{"took":1277,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1511387,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3111573","_score":21.215717,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax had a data breach in XX/XX/XXXX in large part because it maintained consumers ' credit and personal information in a negligent manner. Initially, Equifax offered a free credit monitoring services called XXXX   XXXX. In the fall of XX/XX/XXXX, Equifax notified me that it was ending XXXX  and offering me a free alternative credit monitoring service called myEquifax. However, Equifax stated in the FAQs about this change that if anyone had a freeze on their Equifax credit file, that freeze would be unfrozen when XXXX  was ended. As one who has maintained a credit file freeze for the last 20 years, I was effectively forced to enroll in the free myEquifax program to restore the freeze on my credit file. Unfortunately, the myEquifax software did not and still does not work to restore the freeze on my Equifax credit file. In addition, the work-arounds Equifax offers to consumers when the software does not work also failed because the Equifax customer service staff members also can not get the software to work to re-freeze my Equifax credit file. Yes, Equifax customer service staff members talked to me on the phone and sent a special PIN through the mail, but myEquifax still does not enable me to re-freeze my Equifax credit file and the Equifax customer service staff also can not re-freeze it.","date_sent_to_company":"2018-12-28T14:17:40.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"17055","tags":"Older American","has_narrative":true,"complaint_id":"3111573","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-12-28T13:55:23.000Z","state":"PA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Initially, Equifax offered a free credit <em>monitoring</em> <em>services</em> called XXXX   XXXX. In the fall of XX/XX/XXXX, Equifax notified me that it was ending XXXX  and offering me a free alternative credit <em>monitoring</em> <em>service</em> called myEquifax. However, Equifax stated in the FAQs about this change that if anyone had a freeze on their Equifax credit file, that freeze would be unfrozen when XXXX  was ended."],"product":["Credit reporting, credit repair <em>services</em>, or other personal consumer reports"]},"sort":[21.215717,"3111573"]},{"_index":"complaint-public-v1","_id":"3122743","_score":21.14162,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax had a data breach in XX/XX/XXXX in large part because it maintained consumers ' credit and personal information in a negligent manner. Initially, Equifax offered a free credit monitoring services called XXXX   XXXX. In the fall of XX/XX/XXXX, Equifax notified me that it was ending XXXX and offering me a free alternative credit monitoring service called MyEquifax. However, Equifax stated in the FAQs about this change that if anyone had a freeze on their Equifax credit file, that freeze would be unfrozen when XXXX was ended. As one who has maintained a credit file freeze for the last 20 years, I was effectively forced to enroll in the free MyEquifax program to restore the freeze on my credit file. Unfortunately, the MyEquifax software did not and still does not work to restore the freeze on my Equifax credit file. In addition, the work-arounds Equifax offers to consumers when the software does not work also failed because the Equifax customer service staff members also can not get the software to work to re-freeze my Equifax credit file. Yes, Equifax customer service staff members talked to me on the phone and sent a special PIN through the mail, but that did not enable me to re-freeze my Equifax credit file and the Equifax customer service staff also could not and can not re-freeze it.","date_sent_to_company":"2019-01-11T23:42:01.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"17055","tags":"Older American","has_narrative":true,"complaint_id":"3122743","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-01-11T23:15:43.000Z","state":"PA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Initially, Equifax offered a free credit <em>monitoring</em> <em>services</em> called XXXX   XXXX. In the fall of XX/XX/XXXX, Equifax notified me that it was ending XXXX and offering me a free alternative credit <em>monitoring</em> <em>service</em> called MyEquifax. However, Equifax stated in the FAQs about this change that if anyone had a freeze on their Equifax credit file, that freeze would be unfrozen when XXXX was ended."],"product":["Credit reporting, credit repair <em>services</em>, or other personal consumer reports"]},"sort":[21.14162,"3122743"]},{"_index":"complaint-public-v1","_id":"7078766","_score":20.511787,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Today 's date is XX/XX/2023. Over the past week I have attempted several times to log in to my Chase credit card account to monitor activity and download statements to my personal accounting software. I have been presented with the requirement of agreeing to two different agreements in order to access my information. The first is the Online and XXXX XXXX XXXX and Consent Agreement. This establishes whether I'm willing to receive electronic communications as opposed to paper communication. I'm not especially happy with it but I would agree to it. The second agreement is the Digital Services Agreement, which is 128 pages of legal jargon that is apparently intended to obfuscate any issue while you sign away your rights to any paper documentation about any of your accounts. It also states that in order to use their services you must have a computer or other device capable of receiving electronic communications, a connection to the internet, and software capable of communicating with their system. They state clearly that regardless of which preferences you have indicated they may just decide to send any communications to you electronically. Apparently we no longer have a choice. It also says if you choose not to agree to the stated terms you will not be able to access your information on their digital platform. \n\nI have called customer service for Chase and been told that I must agree. When I demurred I was routed to the next level of customer service. I was then routed to the next level of customer service where the call was disconnected. I tried calling back and was told that they could not understand what I was saying. Unfortunately I do not have the resources to terminate my relation with Chase or I would do so immediately. \n\nIt is apparent that Chase does not expect anyone to actually read this agreement. They expect people to automatically agree to get access to their information. I do not agree. I will not agree. But there must be a way for me to get the information I need. Chase is not forthcoming with instructions to help me.","date_sent_to_company":"2023-06-06T21:25:52.