed an ftc report as well.
11/16/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60431	Web
The consumer, who is a federally protected consumer, is here to dispute any purported claims that you are now listing as a consumer debt on the consumer 's credit report. In accordance with Section 809 of the Fair Debt Collection Practices Act ( 15 USC 1692g ), the Consumer is requesting confirmation from you ( FDCPA ).
09/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 445XX	Web
XX/XX/2021 {$26.00}, XX/XX/2021 {$26.00} on these dates I didnt pay an was charged a late fee. How when a finance charge is being collected under my rights have been violated under these statues 15 usc 1692d, 15 usc 1692e. Ive repeatedly told the company to remove the negative reporting from the consumer reporting agency
05/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33324	Web
Ive been using XXXX XXXX to rebuild my credit. I have an account with a company that is paid monthly sometimes I paid more than usual monthly, therefore, late payments should never be reported to the credit bureau. Were currently in XXXX I have {$400.00} more than the amount Im supposed to. My contract end XXXX XXXX
06/05/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Received unsolicited financial product or insurance offers after opting out	FL 33150	Web
Pursuant to 15 U.S. Code 1666b - Timing of payments, I, XXXX XXXX, federally protected consumer, am aware Self Lender is in violation. I am demanding Self Lender to update my account with no late payments, no negative information reporting to consumer reporting agencies on my behalf and demanding all positive reporting.
12/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 08081	Web
Hello, I signed up for Self in XXXX and cancelled im XX/XX/2021 payments were always on time never past due and I close my account per my request and got a refund and on my credit report it shows derogatory and I never missed a payment and was never late. This is false credit reporting. If this isnt fixed I will sue!!
05/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92115	Web
Self lender reported my account delinquent during COVID-19 shut down leading to my XXXX XXXX loan being denied for credit. My score was decreased by 46 points. I called to request a good faith delinquent removal and they refused. My situation was explained in detail, I had no history of late payments prior to COVID-19.
12/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MD 20744	Web
I recently emailed the company regarding the late payments on my credit report and have yet to receive a status and or update of the results for the removal of the late payments being reported to my account. All payments on my account are current and up to date, and I would love to receive a resolution to this matter.
05/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	LA 704XX	Web
Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4 Self Inc will not delete inaccurate information please have them removed it effectively immediately thanks.
09/04/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	TX 77045	Web
Self Lender is reporting on my credit as a charge off for a credit card as well as an installment that I was paying into. I got behind on both as a result of the COVID-19 hardship, I explained the situation to Self & they decided to close both accounts as well as keep the money that I paid into the installment loan.
12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19139	Web
15 USC 1681 section 602 states I have to right to privacy. 15 USC 1681 Section A-states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 152
06/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33897	Web
To Whom It May Concern : I am writing to dispute the inaccuracies that have been reported on my credit report by your agency. I have recently reviewed my credit report from XXXX, XXXX, and XXXX and have noted following discrepancies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
09/10/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WI 53224	Web
Self reports late payments on mr credit report but with another person social security number. I called so they can remove the information off my credit report since its not me they told me no. I gave them my information and they verified it doesnt match the account information, so why put it on my credit account
10/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 752XX	Web
I am notifying Self Finance that there is inaccurate information that they are furnishing on my consumer report. My utilization for my credit report is a transaction and an experience thats being furnished onto my report which is not supposed to be on there. Please see letter attachment for full complete letter.
03/15/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	PA 19007	Web
Hi I took out a secured loan with my own money in XXXX to build my credit I paid off the balance this money my money hasnt been returned I email customer service multiple times I submitted the proper documentation no one is not responding I need my payout thru also lied and said my payout will be XX/XX/XXXX XXXX
12/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 43219	Web
Looking over my credit report I noticed there was a late payment showing and due to the pandemic/hardship I was not able to make those payments on time. The following account that shows late payment for 1XX/XX/2020 XX/XX/2020 XXXX XXXX SELF LENDER # XXXX. Due to the Pandemic shutdown I was effected financially.
11/30/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	PA 19143	Web
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2021 and 60 days late as of XX/XX/2021 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
05/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60620	Web
I emailed self inc about paying my credit card to XXXX balance last month. I reach out to the company three times why they have not reported anything to credit report. They never gave me direct answer. And I showed them proof and they still have not reported nothing since XXXX of 2021. It is now XXXX of 2021.
10/05/2023	Yes	Credit card General-purpose credit card or charge card	Closing your account Company closed your account	OH 43026	Web
I called the XXXX XXXX XXXX XXXX to ask why I was being charged XXXX and XXXX when I have gotten my credit as of yet. They said they had closed the account and were charging me the XXXX fee for the card and an additional amount of XXXX. I also asked them to remove any negative remarks about my credit bureau
05/26/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	PA 19335	Web
I was shocked when reviewing my credit report and found a late payment on the date below : 30 day late as of XX/XX/2021 and 60 days late as of XX/XX/2021 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
04/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 190XX	Web
I noticed an Installment loan from XXXX with a {$0.00} balance on my credit report. I did not authorize this loan nor do I know who initiated this loan. I also discovered 2 XXXX XXXX XXXX XXXX accounts on my reports that was not authorized by me as well. I have been a victim of Identity theft numerous times.
11/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Unexpected or other fees	AZ 85017	Web
I have been putting money in a self lender installment account for the past sixteen months I wished to close my account and the amount for payout is XXXX dollars they are only allowing me to get XXXX dollars back because they say it is going towards their closed credit card I never agreed or authorized this.
10/10/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30058	Web
I wrote a letter to XXXX over 90 days ago and I still have not received an response from them regarding a debt they have added to my credit report. So my problem is I didn't receive notice of right to dispute and when I contacted them they never responded to verify the debt when I asked for it back in XXXX.
09/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89148	Web	Servicemember
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. In requesting documentation none was provided. Due to identity theft this should be removed.
06/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30019	Web
The self credit card are emailing to make a payment when they had closed the account and sent a check back to me, They email me to pay a balance of XXXX. XXXX closed the account and i ask to opt-out and now its effecting my credit. the limited was a XXXX dollars charging late fee 's which are transaction
01/09/2022	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77583	Web
i was a victim of identity theft and was currently XXXX at the time the account was opened i have identity theft affidavit and my ftc report and my jail release form to confirm it so im demanding this item to be removed off my credit report or else i will file a lawsuit because this is complete nonsense.
01/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 12047	Web
Every XXXX of the month I pay my self credit card balance off and self lender is reporting the wrong amount balance and its ruining my credit score they also reporting wrong information, I contacted them several times over and over to fix it and look into the error but they havent done anything about it
10/18/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 191XX	Web
The XXXX and XXXX Credit Bureau is reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
08/15/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	MN 55343	Web	Servicemember
The following transactions listed on my Self Credit Card Account # : XXXX is unauthorized and unrecognizable charges : XXXX, XX/XX/2023, XXXX, XX/XX/2023, {$10.00}, XXXX XXXX XXXX, XX/XX/2023, {$10.00}, XXXX XXXX XXXX, XX/XX/2023, {$36.00}, XXXX XXXX, XX/XX/2023, {$25.00} and XXXX, XX/XX/2023, {$45.00}
11/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75094	Web
A fraudulent account is reporting on my XXXX credit file from Self Lender/XXXX XXXX XXXX. I have been a victim of identity theft in the past and I have not had a business relationship with this creditor. I have attached a current police report filed with the XXXX TX Police Department & ID Theft Report.
07/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 07307	Web
SELF FINANCIAL/XXXX XXXX REPORTING MY SECURED CREDIT CARD SINCE XX/XX/2021 AS OPEN WITH A XXXX BALANCE ... .. THIS IS INCORRECT.. IT IS A CLOSED ACCOUNT WIITH A XXXX BALANCE I HAVE REQUESTED BOTH SELF FINANCIAL/XXXX XXXX & XXXX TO CORRECT 4 DIFFERENT TIMES AS OF XX/XX/2021. IT HAS NOT BEEN FIXED
06/25/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NY 11365	Web
Very bad company after sending them proof of a receipt after they requested they still wont remove the fraud charge after showing them I paid by check to the technician directly who care to My home instead of the company so I was double charged how is this fair they reverse their credit and wont help
07/26/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	FL 32606	Web	Servicemember
Self lender is reporting late payments to my credit report even though the account has already been closed and paid in full. They have made errors in the past resulting in multiple accounts being reported to my credit report. They keep sending me emails trying to collect on debt that i do not owe.
12/25/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 76006	Web	Servicemember
Signed up for services, enrolled in autopay the following month. Auto pay was set by rep and was set after due date. I called them several times to confirm no fees were accruing and they assured me that there was nit. Upon the end of the loan term I learned I was being billed monthly for the loan.
01/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	KY 423XX	Web
In accordance with the Fair Credit Reporting Act, SelfXXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
11/18/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	GA 303XX	Web
I have made several attempts to have Self lending submit the agreement with a signature to me and they have failed to do so. All correspondence has been between XXXX and XX/XX/XXXX. Unless they can send the documentation with my signature, I would like the report removed from my file immediately.
03/05/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	FL 32250	Web
I recieved an email on XXXX stating that my card is now frozen, and submit my drivers license and 2 debit cards showing that they belong to me. I did and i was told i have to wait for some to review it and release my funds.. how is it legal?? all i did is pay off my credit cards from tax return?
11/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 782XX	Web
The below companys have reported my account as past due for 60 days when payments had been done timely, credit one has reversed one and acknowledge it was their mistake but have failed to remove second one while self inc has not done anything to address this matter. XXXX XXXX XXXX Self inc
01/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	KY 423XX	Web
In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
05/19/2022	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 33150	Web
As of XX/XX/2019 my credit report was open and then it was reported on XX/XX/2019 without my consent I did not give any permissble prior to the law of 15 usc 1692g I DEMAND and DISPUTE validation or any debts or any portion thereof, the debt will be assumed to be valid by the debt collector.
07/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 303XX	Web
The company self reported a late payment to my report violation of my rights Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''. 15 U.S.C. 1681 section 602 says " I have the right to Privacy
04/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37042	Web
In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions
12/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77433	Web
15 U.S. CODE {$1600.00} CORRECTION OF BILLING ERRORS 15 U.S. CODE 1681B PERMISSIBLE PURPOSE OF CONSUMER REPORTS According to these 2 codes there should not be any late payment reported on my credit file I am demanding my credit file be updated with the proper account status of up to date
01/27/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	OH 43068	Web
I closed my accounts with this XXXX and XXXX XXXX XXXX and the company has not refunded my money back into my bank account as stated. Close to {$4000.00} Theyre now ignoring my emails. The Company is : XXXX XXXX XXXX and their address is : XXXX XXXX XXXX XXXX XXXX. XXXX, Georgia XXXX
08/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Unexpected or other fees	NC 28213	Web
Closed my accounts in XX/XX/2023. This account at SELF was intended to help improve my credit. After years of no success, i closed this account. Unfortunately, this company continues to send me interest fees and late charges. I asked them to remove all charges due to my account closure.
11/23/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 144XX	Web
In accordance with the fair credit Reporting act This account has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
09/20/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33127	Web
XXXX SELF LENDER XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX Has been sending me collection notices in the about The collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature
06/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI XXXXX	Web
Self is now in violation of copyright infringement laws by misusing my copyrighted commercial property which is my name. I have owned all rights of my intellectual property known as XXXX XXXX XXXX XXXX XXXX since XX/XX/. Self does not have my permission to use my name in ANY capacity.
03/25/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	CA 91761	Web
I have fallen victim of identity theft as a result of the XX/XX/XXXX XXXX breach. This has taken a toll on my mental health and has affected the quality of my life. Please remove fraudulent accounts. XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO. XXXX. Opened account on XX/XX/XXXX.
06/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	IL 60619	Web
XX/XX/2021 on the XXXX I paid my XXXX $ bill 2 days before the due date. It has still not reported to my credit score like the first payment. They reported my first payment in in XXXX and added it quickly to my credit report. Im not sure if I want to pay the XXXX $ pay on the XXXX.
06/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 19140	Web
SBNASELFLNDR has submitted False Documentation stating the Account is Negative since XX/XX/, but the account is closed and it is hindering my credit score do to the false information being updated i spoke with a few ppl but i can never get anyone to remove it off my credit report
03/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NJ 07201	Web
I did a dispute with self lead bank on XXXX XXXXXXXX and both credit bureaus took more than 30 days to respond. I started the dispute in XXXX and I havent gotten to respond in the mail ever since. They had 30 days to verify and they couldnt verify it so by law it must be deleted.
04/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 92627	Web
Sent numerous notarized interventions to this creditor on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they have yet to respond to this erroneous account with any validation and/ or removal of account. Filling a XXXX complaint against this creditor as well.
02/09/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	VA 23188	Web	Servicemember