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"243XX","tags":"Older American","has_narrative":true,"complaint_id":"7078766","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-06-06T20:46:11.000Z","state":"VA","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["The second agreement is the Digital <em>Services</em> Agreement, which is 128 pages of legal jargon that is apparently intended to obfuscate any issue while you sign away your rights to any paper documentation about any of your accounts. It also states that in order to use their <em>services</em> you must have a computer or other device capable of receiving electronic communications, a connection to the <em>internet</em>, and <em>software</em> capable of communicating with their system."],"company":["JPMORGAN CHASE <em>&</em> CO."]},"sort":[20.511787,"7078766"]},{"_index":"complaint-public-v1","_id":"3078607","_score":20.267387,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I recently information from a internet monitoring service fraudulent accounts was open, misspelling on my name and wrong addresses.","date_sent_to_company":"2018-11-19T23:55:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92596","tags":null,"has_narrative":true,"complaint_id":"3078607","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2018-11-19T22:36:19.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I recently information from a <em>internet</em> <em>monitoring</em> <em>service</em> fraudulent accounts was open, misspelling on my name and wrong addresses."],"product":["Credit reporting, credit repair <em>services</em>, or other personal consumer reports"],"company":["JPMORGAN CHASE <em>&</em> CO."]},"sort":[20.267387,"3078607"]},{"_index":"complaint-public-v1","_id":"3078618","_score":20.260647,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I recently information from a internet monitoring service fraudulent accounts was open, misspelling on my name and wrong addresses.","date_sent_to_company":"2018-11-19T23:55:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92596","tags":null,"has_narrative":true,"complaint_id":"3078618","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2018-11-19T23:55:11.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I recently information from a <em>internet</em> <em>monitoring</em> <em>service</em> fraudulent accounts was open, misspelling on my name and wrong addresses."],"product":["Credit reporting, credit repair <em>services</em>, or other personal consumer reports"]},"sort":[20.260647,"3078618"]},{"_index":"complaint-public-v1","_id":"3078617","_score":20.209435,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I recently information from a internet monitoring service fraudulent accounts was open, misspelling on my name and wrong addresses.","date_sent_to_company":"2018-11-19T23:55:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92596","tags":null,"has_narrative":true,"complaint_id":"3078617","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2018-11-19T23:55:11.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I recently information from a <em>internet</em> <em>monitoring</em> <em>service</em> fraudulent accounts was open, misspelling on my name and wrong addresses."],"product":["Credit reporting, credit repair <em>services</em>, or other personal consumer reports"]},"sort":[20.209435,"3078617"]},{"_index":"complaint-public-v1","_id":"4229339","_score":20.120651,"_source":{"product":"Checking or savings account","complaint_what_happened":"I have been unable to access my M & T bank checking account online all week. I have attempted access at least 20 times over multiple days this week. I sent an email to the bank earlier this week and the bank replied the next morning that the online access issues were resolved. That was inaccurate/false. I was still unable to log in as the site hung up at the 'account summary ' page and failed to load. Internet searches suggest to me that this is a widespread problem among many M & T customers, and not an issue specific to my hardware or software. I am able to log in without issue to all other financial sites. To add insult to injury, M & Ts phone lines are overwhelmed. There appears to be a significant issue with M & T 's web and mobile platform which warrants serious regulatory intervention.","date_sent_to_company":"2021-03-19T19:23:50.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"20152","tags":null,"has_narrative":true,"complaint_id":"4229339","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"M&T BANK CORPORATION","date_received":"2021-03-19T19:03:23.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["<em>Internet</em> searches suggest to me that this is a widespread problem among many M <em>&</em> T customers, and not an issue specific to my hardware or <em>software</em>. I am able to log in without issue to all other financial sites. To add insult to injury, M <em>&</em> Ts phone lines are overwhelmed. There appears to be a significant issue with M <em>&</em> T 's web and mobile platform which warrants serious regulatory intervention."]},"sort":[20.120651,"4229339"]},{"_index":"complaint-public-v1","_id":"23225781","_score":19.7786,"_source":{"product":"Credit card","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Via Fax : XXXX XXXX XXXX XXXX Cardmember Dispute Resolution Department RE : FORMAL CHARGEBACK DISPUTE, BREACH OF CONTRACT COMPLAINT, MISREPRESENTATION CLAIM, AND REQUEST FOR REVERSAL OF CHARGE Dispute Claim No. : XXXX XXXX XXXX  Card Ending : XXXX Transaction Date : XX/XX/year> Amount in Dispute : {$6000.00} Merchant : XXXX XXXX Algorithmic TO WHOM IT MAY CONCERN : I respectfully submit this formal dispute regarding the above-referenced transaction processed by XXXX XXXX Algorithmic and charged to my XXXX XXXX XXXX credit card account ending in XXXX. I respectfully request that XXXX XXXX XXXX conduct a complete reinvestigation of this transaction and reverse the disputed charge based upon breach of contract, failure to provide services as represented, material misrepresentations, failure to honor advertised refund guarantees, and violations of applicable federal consumer protection laws.\n\nFACTUAL BACKGROUND On or about XX/XX/year>, I purchased XXXX XXXX Algorithmic 's algorithmic trading software and related automated trading services after representations that the company would provide a professionally managed and supported algorithmic trading solution capable of delivering the functionality, performance, support, transparency, and operational oversight represented during the sales process.\n\nPrior to purchasing the software, I relied upon representations made by the merchant regarding the effectiveness of the algorithmic trading system, software functionality, technical support, account management assistance, monitoring capabilities, risk management procedures, and the availability of customer service and refund protections. These representations were material factors influencing my decision to complete the purchase.\n\nFollowing implementation and use of the software and related services, substantial concerns developed regarding performance, transparency, functionality, support, and the overall operation of the product.\n\nFAILURE OF SOFTWARE FUNCTIONALITY AND SERVICES After purchase, I experienced significant deficiencies involving the operation of the software and related services. Critical functionality did not perform as represented during the sales process.\n\nInformation necessary to independently verify trading activity, monitor performance, evaluate risk controls, and assess system operation was either unavailable, unreliable, incomplete, or inconsistent.\n\nAdditionally, communications with the merchant failed to adequately resolve these issues despite repeated attempts to obtain clarification, technical support, corrective action, and a satisfactory resolution.\n\nThe software and services delivered materially differed from what was represented before purchase.\n\nBREACH OF CONTRACT XXXX XXXX Algorithmic represented that purchasers would receive a professionally supported algorithmic trading solution together with operational support, monitoring capabilities, technical assistance, software functionality, and other material benefits described during the sales process.\n\nAfter notifying the merchant regarding the deficiencies described herein and requesting assistance and relief, the merchant failed and/or refused to adequately cure the deficiencies or provide the benefits and protections represented prior to purchase.\n\nSuch conduct constitutes a material breach of contract and a failure to perform the obligations that induced the transaction.\n\nGOODS AND SERVICES NOT AS DESCRIBED The software and services provided materially differed from what was represented because : Critical software functions failed to perform as represented ; Transparency regarding trading activity and system operations was inadequate ; Performance monitoring capabilities were unreliable or unavailable ; Technical support and operational assistance were insufficient ; Material representations regarding functionality and oversight were not fulfilled ; The overall product delivered did not conform to the advertised services and representations relied upon at the time of purchase.\n\nAccordingly, the transaction qualifies as goods and services not received as described.\n\nMISREPRESENTATION AND DECEPTIVE BUSINESS PRACTICES The facts described above raise substantial concerns that material representations regarding software functionality, algorithmic performance, account management, customer support, transparency, risk controls, operational oversight, and refund protections were inaccurate, misleading, or incomplete.\n\nConsumers are entitled to rely upon representations made during the sales process. Where a merchant markets a sophisticated algorithmic trading solution but fails to provide the represented functionality, support, and contractual protections, such conduct may constitute material misrepresentation and deceptive business practices.\n\nAPPLICABLE CONSUMER PROTECTION AUTHORITIES I respectfully request that XXXX XXXX XXXX review this dispute consistent with applicable federal consumer protection laws, including : Fair Credit Billing Act ( 15 U.S.C. 1666 et seq. ) Providing consumers the right to dispute billing errors and charges involving goods or services not delivered as agreed, materially deficient, or materially misrepresented.\n\nTruth in Lending Act ( 15 U.S.C. 1601 et seq. ) and Regulation Z Providing protections for credit card holders who receive defective, nonconforming, or misrepresented goods and services.\n\nFederal Trade Commission Act ( 15 U.S.C. 45 ) Prohibiting unfair or deceptive acts or practices in commerce, including materially misleading representations concerning products, services, guarantees, and performance claims.\n\nConsumer Financial Protection Bureau ( CFPB ) Consumer Billing Protections Requiring fair investigation of disputed transactions and protection of consumers from improper billing practices.\n\nREQUEST FOR RELIEF Accordingly, I respectfully request that XXXX XXXX XXXX : 1. Reopen and thoroughly investigate Claim No. XXXX ; 2. Review all sales materials, merchant correspondence, software records, support communications, refund requests, account records, screenshots, and supporting evidence ; 3. Determine that the disputed transaction constitutes goods and services not as described, breach of contract, and material misrepresentation ; 4. Reverse the disputed charge of {$6000.00} ; 5. Preserve all rights afforded under the Fair Credit Billing Act, Truth in Lending Act, Regulation Z, applicable card-network dispute procedures, and other federal consumer protection laws ; and 6. Provide written confirmation of the results of the investigation.\n\nDECLARATION I declare under penalty of perjury under the laws of the United States and the State of California that the statements contained herein are true and correct to the best of my knowledge and based upon documentation, communications, records, and information presently available to me.\n\nRespectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ENCLOSURES XXXX XXXX Services Dispute Documentation Merchant Communications Refund Requests Purchase Records and Receipts Software Screenshots Account Records Support Correspondence Marketing Materials and Representations Additional Supporting Evidence Relevant to the Dispute Total Amount Requested for Reversal : {$6000.00}.","date_sent_to_company":"2026-06-15T19:22:19.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"93550","tags":null,"has_narrative":true,"complaint_id":"23225781","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2026-06-15T19:05:51.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["The <em>software</em> and <em>services</em> delivered materially differed from what was represented before purchase.\n\nBREACH OF CONTRACT XXXX XXXX Algorithmic represented that purchasers would receive a professionally supported algorithmic trading solution together with operational support, <em>monitoring</em> capabilities, technical assistance, <em>software</em> functionality, and other material benefits described during the sales process."]