I paid my balance in full using my debit card on XX/XX/2021. The transaction appears on my bank statement as completed but there is no record on the creditors end as receiving it as of XX/XX/2021. They have reported the account 30 days late to all three credit reporting agencies.
03/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90504	Web
The Status of this account is Showing Paid or Paying as agreed but it also show 2Late payments that should not be reflecting on my Credit Profile and I am Hereby Demanding Deletion to the Invalid information Showing on My XXXX, XXXX file Pursuant to My Fair Credit Reporting Act.
08/06/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	GA 30045	Web	Servicemember
I have SELF LLC. Secure credit card which is reported negativity on my credit report as past due. I only am able to assess funds that I deposit a making it a secured credit card .no Credit was giving to me this is a credit builder account which states one can canceal at anytime
10/09/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77584	Web
Information never changes on none of the accounts disputed and comes back as verified when there are clearly errors on account status, late or missed payments not being updated to none and collection accounts not being verified for removal instead being reported as charged off.
12/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 719XX	Web
15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 604A section 2 : also state consumer rights furnish an account without my written permissions 15 USC 1666B a creditor may not treat a payment on a credit card an open end credit plan as late for any purpose
12/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30296	Web
I have a subscription with self lending. I have made all my payments on time however as of XX/XX/2021 its showing I missed a payment and that is false. i tried to contact them multiple times regrading the situation but Im having a very difficult time getting in touch with them
10/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28227	Web
Self XXXX builder is paid off. This account has been closed since XX/XX/20 as a one ( XXXX ) year contract. This account still remains on my credit report as revolving account, even though it is closed. I would like this account to be removed from my credit report immediately
09/29/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	TX 75070	Web
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2021 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
06/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89148	Web
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
06/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Problem with customer service	MI 48906	Web
I am trying to link my XXXX bank account to Self, a credit repair service because there is a fee if I use my debit card when making payments. If I link my bank directly, there is no service charge when making payments. Apparently, XXXX doesnt allow to link accounts like this.
08/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Unexpected or other fees	NY 10456	Web
I been emailing and reaching out to the company to cancel membership before it even starter. I also received and email from them confirming cancelation. And today I recieved an alert they decrease my credit score because they claim past due payment. The company name is Self.
06/13/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 71118	Web
Have reached out to the CEO of Self Financial Lender multiple times about deleting a late payment from my report. The payment history is not accurate, as the account was paid in full and closed. Have not yet received a response from CEO nor can I reach a live representative
08/24/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	PA 19134	Web
I started an account on self lender to pay into a secured loan with my own money. I stopped paying it because I no longer could afford it. They then reported this to my credit which is not affecting my credit usage especially because I was not giving any money or a loan.
07/26/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 12550	Web
XXXX XXXXAmount {$280.00} closed account.My report include accounts with a reported name that is different that mine .I dont recognize the accounts in question.The reports shows I owed money to an account that is not mine.The current status of my account is not correct.
09/04/2023	Yes	Credit card General-purpose credit card or charge card	Closing your account Can't close your account	MN 55343	Web	Servicemember
I want Self to immediately close my credit builder account and my Self Visa Credit Card Account : XXXX. The Self Credit Builder and Visa Credit Account is a fraudulent account and the result of identity theft. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
04/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 23324	Web
This account is currently reporting on my credit report, and I have not physically signed anything or applied for any type of credit with the merchant. I have previously requested an Investigation into this matter, and I have not gotten a resolution to the complaint.
03/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 19131	Web
i am demanding the following account to be deleted from my consumer report due to inaccurate reporting which has cause damage to my credit score the date opened the date last active does not match and that's a violation of the fair credit reporting act 15 usc 1681s-2
02/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33610	Web
Self reported to my credit that I was late on payments when in fact I wasnt I requested to cancel on multiple occasions but they denied my request to cancel after sending multiple emails and phones I need this removed from my credit I emailed them XX/XX/2020 XXXX
08/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AR XXXXX	Web
I have contacted the credit bureaus and self inc for months about this account showing up with a balance on my credit report when in fact I paid it and closed them in XXXX. I had a credit builder account and an credit card both of them were paid and closed by me.
06/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 31907	Web
XXXX/Self is reporting an incorrect status on my credit reports. The account is paid. The account balance is XXXX. However, the account status is being reported as 30 - 59 days past due although the account was paid off in XX/XX/2020. The account status is WRONG.
12/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 94555	Web
My computer was hacked and a self account was opened. Which changed my credit score by XXXX and I want this fixed. Self agreed to close account, and I manually completed dispute on the XXXX online. I WANT MY ACCOUNT TO REFLECT XXXX LIKE IT WAS BEFORE THIS FRAUD.
02/11/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77584	Web
This company has has this account listed as closed with days late reporting for 30 and 60 days plus worst rating listed as 60 days. This is inaccurate reporting because the account is listed as closed. I have disputed this account from XXXX without any results.
11/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92805	Web
I am reporting these accounts that should have been closed and still on my credit report reporting inaccurate information I am tired of my report looking bad due to fraudulent activity. Someone had my information and got a loan that still remains on my account.
09/14/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	IL 601XX	Web
I have 3 negative accounts on my credit that was open fraudulently. I would like to have them removed. I have sent several letters to these companies and disputed the transactions, and nothing has happened. SELFINC/LEAD, XXXX SBNASELFLNDR, XXXX XXXX XXXXXXXX
09/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35810	Web
I have reached out to Self company on numerous occasions to try to resolve this fraudulent account that has already been removed from XXXX XXXX Report. The account are violating multiple FCRA laws. Such as 15 USC 1681 ( b ), 15 USC 1681e ( b ) and 15 USC 1681.
04/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92553	Web
I contacted Self Lender to try to close my account due to identify theft preventing me from accessing my account. I filed a report with the FTC and submitted it to Self Lender. They still continue to report me delinquent harming my credit on a monthly basis
03/06/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	NV 89101	Web
I saw an advertise on XXXX about lending. I fill up the form i put all my information i didnt know it was scam. And now when i check my score on XXXX XXXX theres a personal loan that i didnt do it was XXXX . The company they use for is Self Financial Inc .
04/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL XXXXX	Web
back nXX/XX/XXXXn XXXX i had a hard time iam in florida and we had a real bad stome i file a complaint on dis same website asking for a good will adjustment and the company said they will update my report they did not so they i wnt all da accrs remove asap
05/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77099	Web
Self inc financial is reporting my account as late, paid off.. I made all my payments on time and need for the to update my account to paid off, paid on time, and need it to be updated on all three credit bureaus.. this has affected my credit tremendously
10/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77082	Web
Ive ask these companies to show proof that that accounts reporting on credit report belongs to me which they don not these accounts was open in my name without knowledge also there are XXXX accounts with self reporting on credit which dont belongs to me.
11/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MA 02130	Web
Self Inc misused my report and recently closed my account despite multiple attempts to dispute items years prior and now that I have financial strain due to XXXX family members they seem to have closed my account and negatively affected my credit report
12/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 283XX	Web
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
05/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 604XX	Web
After reviewing my consumer report, I have observed erroneous accounts and information that are unrelated to me. I did not provide authorization for any of this information to be included in my credit record, and it is significantly impacting my life.
04/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30126	Web
There are two accounts showing on my credit report that do not belong to me, self lender & XXXX XXXX. I contacted the companies and self said to put in a report and credit one said they are looking into it. There are also inquiries on my credit report
10/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75240	Web
This is a fraud account due to the fact that this company is reporting a Secured account and is charging for credit which is against 15 usc 1666 & 1692. I've tried handling this account with them but they are still reporting this fraudulent account.
11/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92805	Web	Servicemember
I am reporting all accounts on my credit report that are inaccurate I have no acknowledgment of these accounts I reported this several times and the credit companies still arent removing this off my of my report causing My credit score to be low.
08/17/2022	Yes	Money transfer, virtual currency, or money service Virtual currency	Money was not available when promised	FL 336XX	Web
This company was supposed to deposit to deposit my money a certain day and didnt then when I called they acted like they didnt know what was going on. Then later gave me a excuse why they didnt deposit my money on the day they told me they would.
03/09/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Didn't receive services that were advertised	RI 02907	Web
I checked my credit report and see that I have a balance on a loan for XXXX XXXX XXXX self lender and I called them and have never done business with them. I am not sure why I have this on my credit report. I have never done business with them.
07/21/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NC 282XX	Web
Someone has been perpetrating me and still my identity and applying for credit from major agencies, such as XXXX XXXX XXXX, Self Financial, XXXX XXXXt, and XXXX XXXX XXXX. I have been a victim of Fraud and need immediate assistance. Thank you
08/30/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33147	Web
( Sf/XXXX XXXX ) AT ( XXXX XXXX XXXX XXXX XXXX XXXX mo XXXX ) The collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature
08/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web
I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. 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.
09/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60517	Web
This is a newly opened account. Once opened, I immediately paid the loan down 50 %. However, the loan reported to my credit report without reflecting the payment and lower balance. The loan also does not report to XXXX. Only XXXX and XXXX.
07/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 023XX	Web
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. 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.
04/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 023XX	Web
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. 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.
04/09/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. 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.
03/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MA 02301	Web
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. 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.
03/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. 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.
03/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MA 02301	Web
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. 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.
02/26/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02780	Web
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. 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.
02/21/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02302	Web
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. 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.
01/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. 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.
01/20/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. 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.
01/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MA 02302	Web
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. 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.
09/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. 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.
08/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02780	Web
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. 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.
07/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	RI 02860	Web
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. 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.
11/25/2023	Yes	Debt collection Credit card debt	Electronic communications You told them to stop contacting you, but they keep trying	GA 30331	Web
I am not liable for alleged debt with self lender. I do not have a contract with the collection agency XXXX XXXX. Located XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX tx. XXXX. They did not provided me with the original contract that was requested
02/02/2022	Yes	Credit card or prepaid card General-purpose prepaid card	Advertising Confusing or misleading advertising about the card	IL 60629	Web	Servicemember
In XX/XX/2021 i asked for info on a late payment witch i clamed was never late. after finishing my tearms with them it was closed but a late payment is on my consumer reports hurting me from getting credit.in valation of my consumer rights.
11/24/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	FL 331XX	Web
I WAS SICK IN THE HOSPITAL WITH XXXX AND THEY REPORTED A LATE PAYMENT TO THE CREDIT BUREAUS ALL XXXX AND IT DROP ALL XXXX OF MY SCORES BAD I NEED THAT REMOVE I RECENTLY PAID OFF MOST OF THIS INSTALLMENT LOAN I NEED THE LATE PAYMENT REMOVED
04/28/2021	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble closing card	OH 45013	Web
This is a loan or a card I never had ownership of they had me with two cards I only had ownership of one and the account i had ia closed but the other one I do not have access to I need it taken care of and off my credit report ita not mine
03/02/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web
I see multiple XXXX days late marks which is a clear violation of my right under the FCRA. 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.
11/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 701XX	Web
On XXXXXX/XX/2023, XX/XX/2023, XX/XX/2023, SELF IS REPORTING LATE PAYMENTS ON MY REPORTS AND THAT ABSOULTELY INCORRECT ... SELF IS SET UP WITH AUTOMATICALLY DRAFT AND I HAVE MY BANK STATEMENTS TO PROVE I WAS NEVER LATE THIS ON THIS ACCOUNT
01/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MA 02301	Web
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. 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.
01/21/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. 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.
10/18/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MA 02301	Web
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. 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.
09/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02136	Web
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. 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.
09/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. 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.
08/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32137	Web	Servicemember
I first obtained this credit card in XX/XX/XXXX, I've never been late on any payments and currently hold a XXXX XXXX balance. In XX/XX/XXXX, I pulled my XXXX credit report and it showed 1 late payment for XX/XX/XXXX. That is incorrect.
05/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30518	Web
Self Lead Bank Shows derogatory on XXXX and XXXX as a repossession/foreclosure and Current on XXXX never late. I have spoken to the company and disputed and they verified it and said it was valid. However, the information is not correct.
12/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 36301	Web
Why is self lender reporting a closed account on my report that has been handled. Not only showing the account as open when it is not they are also reporting a incorrect balance. If the loan has been paid off since XX/XX/XXXX and closed
04/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77045	Web
This account is still showing open when its supposed to be a closed account. If Self is continuing to report this as inaccurate then it is my understanding that the tradeline is supposed to be removed from my credit report altogether.
09/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30318	Web
I had an account with SELF lender where I never missed a payment nor was I ever late. The account is now closed reflecting it to be CHARGED OFF/REPOSSESSED. This is inaccurate as I never missed a payment nor was I ever in collections.
12/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 36301	Web
Why is self lender reporting a closed account on my report that has been handled. Not only showing the account as open when it is not they are also reporting a incorrect balance. If the loan has been paid off since XX/XX/21 and closed
08/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48075	Web
I was late on a payment during covid ... as the world was in a pandemic and not working and being in a lock down I was unable to make a on time payment. you will see that my account was only late XX/XX/2020 self lender account # XXXX
01/05/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CT 060XX	Web
I have been unable to access my account for months. I have called and been told I will get a call from a supervisor, this never happens. I am unable to make any payments or access my account at all and have been unable to for months.
06/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 38109	Web
I signed up for Self-Lender, and they reported the account opened to the credit reporting agencies. Well I canceled the loan before the first payment. They closed it on my account but will not delete the account off my credit report.
10/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77049	Web
I made a payment in XXXX towards XXXX XXXX bill. Im unsure if they didnt receive the payment but it states in XXXX I had a late payment which is incorrect this was the only late payment I account. I always pay all my bills on time.
08/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 61107	Web
There is fraudulent activity appearing on my credit report. Address listed of " XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX '' should not be associated with me. Loan opened XX/XX/22 with Self/XXXX XXXX for {$520.00} is fraudulent.
08/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33407	Web
What have you done to my credit report??? Why there is late payment marked on it? I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it?
06/04/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MD 20744	Web
Hello, I am requesting that the 30 day lates reporting as of XX/XX/2020 to XX/XX/2020. My finical world was turned up side down when COVID-19 hit. I was not informed that my payments were late and payed them as soon as I could.
07/25/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19132	Web
Contacted this company several times regards to not authorizing such a loan as soon as I found it reported to my credit report they have been of no help even after so many documentation such as fraud affidavit and police report
07/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 291XX	Web
I originally had two accounts opened with self credit builder. One was a secured loan that I was paying into and eventually got a secured card. Everything is paid off and its still showing a negative items on my credit report
09/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48228	Web
I asked self to send me something stating my account has been closed. And also paid off and they did and I asked the credit bureaus all 3 XXXX XXXX, and XXXX to remove late payment off my credit and they have failed to do so
04/16/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	IL 60636	Web
Someone reopen this account twice in my name which cause me to have a late payment on my credit report I did not give anyone authorization to do any of this this is complete fraud and I shouldn't be hold accountable for it
03/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CA 92688	Web
t always have a loan {$720.00} including pass due, I try called many times ask. No response from that account information. And how I can get the help and update my credit scores? I need to do re-Financial for my home. Thx!
07/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	MO 640XX	Web
I applied for an account with self inc I was never able to access the dashboard to make payments I sent several emails to correct the issue with no response I also sat on hold with this company for hrs and never got help
01/17/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	GA 30310	Web
AN INDIVIDUAL OPENED A CREDIT CARD AND MADE SEVERAL INQUIRIES IN MY NAME USING MY SISTERS ADDRESS. THE PHYSICAL CARD WAS SENT THE CARD TO ANOTHER ADDRESS I AM NOT FAMILIAR WITH AT XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX.
01/04/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	AL 352XX	Web
On XX/XX/XXXX A Debt Validation Letter was sent. This is very harmful to my credit as I apply for my first home. On XX/XX/XXXX a letter was sent as of today XX/XX/XXXX this debt has not yet been proven to be owed by me.
07/23/2022	No	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	KS 66215	Web
I have tried to reach Self Inc numerous times in regards to closing my account, I can't get a hold of anyone via a call. I have messaged them time and time again and I don't get an answer except the automatic message.
06/24/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	VA 232XX	Web
Ive closed and cashed out this credit card and Im still being harassed and threatened causing me stress through emails.. under title 15 1692k Im eligible for compensation due to there violations upon me as a consumer
06/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	GA 30016	Web
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and there is no update very much over 30 days, no results nor feedback.
05/20/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	LA 707XX	Web
Self lender is closing my account after taking my money. I proved I was me after making two payments on the account they closed the account and kept my money saying it was suspicious activity wont give my money back
11/15/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	IL 60477	Web
There were multiple charges on my card which I disputed with the company and as of today the charges are still being presented. And i was told it can take up to 5 days at first but now I'm told something different.
10/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OK 741XX	Web
I am requesting XXXX substantiate late payments and upon updated report there is inaccurate info, therefore proves that no investigation in accordance to law was done. You can not have two consecutive 60 day late.
06/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 270XX	Web
I have not supplied proof under the doctrine of estoppel by silence, Englehardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
10/04/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	IL 60619	Web
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presun that no proof of the alleget debt, nor therefore any such debt, in fact therefor exists.
05/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MI 48187	Web
XXXX XXXX XXXX Reported On XX/XX/2023 Account Balance {$1500.00} This lender or creditor reported that your payment was 30, 60, 90 or more days late. XXXX XXXX Reported On XX/XX/2023 Account Balance {$300.00}
07/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Problem with customer service	TX 77077	Web
I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of alleged debt nor therefore any such debt, in fact therefore exist.
08/20/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	MI 48235	Web
on XX/XX/2019 some one took out a loan for {$1000.00} in my name that i know nothing about. i called the company and told them about the loan but it still shown up on my credit report i would like it removed.
07/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 71107	Web
I was checking my credit. while logging into my account i discovered XXXX accounts that i did not open XXXX XXXX opened XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXXk XXXX XXXX XX/XX/XXXX
05/24/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	GA 30117	Web
Somebody open a fraudently account In my name causing me XXXX XXXX unable to get a credit card or anything they dont pick up phone they hung up in my face. It has cost scrutiny and massive finically problems.
01/28/2022	No	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	IL 60628	Web
Self financial inc . secured trade line account was paid in full And should be removed Due to COVID min secured payments could not be met due to hardship. I will be seeking legal action against this company.
03/27/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 75216	Web
Tried to contact credit bureaus to resolve and dispute item that was not mine, but I have had no luck. I also tried to get the addresses removed that do not belong to me and they have refused to remove them.
01/02/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	NJ 07675	Web
My card has been showing as inactive for over three weeks. On multiple occasions when the company is contacted, I'm told they are aware of the problem and working on it. no other solution or option is given.
11/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web
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.
03/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02072	Web
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.
01/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02302	Web
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.
12/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web
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.
12/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02136	Web
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.
12/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02302	Web
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.
12/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33063	Web
Self Lender/Financial is reporting a late payment on my account. The payment was not made after the 30th day. The payment was for my XX/XX/2018. I spoke with them however, they refused to update my account.
11/21/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 02301	Web
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.
11/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 023XX	Web
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.
07/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30296	Web	Older American
On XX/XX/2023 at XXXX eastern time, I obtained my most recent credit report from all ( XXXX ) credit bureaus whereas this account appears that I have no knowledge when or where this account was originated.
06/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TN 381XX	Web	Servicemember
Account is reporting as late but the account is paid off with a {$0.00} balance. The creditor says they can not update information and the bureaus have not sent information on how this account was verified
04/11/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	PA 19121	Web
XXXX XXXX XXXX XXXX, Acct. # XXXX allowed someone to use my identity to open up an account. It has damaged my credit, and ruining my life. They refused to delete account from all 3 major credit bureaus.
02/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 11226	Web	Servicemember
My self credit card has been reporting my balance incorrectly and I've paid it off on time each month. I've reached out to self and the credit bureaus and disputed the issue and nothing has been corrected
12/14/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Personal information incorrect	NY 115XX	Web
This company has reported the wrong social security on my file so it was not updating asked them to closed account & remove from my credit report. File was open in XXXX of 2020 for the amount of {$530.00}
02/23/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33142	Web
I CALLED AND LET THE CREDITORS KNOW I WAS SICK AND COULD NOT MAKE PAYMENTS, HOWEVER THE ACCOUNT IS CLOSED BUT THE LATE PAYMENTS IS AFFECTING MY PYMENT HISTORY PLEASE TELL CREITOR TO REMOVE LATE PAYMENTS
08/21/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	SC 29681	Web
This is a written demand to ceo XXXX XXXX that as a consumer and the original creditor I am exercising my right of rescission. I rescind all signatures, endorsements, securities, and consents there of.
09/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	IL 60440	Web
On XX/XX/2021 An account was opened for an unknown amount for self credit without my acknowledgment and I filed a police report and would just like it off my credit please. Closed date is XX/XX/2021.
03/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92301	Web
Account was open in my name that I do not have any knowledge of I try to contact the company with the phone number that's listed and you are not able to speak to no one this is a fraudulent account.
10/16/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33169	Web
XXXX XXXX XXXX stated that payment was late 30 - 59 days late and that is false. I am current I talked to manager XXXX and he stated they will fix the issue. Months later I still see missed payment.
10/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	PA 19115	Web	Older American
Traying to fix my credit score, i did send to self.com financial co the monthly fee {$49.00} for 4 month.After " Self co '' did stop the service and refuse to return taking money back to my account.
09/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MA 020XX	Web
My debt was sold to a third party and it does not show as paid. It is supposed to be shown as paid for less or paid since it was already paid when the debt was sold. Accounts- self, XXXX XXXXXXXX
05/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 35405	Web
I have reached out multiple times trying to get the late payments on my account corrected this account is showing a late payment of 30 days which is inaccurate and by Law illegally being reported
11/03/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 604XX	Web
This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized used of my credit report.
06/13/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CO 802XX	Web
I closed my Self account like almost two years ago and the guy told me it was closed XXXX of XXXX & I dont see how now they got a delinquency of payment for a month of when I canceled the card.
08/25/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	MS 389XX	Web
XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX According to my records, I have paid in full along with on time payments. I would like for you all to remove this from my credit report.
03/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91761	Web
I have fallen victim of identity theft as a result of the 2017 XXXX breach. This has taken a toll on my mental health and has affected the quality of my life. Please remove fraudulent accounts.
10/12/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	AZ 85719	Web
SELF LENDER INC CLOSED MY ACCOUNT FOR NO VALID LAWFUL REASON WITHOUT ANY NOTICE OR MY CONSENT - WHILE HOLDING ON TO MY DEPOSIT AFTER 1 YEAR OF USE - THEY HAVE BEEN NON RESPONSIVE TO MY EMAILS.
07/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30342	Web	Servicemember
This was a loan from XXXX XXXX XXXX. I paid the loan off on XXXX XXXX. It seems that XXXX of my credit reports are being updated monthly. But XXXX I believe XXXX is not being updated at all.
06/15/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NC 28216	Web
Im the general executor and trustee of the XXXX XXXX XXXX XXXX estate/Trust I am taking the time to correct the record pursuant to 15 U.S. Code 1681 A & B Im requesting you send me the 1099-C
09/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30341	Web