},"sort":[19.7786,"23225781"]},{"_index":"complaint-public-v1","_id":"3790136","_score":19.668388,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/2020 I purchased the software from XXXX for protection of my computer. When it was loaded into my computer I could not use Internet because that software started to block access by firewall. I had to remove the software in order to get access to the Internet. When I saw the charge on XX/XX/2020 I called Discover Card and disputed the charge. I did so after calling XXXX who told me that they know about this problem and I was supposed to contact their technical support in attempt to resolve the issue. First of all, I did not about their technical support because their e-mail did not notify me about existence of such support, and then they told me that my request was supposed to be within 30 days. My call ion XX/XX/2020 was exactly on the XXXX day. Since XXXX refused to give me a credit I called Discover card and disputed the charge. Discover card gave me a credit but then I received my new statement that charge of {$39.00} was again posted to our account on the same day of XX/XX/2020. When I called Discover card XX/XX/2020 I was told by Mr. XXXX from Ohio office that I was supposed to have a written confirmation from XXXX that their software prevented me from accessing Internet and that my call on XX/XX/2020 was on 31 first day which is not true because by legal standards counting starts on the following day and XXXX had 30 days span. Mr. XXXX refused to give us a credit for that merchandise which does not exist on my computer because it was faulty.","date_sent_to_company":"2020-08-19T17:18:51.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"19904","tags":"Older American","has_narrative":true,"complaint_id":"3790136","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2020-08-11T20:16:53.000Z","state":"DE","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["On XX/XX/2020 I purchased the <em>software</em> from XXXX for protection of my computer. When it was loaded into my computer I could not use <em>Internet</em> because that <em>software</em> started to block access by firewall. I had to remove the <em>software</em> in order to get access to the <em>Internet</em>. When I saw the charge on XX/XX/2020 I called Discover Card and disputed the charge."]},"sort":[19.668388,"3790136"]},{"_index":"complaint-public-v1","_id":"3078966","_score":19.554993,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I recently found identity theft on XX/XX/2018 using an internet monitoring service. All accounts listed in this report are fraud, Wrong Spelling my name, Wrong Addresses.","date_sent_to_company":"2018-11-20T05:28:17.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92596","tags":null,"has_narrative":true,"complaint_id":"3078966","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-11-20T00:00:52.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I recently found identity theft on XX/XX/2018 using an <em>internet</em> <em>monitoring</em> <em>service</em>. All accounts listed in this report are fraud, Wrong Spelling my name, Wrong Addresses."],"product":["Credit reporting, credit repair <em>services</em>, or other personal consumer reports"]},"sort":[19.554993,"3078966"]},{"_index":"complaint-public-v1","_id":"7510089","_score":19.553339,"_source":{"product":"Debt collection","complaint_what_happened":"I just noticed a XXXX dollar debt collection on my credit report because I received a notification from my credit monitoring service. They are claiming it is for internet equipment, but there's no such thing. Supposedly this was over 3 years ago and the property was sold then. I don't even live there anymore. The HOA is supposed to be in charge of the internet service from our HOA payment. I didn't receive not one letter from them until today XX/XX/2023.","date_sent_to_company":"2023-09-06T15:29:57.000Z","issue":"Written notification about debt","sub_product":"Telecommunications debt","zip_code":"93004","tags":null,"has_narrative":true,"complaint_id":"7510089","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"I.C. System, Inc.","date_received":"2023-09-06T15:22:14.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["I just noticed a XXXX dollar debt collection on my credit report because I received a notification from my credit <em>monitoring</em> <em>service</em>. They are claiming it is for <em>internet</em> equipment, but there's no such thing. Supposedly this was over 3 years ago and the property was sold then. I don't even live there anymore. The HOA is supposed to be in charge of the <em>internet</em> <em>service</em> from our HOA payment. I didn't receive not one letter from them until today XX/XX/2023."]},"sort":[19.553339,"7510089"]},{"_index":"complaint-public-v1","_id":"3079297","_score":19.531218,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I recently found identity theft onXX/XX/2018 using an internet monitoring service. All accounts listed in this report are fraud, Wrong Spelling my name, Wrong Addresses.","date_sent_to_company":"2018-11-20T05:28:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92596","tags":null,"has_narrative":true,"complaint_id":"3079297","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-11-20T00:28:20.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I recently found identity theft onXX/XX/2018 using an <em>internet</em> <em>monitoring</em> <em>service</em>. All accounts listed in this report are fraud, Wrong Spelling my name, Wrong Addresses."],"product":["Credit reporting, credit repair <em>services</em>, or other personal consumer reports"]},"sort":[19.531218,"3079297"]},{"_index":"complaint-public-v1","_id":"3078968","_score":19.476154,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I recently found identity theft onXX/XX/2018 using an internet monitoring service. All accounts listed in this report are fraud, Wrong Spelling my name, Wrong Addresses.","date_sent_to_company":"2018-11-20T05:28:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92596","tags":null,"has_narrative":true,"complaint_id":"3078968","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-11-20T00:28:20.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I recently found identity theft onXX/XX/2018 using an <em>internet</em> <em>monitoring</em> <em>service</em>. All accounts listed in this report are fraud, Wrong Spelling my name, Wrong Addresses."],"product":["Credit reporting, credit repair <em>services</em>, or other personal consumer reports"]},"sort":[19.476154,"3078968"]},{"_index":"complaint-public-v1","_id":"4976348","_score":19.453327,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX/XXXX/2021 : After becoming a victim of identity theft, I called up Equifax to report a fraud alert. After the fraud alert was set up, I purchased the EQUIFAX XXXX credit monitoring software for {$10.00} a month and logged off for the night. Everything appeared to be working XXXX/XXXX/2021 : The next morning, I tried to log in to my account but was told that my login information was not acceptable which is false. I attempted to reset my password online but I keep receiving the message \" We are temporarily unable to complete this request. Please try again later ''. I attempted to call the hotline several times, but am stopped from talking to a XXXX XXXX XXXX because my personal information to verify my data is \" not correct ''. False. \n\nFollowing up with this, I sent them an email XXXX XXXX, but have not received any response from the company. For a credit monitoring company that is supposed to protect me from identity theft, they are very lax with their approach. \n\nI can not use the credit monitoring software that I paid for and can not talk to anybody from Equifax to verify that fraudster ( XXXX ) are attempting to open up more credit cards in my name. I am absolutely mortified. Additionally, I am paying for software that I can not use. Should have never used this company but I purchased the monitoring software out of desperation without any research.","date_sent_to_company":"2021-12-04T10:26:44.