Self Financial has been committing violations against me and my consumer report without sending me a statement 21 days prior to communicating with any third parties about my consumer report.
07/19/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	MA 02130	Web
They have continually charged me extra interest apart from fees about having insufficient funds but charging me twice plus a few times of {$15.00} plus interest for payments they received.
09/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77090	Web	Servicemember
The address they have listed for account is a state office in XXXX I do not reside in XXXX they did not provide audit trail or debt validation and inaccuracies reported on consumer report
08/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60426	Web
I've recently checked my credit report and noticed that its accounts on my report that aren't mines and I'm overall new to credit and want a fresh start since these accounts aren't mines.
08/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL XXXXX	Web
i all ready file a case with u guys about dis 3 mths ago and i had 3 accts and u said u will update them but u only update 1 and not 3 plz fix are update before we go to court and i sue u
04/19/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	WI 54601	Web
Self financial inc/LEA XX/XX/2021 {$110.00} I called company to try and get them to understand that I dont owe them any money they told me they will look into it and never got back to me
11/15/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28226	Web
I've reached out to these companies letting them know this is a violation of FCRA which ensures the accuracy and fairness and privacy of the information in consumer credit bureau files.
07/29/2022	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Managing, opening, or closing your mobile wallet account	TX 75149	Web
I closed my account on XX/XX/XXXX and I was told that I would receive my deposit on XX/XX/XXXX within 1-2 day. That never happened. The company is giving me the runaround about my money
02/04/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	GA 30345	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, i usually pay my bills when i receive my statements in the mail, i never received a statement for this account with my update bill
08/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33324	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$720.00} never had a account with this lender XXXX XXXX XX/XX/XXXX victim of fraud never open this account
05/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IA 50401	Web
I have three different self lender reports showing on my report. But there is one from XXXX i have no idea about and its reporting i was late to one bureau and nothing to the others
06/05/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	AL 368XX	Web
i had a self inc credit builer account when i was close to payout like 2 weeks they closed my account and put my deposit on hold its been 45days no reponce will not refund my money
02/02/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Filed for bankruptcy	MS 39213	Web
I filed bankruptcy, Self INC closed out my account even I was paying it on time. I never missed a payment or late. I ask them to removed this and it still showing it still on there
01/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60644	Web
I called the company to report this and they told me to file a police report I sent it to the credit bureaus only one have removed the account is XXXX It is still on XXXX and XXXX
07/26/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	NJ 080XX	Web
XXXX XXXX opened XX/XX/XXXX XXXX..account is not mine already filed for identify theft .. they told me it would be off my report in 60 days..its off my XXXX but not XXXX and XXXX.
10/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web
I see repetitive 30 days late marks on my report, I was never late on this account and I've tried many times to contact with the creditor but they never responded with my concern.
04/30/2022	No	Money transfer, virtual currency, or money service Debt settlement	Unexpected or other fees	NY 11233	Web
I have closed my account with Self Lenders and they are still charging me for my account and I dont owe when the account is closed they are affecting my credit history and status
12/06/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web
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.
10/17/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MA 02301	Web
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.
09/07/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02121	Web
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.
07/05/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web
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.
07/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web
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.
02/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web
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.
01/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web
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.
01/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MA 02302	Web
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.
11/23/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 02301	Web
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.
11/18/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 02302	Web
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.
11/01/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 02301	Web
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.
04/26/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	NY 11233	Web
I opened the account and made payments and when came time to close the account the lender is not excepting my identity verification even thought I sent the verification 10 times
02/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28262	Web
I have a self lender card paid the bill ontime self lender did'nt tell me it was a delay or issues they were having reporting to bureaus. My balance is showing the wrong amount.
12/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 023XX	Web
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.
04/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	UNITED STATES MINOR OUTLYING ISLANDS XXXXX	Web
The address currently reported is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX PLEASE CORRECT THE ADDRESS AS FOLLOWS : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX
04/09/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	CA 91402	Web
I have contacted self / lead bank regarding this issue. They responded to me basically saying it is what it is. I have the letter that I sent as well as the response email.
11/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30294	Web
I paid this loan with self off the way they reported the loan should had been paid in full instead they reported closed account. This caused my score to plummet 44 points.
01/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 89122	Web
I wrote a goodwill letter requesting late payments be removed also cares Act ( 15 U.S.C. 1681s 2 ( a ) ( 1 ) ( f ). ) to stop adverse credit reporting during XXXX crisis.
02/27/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	IA 507XX	Web	Servicemember
Self inc seems to be waiting for interest can be incrued before they take a payment ... it's been 5 business days plus 3 weekend days and my payment is still not posted.
10/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	NJ 07108	Web
I never had a self account I disputed it also spoke to people N the matter still there its holding me up from getting apartment cause so much bad reporting on my credit
12/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	CA 92115	Web
Ive made 2 reports that my account is being reported as bankruptcy discharge. This account was not discharged and is being negatively reported on my XXXX credit report.
12/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MA 02301	Web
This is really upsetting. My scores went down bigtime due to this inaccurate late report. If you will take a look at the report only 1 agency is reporting this as late.
11/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL XXXXX	Web	Servicemember
XXXX is reporting a self lender ( XXXX XXXX ) account late on my file which has never been paid late I've sent in the payment history and its still not being corrected
08/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WI 53209	Web
I was XXXX during the time of the opening of this account and I have contacted the creditor and they have not resolved this issue and its affecting my mortgage closing
08/23/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10459	Web
This is not my account. This account was never mine. This account is not my responsibility. This is both incorrect and offensive to me! Someone else owns this account.
06/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02302	Web
I review my report and I saw inaccurate 30 days late remarks on history only 1 bureau reporting this. I was never late on this account. SELFINC/XXXX XX/XX/2019 2019
04/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19148	Web
Self closed my account XXXX.bal was XXXXXXXX bal XXXX plus {$15.00} late charge for the next fours monthsXX/XX/XXXX report 90 days late 2 days later report 120 late.
06/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	CA 91307	Web
Loan taken out in my name and tons and tons of hard inquiries that I never made almost everything on my credit profile wasnt done by me my credit has been destroyed
02/08/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	CA 92101	Web
Self cancelled the loan. Self owes me {$27.00} for messing up my XXXX XXXX account. Self also needs to repay the {$500.00} it still already owes me. You have 1 day.
12/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	KY 402XX	Web
Incorrect info is being reported by the company. There are different days being reported to each credit bureau for the date that the account was originally opened.
04/22/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	CT 06040	Web
I have paid off the loan terms, and I have not received my remaining balance. I havent received any communication from Self lender in regards to where my money is.
04/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 32765	Web
I filed a dispute in regards to the incorrect items on my credit report. It has been well over thirty ( 30 ) days and I haven't received any investigation results.
11/28/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with cash advance	NC 27407	Web
I told them that loans are only cash in hand, and that i need my check mailed to me. I can not make payments toward a loan that i have not gotten any funds from.
04/25/2022	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30134	Web
XXXX XXXX XX/XX/XXXX {$130.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$560.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$170.00}
03/19/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Improper use of your report Reporting company used your report improperly	DC 20020	Web
I Am Not Liable For This Debt With Self/Lead And Do Not Have A Contract With ( SELF/LEAD ) They Did Not Provide Me With The Original Application As Requested.
06/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 34759	Web
I submitted a dispute in regards to the incorrect items on my credit report and it has been well over 30 days and have not received any investigation results.
12/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 94568	Web
i have filed a dispute in regards to incorrect items on my credit report and it has been well over 30 days and have yet to receive any investigation results.
04/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	VA 22901	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
03/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 43609	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
03/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NJ 08104	Web
i have filed a dispute in regards to the incorrect item on my credit report. its has been well over 30 days and i haven't received any investigation results.
08/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35215	Web
Company is in violation of 15 USC 1681 ( 2 ) ( a ) ( i ) and continues to intentionally cause negligence after company has been informed of such violations.
02/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75010	Web	Servicemember
accounts open fraud. contacted companies and credit reporting agencies and to no prevail. sent letters and proving my correct identity. filed police reports
05/31/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MA 02368	Web
I have Self Finanancial inc that i paif off the account is still in my credit. Try to dispute numerous time, asked for the original creditors, no respond.
10/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	MT 59701	Web
I have been making on time payments for bout 6 months now and still am unable to get a score, I have tried disputing incorrect info and still nothing ....
10/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 445XX	Web
XXXX XX/XX/XXXX, for self lender XXXX XXXXXXXX sine XXXX Ive contacted both several times telling them I wanted to exercise my 15 usc 1608 consumer rights
04/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	GA 30213	Web
After paying my Self account on the XXXX of last month ; XX/XX/XXXX Self Lender fails to update to the credit bureaus showing an updated score and report.
05/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AL 35405	Web
I filed a dispute in regard to the incorrect items on my credit report and it's been well over 30 days, and I haven't received any investigation results.
01/14/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77042	Web
I did not consent to, benefit from, nor authorize any of the following accounts : Self Financial Inc - Account # 's : XXXX, XXXX, XXXX, XXXX - {$1400.00}
06/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 605XX	Web
Under code 15 U.S.C 1681a ( 2 ) ( B ) asking for late payment to be removed from credit file for XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXXXXXX XXXX
07/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 60629	Web
i filed a fispute in regards to the incorrect items on my credit report it has been well over 30 days and i haven't received any investigation results.
05/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30033	Web
I contacted self about the fraudulent account and I was advised that the account would be removed form my credit report with 15 days almost a month ago
10/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 334XX	Web
Self Financial is improperly reporting negative items to my account, the account was a prepaid account in which I paid upfront and used fraudulently.
07/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	MD 20782	Web
I have a loan on my credit that I didn't take and is affecting my credit report. the are a lot of loans on my credit that is doesn't below me. FRAUD!
10/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28208	Web
Account Name SELF, INC Account Number XXXX Date Opened XX/XX/2020 Balance {$520.00} I never heard of Self, Inc and I never signed contract with them.
02/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 20735	Web	Servicemember
On XX/XX/2023 it shows a loan for {$720.00}, which did not come from me that lowered my credit that I am trying to establish. It showed me on XXXX.
11/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NJ 080XX	Web
I have filed a disputing regards to the incorrect items on my report. It has been well over 30 days & I havent received any investigation results.
09/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 12309	Web
XXXXSELFLENDER Requested the lender to validate information and my credit report still reflects invalid and different Information for each bureau
09/20/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 604XX	Web
XXXX/Lead Bank is violating my consumer rights by reporting inaccurate information to my consumer report without my consent, see attached exhibit
09/08/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30014	Web
On XX/XX/2021 my identity was compromised and used to obtain a loan with this company. I have no known knowledge of this account described above.
06/05/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	IL 60443	Web	Servicemember
I closed my account and the company has failed to return my security deposit. The have been giving me the run around and not sending me my money.
11/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WY 82009	Web	Servicemember
Self financial reported that I " missed a payment '' on XX/XX/XXXX. The balance on the account was paid off and the account closed on XX/XX/XXXX.
10/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	KY 42001	Web
15usc 1681 law requires you to validate this account with a signed contract. futhermour i did not agree to have my non public information shared
11/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02740	Web
I have been a victim of Identity theft. I have sent the appropriate documentation ; 605B, FTC, LICENSE, and PROOF OF ADDRESS without solution..
10/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90015	Web	Servicemember
Paid off loan early and reporting late payments for XXXX and XXXX Self just closed the account in XX/XX/XXXX when final payment was XX/XX/XXXX.
10/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19132	Web
I recently received a copy of my ( XXXX, XXXX, and XXXX ) consumer report, and I noticed that it is reporting my experience with this company.
07/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	MS 39759	Web
I paid for services on self and it really misled me and I didnt know it understand what I payed for and they wouldnt let me get my money back.
12/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IN 47630	Web
Creditor agreed to fix and update my 2 accounts with them after they were closed for months. I have been waiting 4 months for them to fix it.
08/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IN 464XX	Web
I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments.
02/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	SC 291XX	Web
Incorrect information was put on my credit report and I would like it removed immediately as it is affecting my scores and future outlook.
08/16/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MT 59801	Web
6 months ago i emailed self lend i needed to hold on a month before i deposited more into the savings. i then ran into the covid 19 issue.
04/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	AL 35126	Web
15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
02/11/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77584	Web
This is a closed account showing 30 days past due and a worst rating listed as 30 days. This is inaccurate reporting on a closed account.
08/22/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	TX 76051	Web
almost 2 years ago my wallet and cell phone was stolen and my self credit card was maxed out and im left with the debt and interests fees
02/23/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WI 53208	Web
I CHECKED MY CREDIT REPORT AND FOUND THAT IM A VICTIM OF IDENTITY THEFT. I CALLED THE COMPANIES AND THEY SAY I NEED TO FILE A COMPLAINT.
10/31/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	TX 79928	Web
This negative item does not meet XXXX reporting requirements. I have already paid whats due for this credit program. Delete immediately
12/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89119	Web
This account was for rent reporting. The rent was paid in a separate court settlement and I do not authorize this account on my report
02/17/2023	Yes	Checking or savings account Checking account	Closing an account Can't close your account	MN 55378	Web
Hi, I applied for self and now when I try to cancel my subscription they arent allowing me. Im still having charges go on my account.
09/05/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MS 397XX	Web
Card was paid off and there was no more activity, I asked the company to provide information and statements and they failed to do so.
09/02/2021	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	GA 30318	Web
I opened a savings account with SELF LENDER. The account has been closed for well over a month yet my funds have yet to be returned.
08/28/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NC 28328	Web
Hello i wanted to get the following inquiries deleted for i did not authorize these companies to run my credit which is fraudulent.
12/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 31322	Web
Self credit card was closed and paid off. Deposit was credited to account. They are charging me a late fee for a LATE FEE Balance.
01/22/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	GA 30294	Web
THESE ACCOUNTS DO NOT BELONG TO ME, PLEASE REMOVE THM FROM MY CREDIT REPORT. IT HAS BEEN OVER 60 DAYS AND THEY HAVE NOT RESPONSED.
08/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 125XX	Web
I had my phone stolen some time ago and its been longer than XXXX years with XXXX XXXX and I called them right after it happened
10/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33169	Web
I see I have late payments on my credit report which is unlawful under code 15u.s.c1681a ( 2 ) ( B ) and need them removed asap.
02/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07103	Web
there is a fraudulent account on my credit report and i will like it deleted immediately, find attached the FTC Report. Thanks
05/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 751XX	Web
Ive recently checked my credit report and I see there are accounts that Ive never opened and I need them removed IMMEDIATELY!
12/30/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	FL 33705	Web
I did not open an account i might have been hacked and i now have {$530.00} balance and now have 2 late payments on my report
11/04/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19124	Web
Stating that i owe a debt that is not mines I am the original creditor Violation of rights sold information to third party
02/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MO 631XX	Web
SBNASELFLNDR on my credit reports show a balance of {$420.00} but is is not XXXX and has not been updated since XX/XX/22.
03/24/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	VA 201XX	Web	Older American
I previously file a complaint and the company refunded PART of my money. I need to get back the FULL amount owed to me.
07/28/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	FL 334XX	Web
XX/XX/2022, self lending took XXXX off my XXXX XXXX card and that's how I found out that a account was opened in my name
11/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 366XX	Web
The account is closed and they are still sending emails and reporting negatively on my credit report without my consent
04/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 21215	Web
i was never late on the listed accounts and the creditor and credit bureaus keep adding late pays to my credit reports
07/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	CA XXXXX	Web
I have basically been paying for their services for almost six months and it has yet to show on not one credit agency
08/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Unexpected or other fees	IL 62521	Web
Hello I'm knew to the credit bureaus I'm still learning about it. I did apply do self visa but did not I was approved
10/21/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30294	Web
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.
10/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IN 46226	Web
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.
10/20/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IN 46226	Web
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.
05/11/2023	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Banking errors	NV 89107	Web
I had 3 different CDs that were mishandled and issued properly add wrongly added to my credit card and were closed..
02/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA XXXXX	Web
The account was closed and charged off but still adding late fee and interest to account and reporting late payment.
11/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 452XX	Web
My account is not reflecting the correct amount of payments and the balances are not treated as according to law.
02/16/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30294	Web
This account was fraudulent open in my name for the amount of {$120.00}. The date it was reported was XXXX XXXX
09/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33062	Web
Did not sign up for the service I am a victim of fraud and would like this account removed from my credit report
10/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28311	Web
They are reporting missed and or late payments This is inaccurate reporting and needs to be removed immediately
12/15/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	CA 902XX	Web
was issued a card from Self lender ( XXXX XXXX ) and never got notified a payment was due for a membership fee.
06/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30349	Web
There where some fraudulentl addresses accounts and inquiries reported to my credit report I need them removed
03/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 08638	Web
Do you have a contractual obligation with XXXX, XXXX, XXXX XXXX XXXX. Yes or No? If yes show me the contract.
07/25/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11412	Web
My car was broken into and my pocketbook that had my id credit card ss number and few other item was stolen
07/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 303XX	Web
I am a victim of identity theft and this info on my account is incorrect! Please remove these IMMEDIATELY
05/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 604XX	Web	Servicemember
I have multiple account that are fraudulent! Please investigate this. Self card, XXXX XXXX XXXX XXXX XXXX
04/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	ME 040XX	Web
There is an account on my report that is not mine. Someone opened it in my name The account is Self Bank?
04/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08332	Web
Someone has opened bank accounts that I didnt authorize. They both have over a {$700.00} balance on them.
03/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or misleading advertising or marketing	GA 30044	Web
I never opened an account with this company and they are reporting on my credit report as late payments.
09/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	AZ 85281	Web
I came across two inquiries and a open loan account i do not recognize. And was use without my knowledge
08/02/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	NC 28540	Web
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.
11/09/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Incorrect information on your report Account status incorrect	NJ 07093	Web
I called the company last week after I saw this in my account and assured me I don't have an account.
09/09/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90275	Web
account showing as negative, account was paid in full never late asked for update no response to date
11/17/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	OH 44137	Web
The XXXX credit bureaus do not have my permission to report anything and I have the right to privacy
07/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48075	Web
The company is reporting a late payment when I never was late and Violating my rights by reporting
08/26/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77038	Web
There has been damage caused in regard to my credit reputation. This has caused me economic strife
11/06/2023	Yes	Credit card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	MA 02130	Web
Company wont work with me on a secured card they charged me terrible amount of fees and interest.
11/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NE 687XX	Web
XXXX XXXX XXXX shows an installment loan in my credit bureau reports which I never applied for.
10/31/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 70360	Web
There were several accounts that are now closed that were open with my knowledge or permission.
02/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27587	Web
The payment history is inaccurate and the dates tagged as late were incorrect and unverifiable.
12/31/2022	Yes	Checking or savings account Other banking product or service	Incorrect information on your report Account status incorrect	FL 32839	Web
I am requesting assistance with Self Financial 's reporting on my XXXX, XXXX and XXXX profile.
09/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 37115	Web
Information incorrect and never received card. Was not able to log in due to fraud activity.
09/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	SC 29501	Web
I have account thats closed and ask them to remove them but they never removed the accounts.
04/07/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11368	Web
I CHECKED MY CREDIT REPORT AND THIS INSTALLMENT LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.
11/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	FL 33064	Web
late payment reported on XX/XX/2021. All payment was paid on time direct deposit was set up.
03/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 600XX	Web
please i call this company please i need help to remove this account for my credit report
08/27/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 36608	Web
accounts on autopay. dont know why it has a late payment .... account is paid up in full.
09/23/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	MI 483XX	Web
MY CREDIT REPORT IS STATING I MISSED 3 PAYMENTS ON XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX
05/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27407	Web
Private information shared without my consent or written permission. Harmful reporting.
12/31/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 90028	Web
SELF XXXX REPORTED ON XX/XX/2021 A 30 DAY PAST DUE PAYMENT ON CREDIT BUILDER ACCOUNT
12/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	OH 44106	Web
XXXX XXXX XXXX XXXX XXXX XXXX i called in to dispute these accounts off of my report
07/13/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	SC 29841	Web
Someone opened a loan with my SSN and information with a company Ive never heard of.
01/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 63136	Web
I opened a Self account in error. Payments were made on time before I closed it.
01/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 482XX	Web
This account has been closed and I would like it removed from my credit report.
04/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 45215	Web
My self account is closed I have paid the full amount XX/XX/XXXXXXXX XXXX
03/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60610	Web
The date it was reported as late XX/XX/2023 was incorrect and unverified.
09/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or missing disclosures	OH 445XX	Web
Reporting of negative information on my accounts an refuse to remove them
04/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 386XX	Web
Bad inquiries on my credit, late payments Credit none payments on credit
10/11/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	CT 06512	Web
PLEASE DELETE THIS ACCOUNT I HAVE NO LIABILITY AND THIS WAS UNAUTHORIZED
08/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 10453	Web
XXXX account still open .. action I took is I paid off the {$110.00}
04/08/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NE 681XX	Web
XXXX XXXX ( Self Lender ) will not remove late payment due to covid.
12/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38115	Web
I was an victim of this data breach delete this account immediately
12/05/2023	Yes	Credit card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	NY 11422	Web
Self is incorrectly reporting on all three of my credit reports.
11/11/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	NC 28562	Web
Credit card was stolen account was closed before I could dispute
02/16/2022	No	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	SC 29461	Web
The account is paid and closed but is still on my credit report
11/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08618	Web
This was not my account I'm just seeing it on my credit report
10/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 34972	Web
Information not correct for XX/XX/2022 it was pay as agreed
09/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	PA 19141	Web
XXXX is not my adress & I would like it removed immediately
02/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 70131	Web
Reporting late payments. No payments where late on the loan
08/22/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with customer service	NY 11365	Web
Very bad bank charging me interest when I have no balance
07/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 39157	Web
Self -XXXX - no mine, never used , never applied for .
09/20/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48213	Web
These accounts was fraudulently open identity theft
01/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27127	Web
account never late, company admitted fault in email
07/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94577	Web
I spoke with company confirmed fraud was the cause
12/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	CA 90043	Web	Servicemember
Paid for credit to be cleaned and credit is same
10/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MA 02301	Web
This account is already PAID with no balance.
07/13/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75227	Web
2022, filed fraud on the self lender account
02/19/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	NV 898XX	Web
XX/XX/XXXX XX/XX/XXXX no credit score fixed
11/09/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 436XX	Web
Identity theft use my credit unauthorized
09/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 36869	Web
Violation reporting on my consumer report
07/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Problem with customer service	NV 89104	Web
Late Payment Effecting my credit.
06/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MA 02126	Web
I was never late on this account.
06/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60628	Web
I am a victim of identity theft.
11/24/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30238	Web
XXXX XXXX XX/XX/2020 {$130.00}
04/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem with product or service terms changing	FL 33463	Web
I wasnt aware of the payments
05/27/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	FL 32828	Web
Never had late payment
02/13/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30274	Web