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"07410","tags":null,"has_narrative":true,"complaint_id":"4976348","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-12-04T10:10:34.000Z","state":"NJ","company_public_response":null,"sub_issue":"Didn't receive services that were advertised"},"highlight":{"complaint_what_happened":["Should have never used this company but I purchased the <em>monitoring</em> <em>software</em> out of desperation without any research."],"product":["Credit reporting, credit repair <em>services</em>, or other personal consumer reports"],"issue":["Credit <em>monitoring</em> or identity theft protection <em>services</em>"],"sub_issue":["Didn't receive <em>services</em> that were advertised"]},"sort":[19.453327,"4976348"]},{"_index":"complaint-public-v1","_id":"11728652","_score":19.379436,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Company Legal Office & Internal Applications Online Review Department denied and lied about my Identity not matching my address and denied me access to upload supporting documents on their website instead said that they were experiencing online maintenance & had me fax my SSN & ID card which supported evidence of address & social security number they pulled 2 credit reports of which I ask them not to without my permission & lied and said that my application did not match. I requested a legal copy of my application & demanded that if my application did not match they legally had to delete all their Inquiries under FCRA law. I spoke with Discover  XXXX XXXX representative XXXX at XXXX XXXX & explained that any fabrication on their monitored calls to ignored valid identity verification & deny me credit would me under investigation & reported to CFPB immediately. Inquiries are demand to Be removed today & access to the wwwdiscover.com/XXXX will be reported to IC3 internet authorities as all call were monitored for quality assurance.","date_sent_to_company":"2025-01-22T19:39:12.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"23435","tags":"Servicemember","has_narrative":true,"complaint_id":"11728652","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2025-01-22T19:20:50.000Z","state":"VA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Inquiries are demand to Be removed today <em>&</em> access to the wwwdiscover.com/XXXX will be reported to IC3 <em>internet</em> authorities as all call were <em>monitored</em> for quality assurance."]},"sort":[19.379436,"11728652"]},{"_index":"complaint-public-v1","_id":"3190174","_score":19.369617,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I check my credit monitoring service on XX/XX/2019 and found a negative collections account for a XXXX XXXX bill. That I never had open or authorized to be opened. I have been living in the same property for years and have my internet cable services at this present time. That service was not my service or account.","date_sent_to_company":"2019-03-29T20:57:15.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"70094","tags":null,"has_narrative":true,"complaint_id":"3190174","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Credit Protection Association, L.P.","date_received":"2019-03-25T17:23:01.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I check my credit <em>monitoring</em> <em>service</em> on XX/XX/2019 and found a negative collections account for a XXXX XXXX bill. That I never had open or authorized to be opened. I have been living in the same property for years and have my <em>internet</em> cable <em>services</em> at this present time. That <em>service</em> was not my <em>service</em> or account."],"product":["Credit reporting, credit repair <em>services</em>, or other personal consumer reports"]},"sort":[19.369617,"3190174"]},{"_index":"complaint-public-v1","_id":"1508501","_score":19.258472,"_source":{"product":"Credit reporting","complaint_what_happened":"I was in contract with XXXX in XX/XX/XXXX. Their report is the most accurate. Currently, XX/XX/XXXX when purchasing Experian {$39.00} credit report I discovered the following : 1 ) Experian 's reporting misinformation of XXXX current late payments. I do not have any late payments. 2 ) In addition has duplicate creditors reporting the same debts. 3 ). And restarting the date of debt as of XX/XX/XXXX, that was previously deleted or resolved and due to fall off the report in XX/XX/XXXX. XXXX XXXX XXXX is an example. \nSecondly to print an Experian credit report the consumer has to download Adobe software. A XXXX that links to the consumers computer. The Adobe software is an internet download, which we all know is risky. In addition, Adobe is upselling product with a very confusing format. The process predigests consumers who do not wish to install an internet product and who do not have the most updated computers that are compatible with this function. I own a XX/XX/XXXX XXXX and still was unable to print the report ( even with the download ). After several calls to customer service it 's unresolved. Please contact me for the member id number as I want to submit a copy of the report for your review.","date_sent_to_company":"2015-08-11T12:24:19.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"920XX","tags":null,"has_narrative":true,"complaint_id":"1508501","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2015-08-07T18:15:44.000Z","state":"CA","company_public_response":"Company chooses not to provide a public response","sub_issue":"Reinserted previously deleted info"},"highlight":{"complaint_what_happened":["Secondly to print an Experian credit report the consumer has to download Adobe <em>software</em>. A XXXX that links to the consumers computer. The Adobe <em>software</em> is an <em>internet</em> download, which we all know is risky. In addition, Adobe is upselling product with a very confusing format. The process predigests consumers who do not wish to install an <em>internet</em> product and who do not have the most updated computers that are compatible with this function."]