02/12/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19139	Web

02/12/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23608	Web

02/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30312	Web

02/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 44119	Web	Servicemember

02/10/2024	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	FL 32501	Web

02/10/2024	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 90712	Web

02/10/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	GA 30291	Web

02/09/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60478	Web

02/09/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 14615	Web

02/09/2024	Yes	Credit card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	IL 600XX	Web

02/08/2024	Yes	Credit card General-purpose credit card or charge card	Improper use of your report Reporting company used your report improperly	GA 30349	Web

02/08/2024	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32909	Phone

02/08/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 22310	Web

02/08/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Problem with personal statement of dispute	OH 43147	Web

02/07/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20850	Web

02/07/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77090	Web

02/07/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 62526	Web

02/07/2024	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Other problem	CA 95823	Web

02/07/2024	Yes	Credit card General-purpose credit card or charge card	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TN 37130	Web

02/07/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77545	Web

02/07/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29154	Web

02/07/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77008	Web

02/07/2024	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Banking errors	GA 30114	Web

02/06/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 761XX	Web	Older American

02/06/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85040	Web

02/06/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28214	Web

02/06/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 11221	Web

02/06/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	KY 40216	Web

02/06/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 43227	Web

02/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 722XX	Web

02/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85029	Web

02/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 72209	Web

02/05/2024	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Privacy issues	TX 77384	Web

02/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 23231	Web

02/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 45371	Web

02/03/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89005	Web

02/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28214	Web

02/02/2024	Yes	Credit card General-purpose credit card or charge card	Improper use of your report Reporting company used your report improperly	OH 43230	Web

02/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33142	Web

02/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23233	Web

02/02/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NY 11221	Web

02/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60452	Web

02/01/2024	Yes	Checking or savings account CD (Certificate of Deposit)	Incorrect information on your report Account status incorrect	IL 60647	Web

02/01/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30043	Web

02/01/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90813	Web

02/01/2024	Yes	Credit card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	TX 77546	Web

02/01/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 19464	Web

02/01/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	MI 483XX	Web

02/01/2024	Yes	Credit card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	NC 281XX	Web

01/31/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	CA 93551	Web

01/31/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 63137	Web

01/31/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 63135	Web

01/31/2024	Yes	Checking or savings account Other banking product or service	Managing an account Banking errors	OH 43147	Web

01/31/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60637	Web

01/31/2024	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CO 802XX	Web	Servicemember

01/30/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 45002	Web

01/30/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 10462	Web

01/30/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77423	Web

01/30/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77423	Web

01/29/2024	Yes	Credit card General-purpose credit card or charge card	Closing your account Can't close your account	AL 35216	Web	Older American

01/29/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33025	Web

01/29/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70812	Web

01/29/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70122	Web

01/29/2024	Yes	Credit card General-purpose credit card or charge card	Closing your account Company closed your account	MO 64012	Web

01/29/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70122	Web

01/29/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77423	Web

01/29/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70122	Web

01/28/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	PA 19134	Web

01/28/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 365XX	Web

01/28/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11354	Web

01/27/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77386	Web

01/27/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19064	Web

01/27/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	OH 44128	Web	Servicemember

01/26/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10040	Web

01/26/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 270XX	Web

01/26/2024	Yes	Credit card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	PA 18436	Web	Servicemember

01/26/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11236	Web	Older American

01/26/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60639	Web

01/26/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11433	Web

01/25/2024	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 76502	Web	Servicemember

01/25/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 751XX	Web

01/25/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 36869	Web

01/24/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48021	Web

01/24/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60163	Web

01/24/2024	Yes	Debt or credit management Credit repair services	Charged upfront or unexpected fees	IL 629XX	Web