},"sort":[19.258472,"1508501"]},{"_index":"complaint-public-v1","_id":"3846697","_score":19.167719,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"This complaint is directly related to my previous complaint # XXXX which you closed due to a fraudulent response from Discover Card and signed by XXXX XXXX XXXX complaint was related to the charge on my card for purchase of XXXX XXXX XXXX XXXX software. The \" response '' provided Discover fraudulently indicated that \" they did not recognize the charge '' which had nothing to do with the truth. As a matter of fact, I did purchase that software but the XXXX software billed a firewall ion my computer that did not allow me to use Internet, I was unable to send e-mails which started to accumulate in my \" outbox '' without gong out. I had no other way but to remove that software from my computer and declined to honor the charge. The second fraudulent claim made by Mr. XXXX XXXX in that \" company 's response '' was a claim that \" On XX/XX/2020, we received documentation from the merchant that included a copy of the transaction details, terms, and explanation from the merchant that included a copy of the transaction details. '' Proof of my purchase I have myself, but I do not have any \" terms '' of that purchase myself. As a matter of fact, when I disputed the practical validity of purchase ( and not the recognition of the transaction itself ) XXXX talked to me and told me that I \" was supposed to call their technical support department when I had problems with that software installing a firewall that did not allow me to use Internet. I have never received any \" terms '' let alone any telephone number for technical support. When I disputed the charge and later saw that charge reinstalled on the same date it was removed ( another fraudulent claim of Mr. XXXX XXXX XXXX I called Discover and talked to a man by name XXXX who told me that I was supposed to record those facts ( i.e., firewall that did not allow me to use Internet or accumulation of my outside mail in my \" outside '' box, facts not disputed by XXXX when I talked to them after seeing the charge. And finally failure Mr. XXXX XXXX to inform of his actual days and time of being in the office. When I called Mr. XXXX XXXX on XX/XX/2020 I wanted to tell him that after I removed XXXX software from my computer it appears that it loaded on my computer again without my permission. Moreover, when I attempted to remove it I could not do it. After I pressed the button \" remove '' I got a message that the process will take place over a time and that \" process '' has never been able to be completed but practically was suspended in time. Only on XX/XX/2020 I was able to remove that software from my computer although before final step I got a warning that I \" have current subscription to their services '' which I did not care but pressed the button to remove that software. Moreover, it appears that my computer had initially security software provided by XXXX. On the same statement on which charge for XXXX appeared there was a charge for {$29.00} for XXXX which I also disputed and which was removed. that charge was actually a valid one. I, therefore, on my payment date of XX/XX/2020 will pay that charge along with the interest charged by Discover for not paying the XXXX charge. After that I will never use that card again unless the dispute is resolved in a fair manner by Discover.","date_sent_to_company":"2020-09-12T19:04:22.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"19904","tags":"Older American","has_narrative":true,"complaint_id":"3846697","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2020-09-12T18:34:01.000Z","state":"DE","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Only on XX/XX/2020 I was able to remove that <em>software</em> from my computer although before final step I got a warning that I \" have current subscription to their <em>services</em> '' which I did not care but pressed the button to remove that <em>software</em>. Moreover, it appears that my computer had initially security <em>software</em> provided by XXXX."]},"sort":[19.167719,"3846697"]},{"_index":"complaint-public-v1","_id":"6173093","_score":18.947235,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"American Express continues to deceive and switch/bait. \n\nCompany Customer Service ( this time a person named XXXX ) continues to ask but not resolve issues and not return calls & follow up. \n\nThis is clearly an indication of the racket they know and have as it relates to their false advertising and bait & switch tactics. \n\nAmerican Express has systemic bait & switch systems in place that advertise benefits and then refuses to provide their customers. \n\nTheir software is not aligned with their advertisements. It refuses to give American Express consumers & small business benefits promised. \n\nManagement knows this and continues to attempt to steal from their own customers by saving on costs by rejecting legitimate claims all the while continuing to deceive ( falsely advertise ) and encouraging them to sign up for their expensive cards. \n\nIts an systemic racket being run internally at American Express. Even their customer service teams can not correct as its baked into their software. Seems very corrupt. \n\nStrongly recommend a XXXX investigation here given the situation.","date_sent_to_company":"2022-11-08T03:53:57.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"152XX","tags":null,"has_narrative":true,"complaint_id":"6173093","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2022-11-08T03:40:14.000Z","state":"PA","company_public_response":null,"sub_issue":"Problem with rewards from credit card"},"highlight":{"complaint_what_happened":["Company Customer <em>Service</em> ( this time a person named XXXX ) continues to ask but not resolve issues and not return calls <em>&</em> follow up. \n\nThis is clearly an indication of the racket they know and have as it relates to their false advertising and bait <em>&</em> switch tactics. \n\nAmerican Express has systemic bait <em>&</em> switch systems in place that advertise benefits and then refuses to provide their customers. \n\nTheir <em>software</em> is not aligned with their advertisements."]},"sort":[18.947235,"6173093"]},{"_index":"complaint-public-v1","_id":"16135574","_score":18.892271,"_source":{"product":"Debt collection","complaint_what_happened":"Im XXXX XXXX. Ive been monitoring my internet and mobile bill for a few months that Ive been a customer with XXXX XXXX XXXX. My XXXX XXXX XXXX  bundle ( mobile and internet ) charges still doesnt reflect my balance due. My cost should be as followed : mobile : {$80.00} internet : {$60.00} Due to XXXX XXXX XXXX not working with what they agreed to charge me, I switched telecommunications providers. The balance left on my account was sent to Credence resource management, collection agency, where the balance still doesnt match what my cost was. {$260.00} for the mobile service isnt incorrect. I havent contacted the collection agency yet, however XXXX XXXX XXXX attached services or fees that wasnt agreed on my bill.","date_sent_to_company":"2025-09-23T14:04:51.000Z","issue":"Attempts to collect debt not owed","sub_product":"Telecommunications debt","zip_code":"27616","tags":"Servicemember","has_narrative":true,"complaint_id":"16135574","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Kriya Capital, LLC","date_received":"2025-09-23T13:49:22.000Z","state":"NC","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Ive been <em>monitoring</em> my <em>internet</em> and mobile bill for a few months that Ive been a customer with XXXX XXXX XXXX. My XXXX XXXX XXXX  bundle ( mobile and <em>internet</em> ) charges still doesnt reflect my balance due. My cost should be as followed : mobile : {$80.00} <em>internet</em> : {$60.00} Due to XXXX XXXX XXXX not working with what they agreed to charge me, I switched telecommunications providers."]},"sort":[18.892271,"16135574"]},{"_index":"complaint-public-v1","_id":"3782714","_score":18.858643,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXX I went to a XXXX store and canceled my internet service plan successfully and verified with the staff that the internet service account is closed on the site with {$0.00} balance. However, later my credit card on the file was charged for the full payment of {$64.00} for the billing period of XX/XX/XXXX - XX/XX/XXXX of XXXX. I disputed the charge with the credit card company, which is Wells Fargo & Company, stating that the full amount charge was incorrect as the internet service account had a balance of {$0.00} at the time of close, and I wasn't given an option of keeping to use the internet service from XX/XX/XXXX. The credit card company, Wells Fargo & Company, resolved the dispute in merchant 's favor, stating that I am responsible for the full charge of {$64.00}, because I did not cancel the reoccurring charge, which is the auto pay feature I set up for the internet service plan, despite of the fact that XXXX informed of account balance of {$0.00}, and the fact that I wasn't able to use the full service for the billing period of XX/XX/XXXX - XX/XX/XXXX of XXXX. On the last phone call, I informed the credit card company, Wells Fargo & Company, that I should not be responsible for services billed but not received, and that XXXX should be responsible for false information, if I still owed money at the time of close, XX/XX/XXXX.","date_sent_to_company":"2020-08-06T21:45:57.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"41011","tags":null,"has_narrative":true,"complaint_id":"3782714","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2020-08-06T21:32:33.000Z","state":"KY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I disputed the charge with the credit card company, which is Wells Fargo <em>&</em> Company, stating that the full amount charge was incorrect as the <em>internet</em> <em>service</em> account had a balance of {$0.00} at the time of close, and I wasn't given an option of keeping to use the <em>internet</em> <em>service</em> from XX/XX/XXXX."],"company":["WELLS FARGO <em>&</em> COMPANY"]},"sort":[18.858643,"3782714"]},{"_index":"complaint-public-v1","_id":"2735662","_score":18.83778,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"This is an ongoing problem for which I have complained many times to the company, to no avail. I use a XXXX service ( virtual private network ) to surf the internet, especially for financial translations, like credit cards or online banking. I do not connect to the internet via wi-fi. For all my other online credit card access ( at least 7 other credit cards ), I am able to log into and check my accounts with no problems. I only have a login problem with Citibank. I get a \" temporarily down '' error message. The customer service reps say that 's a generic message. On XXXX/XXXX/XXXX, I sent their technical team an email with a screen shot of the error message which also shows that their site is considered a \" trusted site '' by my ad blocking software, but they have not responded. I simply do n't understand why I have no problems logging into other credit card accounts using a XXXX, but not Citibank.","date_sent_to_company":"2017-11-22T16:10:02.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"183XX","tags":null,"has_narrative":true,"complaint_id":"2735662","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2017-11-22T15:22:32.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with customer service"},"highlight":{"complaint_what_happened":["I use a XXXX <em>service</em> ( virtual private network ) to surf the <em>internet</em>, especially for financial translations, like credit cards or online banking. I do not connect to the <em>internet</em> via wi-fi. For all my other online credit card access ( at least 7 other credit cards ), I am able to log into and check my accounts with no problems. I only have a login problem with Citibank. I get a \" temporarily down '' error message. The customer <em>service</em> reps say that 's a generic message."],"sub_issue":["Problem with customer <em>service</em>"]},"sort":[18.83778,"2735662"]},{"_index":"complaint-public-v1","_id":"2568312","_score":18.7886,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have been paying for USAA 's ID Theft & Monitoring Solution Services for several years now. A year ago I suffered identity theft and credit card fraud. I contacted USAA immediately and they. While slow in reacting and requiring intervention by the CEO 's office, as USAA repeatedly re-entered the same fraud claim multiple times, they issued credits for the fraudulent charges. A year later USAA reversed the billing dispute against regulation Z of the consumer protection laws billing dispute time frame and without actually truly investigating the fraudulent charges, relying on circumstantial evidence. <P/>This complaint however is in regards to the paid theft fraud assistance resolution and paid identity theft insurance policy provided with this paid service. In contacting the dedicated fraud resolution expert, they offered no assistance at all. Not even in helping to finish removing fraudulent hard pulls on my credit reports. <P/>Furthermore, despite paying for the service I am unable to view or access the majority of services that come with my subscription. USAA restricted my access and has continued charging me. I am unable to view any alerts, including monitoring alerts, any of my credit scores, internet scans, or reports. <P/>Lastly, when I inquired as to how to access and file a claim with the Identity Theft Insurance policy that comes with this subscription, I was told they were n't sure and given no further information.","date_sent_to_company":"2017-07-07T14:39:28.000Z","issue":"Fraud or scam","sub_product":"Credit repair services","zip_code":"78723","tags":null,"has_narrative":true,"complaint_id":"2568312","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2017-07-07T14:22:23.