01/24/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	NY 12550	Web

01/24/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	DC 20019	Web

01/24/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 77021	Web

01/24/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30906	Web

01/24/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23434	Web

01/23/2024	Yes	Credit card General-purpose credit card or charge card	Closing your account Can't close your account	VA 201XX	Web

01/23/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	TX 75165	Web

01/23/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	KY 40207	Web

01/22/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 08638	Web

01/22/2024	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	MI 48073	Web

01/22/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48224	Web

01/22/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KY 40245	Web

01/22/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 303XX	Web

01/22/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23222	Web

01/22/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 751XX	Web

01/22/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29574	Web

01/22/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30093	Web

01/21/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 62221	Web

01/20/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23230	Web

01/20/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36301	Web

01/20/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30013	Web

01/19/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28277	Web

01/19/2024	Yes	Credit card General-purpose credit card or charge card	Improper use of your report Reporting company used your report improperly	GA 30132	Web

01/19/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75570	Web	Servicemember

01/19/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28227	Web

01/19/2024	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Incorrect information on your report Account status incorrect	IN 46614	Web

01/18/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60649	Web

01/18/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37312	Web

01/18/2024	Yes	Debt or credit management Credit repair services	Didn't provide services promised	GA 303XX	Web

01/18/2024	Yes	Credit card General-purpose credit card or charge card	Improper use of your report Reporting company used your report improperly	AZ 85024	Web

01/18/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30252	Web

01/17/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38109	Web

01/17/2024	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Struggling to pay your loan	GA 30022	Web

01/17/2024	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Credit card company forcing arbitration	TX 76114	Web

01/17/2024	Yes	Credit card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	GA 30813	Web

01/17/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 190XX	Web	Servicemember

01/16/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37189	Web

01/16/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77494	Web

01/15/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 07501	Web

01/15/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75071	Web

01/15/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31903	Web

01/14/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CA XXXXX	Web

01/14/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30601	Web

01/13/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85040	Web

01/13/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	IL 60502	Web

01/13/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28227	Web

01/13/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 91601	Web

01/13/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 11207	Web

01/13/2024	Yes	Credit card General-purpose credit card or charge card	Fees or interest Problem with fees	GA 30281	Web

01/12/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA XXXXX	Web

01/12/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA XXXXX	Web

01/12/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19428	Web

01/12/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33162	Web

01/12/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70605	Phone

01/11/2024	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	GA 31050	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30345	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30253	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MN 554XX	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CO 80231	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11722	Web

01/11/2024	Yes	Credit card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	CO 80905	Web	Servicemember

01/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28262	Web

01/09/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76110	Web

01/09/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70051	Web

01/09/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60630	Web

01/09/2024	Yes	Checking or savings account CD (Certificate of Deposit)	Closing an account Company closed your account	SC 29410	Web

01/09/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60630	Web

01/09/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 70785	Web

01/09/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60630	Web

01/08/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33018	Web	Servicemember

01/08/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33334	Web

01/08/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90746	Web

01/08/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DC 20001	Web

01/07/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33056	Web

01/07/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91356	Web

01/07/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48205	Web	Older American

01/07/2024	Yes	Payday loan, title loan, personal loan, or advance loan Other advances of future income	Unexpected fees	FL 32068	Web

01/07/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33311	Web

01/07/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60426	Web

01/06/2024	Yes	Credit card General-purpose credit card or charge card	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77047	Web

01/06/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NV 89084	Web

01/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 39157	Web

01/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 38671	Web

01/05/2024	Yes	Credit card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	GA 31419	Web

01/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89141	Web

01/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91324	Web

01/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MN 55311	Web

01/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19121	Web

01/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20745	Web	Servicemember

01/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44128	Web	Servicemember

01/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77493	Web

01/03/2024	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	TN 378XX	Web

01/03/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60624	Web

01/03/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	DE 19701	Web

01/03/2024	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 604XX	Web	Servicemember

01/02/2024	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Privacy issues	CA 94124	Web

01/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	PA 19134	Web

01/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem with product or service terms changing	TX 75035	Web

01/02/2024	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	GA 30349	Web

01/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33844	Web

01/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76063	Web

01/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33844	Web

01/01/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33069	Web

01/01/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 14094	Web

12/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	DE 19805	Web

12/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	IN 46254	Web

12/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 64118	Web

12/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 190XX	Web	Servicemember

12/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95823	Web

12/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36117	Web

12/29/2023	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Problem with customer service	TX 76502	Web

12/29/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	SC 296XX	Web

12/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	PA 19333	Web

12/29/2023	Yes	Credit card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	NY 11226	Web

12/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX XXXXX	Web

12/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 24540	Web

12/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35094	Web

12/27/2023	Yes	Credit card General-purpose credit card or charge card	Closing your account Can't close your account	MD 21234	Web

12/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 387XX	Web

12/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 94124	Web

12/26/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	MI 48504	Web	Servicemember

12/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 22405	Web

12/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30328	Web

12/26/2023	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Other problem	FL XXXXX	Web

12/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 07960	Web

12/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OK 741XX	Web

12/24/2023	Yes	Credit card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	FL XXXXX	Web

12/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 43227	Web

12/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28216	Web

12/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 43228	Web

12/21/2023	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Problem with additional add-on products or services	LA 70507	Web

12/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21220	Web

12/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	DC 20003	Web

12/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 71854	Web

12/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 10463	Web

12/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60605	Web

12/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19144	Web

12/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60628	Web

12/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 11422	Web

12/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 43227	Web

12/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78653	Web

12/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	VA 23223	Web

12/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70051	Web

12/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75039	Web

12/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Was not notified of investigation status or results	CA 94603	Web

12/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 78704	Web

12/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33068	Web

12/19/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29412	Web

12/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	VA 23175	Web

12/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Was not notified of investigation status or results	OH 44105	Web

12/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VT 054XX	Web

12/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60623	Web

12/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30127	Web

12/18/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	HI 96786	Web

12/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 37013	Web

12/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NV 89084	Web

12/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76140	Web

12/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30043	Web

12/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 94578	Web

12/14/2023	Yes	Credit card General-purpose credit card or charge card	Problem when making payments Problem during payment process	GA 30291	Web

12/13/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 93534	Web

12/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NM 88240	Web

12/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48021	Web

12/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43613	Web

12/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77085	Web

12/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 10461	Web

12/12/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WA 99201	Web

12/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32501	Web

12/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 49002	Web

12/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19134	Web

12/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 36608	Web

12/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77084	Web

12/09/2023	Yes	Credit card General-purpose credit card or charge card	Incorrect information on your report Personal information incorrect	CA 90301	Web

12/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77079	Web

12/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 31404	Web

12/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	NY 109XX	Web

12/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19143	Web

12/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 13626	Phone

12/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29229	Web	Servicemember

12/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32258	Web

12/06/2023	Yes	Credit card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	CO 80108	Web

12/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90247	Web

12/05/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30126	Web

12/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 18704	Web

12/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Problem with personal statement of dispute	VA 23223	Web

12/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32501	Web

12/02/2023	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Problem with additional add-on products or services	GA 30281	Web

12/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31061	Web

12/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 34240	Web

12/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60651	Web

12/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 39339	Web

12/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	GA 31061	Web

11/30/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10543	Web

11/30/2023	Yes	Debt or credit management Credit repair services	Confusing or misleading advertising or marketing	WA 98499	Web

11/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30909	Web

11/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	FL 33614	Web

11/29/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem with the payoff process at the end of the loan	TX 78653	Web

11/28/2023	Yes	Credit card General-purpose credit card or charge card	Fees or interest Problem with fees	SC 29209	Web

11/28/2023	Yes	Checking or savings account Savings account	Problem caused by your funds being low Overdrafts and overdraft fees	XXXXX	Web

11/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WI 53206	Web

11/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WI 53206	Web

11/26/2023	Yes	Credit card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	FL 32780	Web

11/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78701	Web

11/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32218	Web

11/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30815	Web

11/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30815	Web

11/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 31905	Web	Servicemember

11/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30094	Web

11/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33573	Web

11/21/2023	Yes	Credit card General-purpose credit card or charge card	Improper use of your report Reporting company used your report improperly	IL 60636	Web

11/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30034	Web

11/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	WI 53144	Web

11/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 34207	Web

11/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 38671	Web

11/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33760	Web

11/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30906	Web

11/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31061	Web

11/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33023	Web

11/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 31206	Web

11/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29627	Web

11/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21113	Web

11/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30014	Web

11/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	NV 89142	Web

11/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90220	Web

11/15/2023	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Problem with additional add-on products or services	IL 60958	Web

11/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 61761	Web

11/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	CA 91950	Web

11/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32505	Web

11/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31903	Web

11/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76063	Web

11/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44108	Web

11/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32807	Web

11/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75078	Web

11/11/2023	Yes	Credit card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	WI 53216	Web

11/11/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 93534	Web

11/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76120	Web

11/10/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a company's investigation into an existing problem Was not notified of investigation status or results	TN 38118	Web

11/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33435	Web

11/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	DE 19801	Web

11/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33435	Web

11/07/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem when making payments	NC 28052	Web

11/07/2023	Yes	Credit card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	GA 30046	Web

11/06/2023	Yes	Credit card General-purpose credit card or charge card	Fees or interest Problem with fees	FL 33313	Web

11/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90044	Web

11/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 43147	Web

11/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	PA 19082	Web

11/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95449	Web

11/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34771	Web

11/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 11208	Web

11/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76120	Web

11/04/2023	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Other problem	LA 70815	Web

11/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MA 02149	Web

11/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MA 02149	Web

11/04/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	AL 36054	Web

11/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33880	Web

11/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 12601	Web

11/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60637	Web

11/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20613	Web

10/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95815	Web

10/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33444	Web

10/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32205	Web

10/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	NY 14626	Web

10/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89147	Web

10/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 94591	Web

10/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NM 88240	Web

10/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38016	Web

10/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38016	Web

10/24/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Incorrect information on your report Account status incorrect	SC 29210	Web

10/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 45215	Web

10/23/2023	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Incorrect information on your report Information is missing that should be on the report	IL 60085	Web

10/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92109	Web

10/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30144	Web

10/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60620	Web

10/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	DC 20001	Web

10/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 71080	Web

10/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	CO 80238	Web

10/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77304	Web

10/19/2023	Yes	Credit card General-purpose credit card or charge card	Closing your account Company closed your account	TX 75212	Web

10/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78628	Web

10/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33605	Web

10/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19150	Web

10/18/2023	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Incorrect information on your report Account status incorrect	IN 47905	Web

10/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30082	Web	Servicemember

10/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60438	Web

10/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90038	Web

10/16/2023	Yes	Debt or credit management Credit repair services	Charged upfront or unexpected fees	MI 48208	Phone	Older American

10/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 94303	Web

10/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 43229	Web

10/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33584	Web

10/15/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	AL 36426	Web

10/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75601	Web

10/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85138	Web

10/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30045	Web

10/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11207	Web

10/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35405	Web

10/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 11553	Web

10/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32641	Web

10/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07106	Web

10/11/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Improper use of your report Reporting company used your report improperly	CA 91205	Web

10/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	PA 19149	Web

10/10/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a company's investigation into an existing problem Was not notified of investigation status or results	CA 92109	Web

10/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29201	Web

10/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20724	Web

10/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 53217	Web

10/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CO 80917	Web

10/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77049	Web

10/07/2023	Yes	Checking or savings account Savings account	Problem with a lender or other company charging your account Money was taken from your account on the wrong day or for the wrong amount	MN 55421	Web

10/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 11233	Web

10/05/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	FL 33139	Web	Servicemember

10/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19013	Web

10/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92020	Web

10/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33777	Web

10/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MA 01841	Web

10/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30338	Web

10/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31903	Web

10/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07065	Web

10/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11565	Web

10/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 62901	Web

10/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	AL 36111	Web

10/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33176	Web	Servicemember

10/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48322	Web	Servicemember

10/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37040	Web

10/02/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MD 21218	Web

10/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 61761	Web

09/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33461	Web

09/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75240	Web

09/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29229	Web	Servicemember

09/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 15147	Web

09/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28078	Web

09/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33880	Web

09/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85395	Web

09/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32304	Web

09/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60637	Web

09/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77017	Web	Servicemember

09/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92395	Web

09/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30180	Web

09/25/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Incorrect information on your report Account status incorrect	FL 33712	Web

09/25/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Incorrect information on your report Information belongs to someone else	NJ 07055	Web

09/25/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Incorrect information on your report Account status incorrect	FL 33712	Web

09/25/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	OH 45502	Phone

09/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75212	Web

09/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27409	Web

09/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30043	Web

09/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19122	Web

09/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19143	Web

09/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19143	Web

09/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	IN 46324	Web

09/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Was not notified of investigation status or results	AL 35160	Web

09/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60423	Web

09/19/2023	Yes	Credit card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	TX 77054	Web

09/19/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NY 10458	Web

09/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33176	Web

09/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 17554	Web

09/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30114	Web

09/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 07065	Web

09/14/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78242	Web

09/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75150	Web

09/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33169	Web

09/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WI 53222	Web

09/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 71080	Web

09/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 20191	Web

09/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Was not notified of investigation status or results	MS 39046	Web

09/13/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TN 37421	Web

09/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	MN 55417	Web

09/13/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Incorrect information on your report Information is missing that should be on the report	TX 77598	Web

09/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30060	Web

09/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30060	Web

09/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NM 88240	Web

09/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77087	Web

09/10/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NY 11225	Web

09/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35242	Web

09/08/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	AZ 85339	Web

09/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19050	Web

09/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CO 80918	Web

09/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19141	Phone

09/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90038	Web

09/07/2023	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Incorrect information on your report Information belongs to someone else	TX 77045	Web

09/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 31088	Web

09/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77045	Web

09/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 39648	Web

09/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 34234	Web

09/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60637	Web

09/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MN 55306	Web

09/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31324	Web

09/02/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	IL 60545	Web

09/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 31088	Web

09/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 31088	Web

08/31/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31705	Web

08/31/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19139	Web

08/31/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75212	Web

08/31/2023	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Improper use of your report Reporting company used your report improperly	IL 60064	Web

08/29/2023	Yes	Credit card General-purpose credit card or charge card	Trouble using your card Credit card company won't increase or decrease your credit limit	NY 11365	Web

08/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35405	Web

08/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60617	Web

08/28/2023	Yes	Debt or credit management Credit repair services	Problem with customer service	MD 21804	Web

08/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30248	Web	Servicemember

08/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	KY 40212	Web

08/26/2023	Yes	Credit card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	OH 45214	Web

08/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	LA 70113	Web

08/26/2023	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Incorrect information on your report Account status incorrect	VA 23663	Web

08/24/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	GA 30331	Phone	Older American, Servicemember

08/23/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	OH 44105	Web

08/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 45205	Web

08/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43219	Web

08/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27589	Web

08/18/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	NY 12065	Web

08/18/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	IL 60088	Web

08/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	NC 28540	Web

08/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34237	Web

08/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	LA 710XX	Web

08/17/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	LA 70058	Web

08/17/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	OH 43605	Phone

08/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 10453	Web

08/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 14208	Web

08/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35023	Web	Servicemember

08/16/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	PA 19135	Web

08/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	UT 84103	Web

08/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 53209	Web

08/15/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	GA 30316	Web

08/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92563	Web

08/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28210	Web

08/13/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75482	Web

08/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35405	Web

08/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46118	Web

08/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30058	Web

08/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46118	Web

08/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NY 10034	Web

08/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33060	Web

08/08/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	OH 43056	Web

08/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48223	Web

08/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 62225	Web	Servicemember

08/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76705	Web

08/06/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	IL 60608	Web

08/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 17603	Web

08/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48235	Web

08/05/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	NY 11518	Web

08/05/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	AL 36618	Web

08/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 34488	Web

08/04/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76001	Web

08/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32578	Web

08/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 480XX	Web

08/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 15131	Web

08/03/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	OH 44146	Web

08/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 11953	Web

08/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30331	Web

08/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10456	Web

08/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29108	Web

07/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10456	Web

07/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76140	Web

07/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	FL 33162	Web

07/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37128	Web

07/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60623	Web

07/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78245	Web

07/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78245	Web

07/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78245	Web

07/27/2023	Yes	Checking or savings account Savings account	Closing an account Funds not received from closed account	GA 30036	Phone

07/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77096	Web

07/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 34741	Phone

07/26/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	MI 48375	Web

07/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11429	Web

07/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27537	Web

07/25/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	MA 01821	Phone

07/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36117	Web

07/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30338	Web

07/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or misleading advertising or marketing	TX 75220	Web

07/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33142	Web

07/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75605	Web

07/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	KS 67226	Web

07/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	KS 67226	Web

07/21/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	NH 03303	Web

07/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	WA 98512	Phone

07/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77584	Web

07/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94940	Web	Servicemember

07/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91367	Web

07/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 21213	Web

07/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21117	Web

07/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 43227	Web

07/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60617	Web

07/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30080	Web

07/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76017	Web

07/15/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	FL 33168	Web

07/14/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 15137	Web

07/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Problem with customer service	TX 78245	Web

07/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 23059	Web

07/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21117	Web

07/12/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	TX 75287	Web

07/12/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	TX 77070	Web	Older American

07/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32583	Web	Servicemember

07/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 34488	Web

07/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60619	Web

07/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OK 74136	Web

07/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 94124	Web

07/10/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 78257	Web

07/10/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	IL 60640	Web

07/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32209	Web

07/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30134	Web

07/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33415	Web

07/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75215	Web

07/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11412	Web

07/06/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	MD 21701	Phone

07/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	IL 60423	Web

07/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35555	Web

07/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	MS 39574	Phone

07/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33409	Web

07/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OK 74136	Web

06/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MI 48174	Web

06/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 08638	Web

06/29/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28205	Web

06/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	IL 61101	Phone

06/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19147	Web

06/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77044	Web

06/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Didn't receive services that were advertised	PA 19140	Web

06/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 08030	Web

06/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30248	Web

06/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27217	Web

06/23/2023	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	IL 60640	Web

06/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	TX 78741	Web

06/22/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	NV 89108	Web

06/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NC 28262	Web

06/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PR 00740	Web	Servicemember

06/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46324	Web

06/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Problem with customer service	OH 43211	Web

06/20/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NY 10465	Phone

06/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31312	Web

06/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95831	Web

06/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60651	Web

06/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60651	Web

06/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	KS 660XX	Web

06/18/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	OH 44110	Web

06/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 94806	Web

06/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89032	Web

06/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77065	Web

06/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30082	Web

06/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MS 39339	Web

06/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60469	Web

06/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 43227	Web

06/15/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	MA 02130	Web

06/15/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	KS 67530	Web

06/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30060	Web

06/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AK 99712	Web	Servicemember

06/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77008	Web

06/12/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	AL 36426	Web

06/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27405	Web

06/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75234	Web

06/09/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	PA 19151	Web

06/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OK 73134	Web

06/08/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	NV 89120	Web

06/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90008	Web

06/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30168	Web

06/07/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	DE 19805	Web

06/07/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	CA 92503	Web

06/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 23435	Web

06/05/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Credit limit changed	CA 95687	Web

06/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	CA 90035	Web

06/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90029	Web

06/04/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	TX 78666	Web

06/04/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	GA 30643	Web

06/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89142	Web

06/01/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	IN 46235	Phone

05/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or misleading advertising or marketing	AZ 85704	Web	Servicemember

05/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 70461	Web

05/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DC 20003	Web

05/30/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48235	Web

05/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 90504	Web

05/27/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	NY 10553	Web

05/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11727	Web

05/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WA 98502	Web

05/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77040	Web

05/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 33162	Web

05/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37209	Web

05/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33169	Web

05/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78752	Web

05/19/2023	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	AZ 85037	Web

05/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27215	Web

05/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20904	Web

05/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	TX 78245	Web

05/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30253	Web

05/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77040	Web

05/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34736	Web

05/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30318	Web

05/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 10801	Web

05/14/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NC 27610	Web

05/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or misleading advertising or marketing	NC 28105	Web	Servicemember

05/11/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77449	Web

05/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95823	Web

05/11/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CA 90065	Phone

05/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33181	Web

05/10/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	NY 11742	Web

05/09/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Improper use of your report Reporting company used your report improperly	GA 30281	Web

05/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 10473	Web

05/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30349	Web

05/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	TX 78257	Web

05/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MA 02131	Web

05/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 43615	Web

05/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 64130	Web

05/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WA 98042	Web

05/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30135	Web

05/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33324	Web

05/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30135	Web

05/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27713	Web

05/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30662	Web

05/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 63031	Web

05/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MO 63134	Web

05/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19139	Web

04/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95212	Web

04/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10456	Web

04/30/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	PA 19140	Web

04/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90016	Web

04/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NC 27610	Web

04/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 15003	Web