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["I have been paying for USAA 's ID Theft <em>&</em> <em>Monitoring</em> Solution <em>Services</em> for several years now. A year ago I suffered identity theft and credit card fraud. I contacted USAA immediately and they. While slow in reacting and requiring intervention by the CEO 's office, as USAA repeatedly re-entered the same fraud claim multiple times, they issued credits for the fraudulent charges."],"product":["Credit reporting, credit repair <em>services</em>, or other personal consumer reports"],"company":["UNITED <em>SERVICES</em> AUTOMOBILE ASSOCIATION"],"sub_product":["Credit repair <em>services</em>"]},"sort":[18.7886,"2568312"]},{"_index":"complaint-public-v1","_id":"6293987","_score":18.569073,"_source":{"product":"Debt collection","complaint_what_happened":"My XXXX XXXX account was closed and paid off XX/XX/XXXX. This same bill recently appeared on my credit after it was paid. Upon cancelation of the XXXX account, I kept my internet services until the following summer XXXX when I changed my address. I have payment information from my bank account where I still paid monthly for internet in XXXX. The provider first said I did not make any payments towards the internet or XXXX service. Once I provided this bank statement showing the XXXX account was paid off, the provider then said I made the payment to the wrong department and that my XXXX services continued, & that my internet was canceled. How was the internet canceled if I still made payments & used the internet? Either I need a refund or these false charges need to be removed from my credit! The provider also stated there is suddenly no copy of my contract nor payments made as proof of these charges. But I'm still being charged ... How can you charge me if you said yourself there are no records of the account.","date_sent_to_company":"2023-01-03T13:25:06.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"37013","tags":null,"has_narrative":true,"complaint_id":"6293987","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CCS Financial Services, Inc.","date_received":"2022-12-07T13:24:48.000Z","state":"TN","company_public_response":"Company believes the complaint is the result of a misunderstanding","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Once I provided this bank statement showing the XXXX account was paid off, the provider then said I made the payment to the wrong department and that my XXXX <em>services</em> continued, <em>&</em> that my <em>internet</em> was canceled. How was the <em>internet</em> canceled if I still made payments <em>&</em> used the <em>internet</em>? Either I need a refund or these false charges need to be removed from my credit! The provider also stated there is suddenly no copy of my contract nor payments made as proof of these charges."],"company":["CCS Financial <em>Services</em>, Inc."]},"sort":[18.569073,"6293987"]},{"_index":"complaint-public-v1","_id":"12871274","_score":18.556612,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The company Google, was illegally investigating me as means of recruitment. I, a proponent of their services at XXXX point in time, had moved away from using their services. \n\nThis dates back to when I had phone service with them in the first half of XXXX. There were constant instability problems, wrong billing amounts, wrong billing cycles. They claim it was for me to audit their customer service reps, a service I provide through my company, which they never reached out to through the proper channels. I eventually cancelled my service with them as this is a ridiculous business practice. This whole fiasco cost me upwards of {$25000.00} in lost business. \n\nNow, here we are. XX/XX/XXXX. I have been getting attacked through their software and hardware systems. My Google XXXX is being accessed remotely to steal private information, intellectual property, and disrupting my everyday business. \nThey are lying about my data usage. Wanting to charge me for services I'm not even currently using. \nAnd just now, they hacked my Internet service, through the XXXX that had their Google XXXX service last year. \n\nThis disruption is not only disrespectful & unethical, it cost me business once again. This time : a {$180000.00} deal I was trying to close. \n\nI was in the middle of using XXXX, the software app from XXXX, and my XXXX XXXX. All of which began having problems with my XXXX XXXX. \n\nThat's when I used my cybersecurity work to figure out who it was. XXXX had physically sent agents to my office to disrupt my work. \n\nI need this addressed ASAP, as the Google Employees based out of their XXXX XXXX, have now cost me well over {$200000.00} USD. This is more than my taxable income in XXXX. \n\nThis is unacceptable. How is it that a company this large, goes after XXXX man companies by hacking their infrastructure. \n\nThey have also been part of an international identity theft ring that uses \" credit and background checks '' to gather customer information which is then sold on the XXXX market as \" security breaches ''. They first requested my driver 's license to complete a purchase on my XXXX XXXX. \n\nSomething that should be seen as an illegal search and XXXX by a private company. A constitutional infringement of my rights.","date_sent_to_company":"2025-04-09T02:02:12.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"98007","tags":null,"has_narrative":true,"complaint_id":"12871274","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Google Compare Credit Cards Inc.","date_received":"2025-04-09T01:33:59.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["And just now, they hacked my <em>Internet</em> <em>service</em>, through the XXXX that had their Google XXXX <em>service</em> last year. \n\nThis disruption is not only disrespectful <em>&</em> unethical, it cost me business once again. This time : a {$180000.00} deal I was trying to close. \n\nI was in the middle of using XXXX, the <em>software</em> app from XXXX, and my XXXX XXXX. All of which began having problems with my XXXX XXXX. \n\nThat's when I used my cybersecurity work to figure out who it was."]},"sort":[18.556612,"12871274"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":3380825,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":0,"key_as_string":"false","doc_count":1869438},{"key":1,"key_as_string":"true","doc_count":1511387}]}},"product":{"doc_count":1511387,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":807500,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":796516},{"key":"Other personal consumer report","doc_count":8169},{"key":"Credit repair services","doc_count":2814},{"key":"Conventional home mortgage","doc_count":1}]}},{"key":"Credit reporting or other personal consumer 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