{"took":221,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1126,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"7904859","_score":17.017906,"_source":{"product":"Checking or savings account","complaint_what_happened":"This is a complaint against Truist bank. I have a checking account with them and few weeks ago when i logged into my account i noticed some unauthorized transactions. I called Truist and i reported to them immediately. After the investigation they concluded with a full credit back to my account and i thought that they saved the day. Only to find out that now they have locked my account and i can not use it in any way. I do understand that this is for the security of my account and for anything similar not to happen again but they dont allow me to open new account or close this account unless i go to a branch. I would easily resolve this if i was in XXXX  right now. Im XXXX and i dont intend to take a 12 hour flight and bear the expenses just because they can not do this over the phone and email. They have no right to lock my funds indefinitely and ask me to go to the States to open new account there. I want only what belongs to me, my funds back and no further business with truist","date_sent_to_company":"2023-11-26T22:54:43.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"200XX","tags":null,"has_narrative":true,"complaint_id":"7904859","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2023-11-26T22:46:35.000Z","state":"DC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I do <em>understand</em> that this is for the security of my account and for <em>anything</em> similar not to happen again but they dont allow me to open new account or close this account <em>unless</em> i <em>go</em> to a branch. I would easily resolve this if i was in XXXX  right now. Im XXXX and i dont intend to take a 12 hour flight and bear the expenses just because they can not do this over the phone and email. They have no right to lock my funds indefinitely and ask me to <em>go</em> to the States to open new account there."]},"sort":[17.017906,"7904859"]},{"_index":"complaint-public-v1","_id":"3557299","_score":16.555069,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Spoke with both Experian and XXXX XXXXl XX/XX/20 after receiving a letter from XXXX XXXX explaining they could not find my account. Spoke with both parties who told me that 1 ) Experian would not correct my credit reporting unless XXXX XXXX let them. 2 ) Spoke with XXXX XXXX   after they mailed me a letter saying we can find your account. \n\nI explained to XXXX XXXX what was on my credit report, how long this has been going on for and I was willing to settle this with XXXX XXXX and they said, NO. \n\nThey are not actively trying to collect anything however they would not try and work with me to get this resolved, that they understand why Experian is saying that but they wont do anything. So I feel I am sitting here trying to get this corrected, off my record and both parties are saying they will not help me. How can I fix this if both parties are denying ownership and knowledge? I have disputed this multiple times which XXXX XXXX comes back and somehow provides my credit bureaus with information but when I dispute I get nothing and then letters saying they can't find me. Just want this to go away and they don't take me seriously or care. \n\nThe account they have for me is under XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX and the last 4 of my social is XXXX, XXXX XXXX XXXX","date_sent_to_company":"2020-03-06T22:18:45.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"93444","tags":null,"has_narrative":true,"complaint_id":"3557299","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-03-06T22:18:43.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Spoke with both parties who told me that 1 ) Experian would not correct my credit reporting <em>unless</em> XXXX XXXX let them. 2 ) Spoke with XXXX XXXX   after they mailed me a letter saying we can find your account. \n\nI explained to XXXX XXXX <em>what</em> was on my credit report, how long this has been <em>going</em> on for and I was willing to settle this with XXXX XXXX and they said, NO."]},"sort":[16.555069,"3557299"]},{"_index":"complaint-public-v1","_id":"3557283","_score":16.523096,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Spoke with both XXXX  and GM financial XX/XX/20 after receiving a letter from GM Financial explaining they could not find my account. Spoke with both parties who told me that 1 ) XXXX   would not correct my credit reporting unless GM Financial let them. 2 ) Spoke with GM financial after they mailed me a letter saying we can find your account. \n\nI explained to GM financial what was on my credit report, how long this has been going on for and I was willing to settle this with GM financial and they said, NO. \n\nThey are not actively trying to collect anything however they would not try and work with me to get this resolved, that they understand why XXXX  is saying that but they wont do anything. So I feel I am sitting here trying to get this corrected, off my record and both parties are saying they will not help me. How can I fix this if both parties are denying ownership and knowledge? I have disputed this multiple times which GM financial comes back and somehow provides my credit bureaus with information but when I dispute I get nothing and then letters saying they can't find me. Just want this to go away and they don't take me seriously or care. \n\nThe account they have for me is under XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and the last 4 of my social is XXXX, XXXX XXXX XXXX","date_sent_to_company":"2020-03-06T22:18:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"93444","tags":null,"has_narrative":true,"complaint_id":"3557283","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"General Motors Financial Company, Inc.","date_received":"2020-03-06T22:06:48.000Z","state":"CA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Spoke with both parties who told me that 1 ) XXXX   would not correct my credit reporting <em>unless</em> GM Financial let them. 2 ) Spoke with GM financial after they mailed me a letter saying we can find your account. \n\nI explained to GM financial <em>what</em> was on my credit report, how long this has been <em>going</em> on for and I was willing to settle this with GM financial and they said, NO."]},"sort":[16.523096,"3557283"]},{"_index":"complaint-public-v1","_id":"6907526","_score":15.735787,"_source":{"product":"Mortgage","complaint_what_happened":"There was a supplemental tax bill that was overlooked when our house was purchased. In the year and a half since we bought this house the mortgage has transferred between three different companies. When it was first transferred to this current company last year, they made an inaccurate escrow analysis and tried to raise our mortgage by a ridiculous amount. After proving that it was calculated wrong the payment was lowered back down. \nNow that this supplemental tax bill that I thought was already taken care of by the first lender has been paid by the newest company they are again trying to raise the mortgage by {$800.00} a month. I called them on XX/XX/XXXX to point out that the supplemental tax bill is a ONE TIME charge whenever a house is sold. It is not a yearly charge and that it should not be included along with the county taxes in the new analysis. The representative did not seem to understand and informed me that he would request an escrow analysis since the numbers weren't adding up and that it should be done in 5 days or so. \nTwo weeks go by and I have not heard anything back so I messaged them online. I was told in the chat that the escrow analysis was declined due to \" no changes '' in our taxes. I was not informed about this decision in any way. The chat representative also did not seem to understand about the supplemental tax bill and that nothing will change unless I provide proof from my county of what the taxes for this year will be ( a document that the bank and I both already have ).","date_sent_to_company":"2023-04-30T01:09:41.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"95380","tags":null,"has_narrative":true,"complaint_id":"6907526","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIFTH THIRD FINANCIAL CORPORATION","date_received":"2023-04-30T00:44:38.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The chat representative also did not seem to <em>understand</em> about the supplemental tax bill and that nothing will change <em>unless</em> I provide proof from my county of <em>what</em> the taxes for this year will be ( a document that the bank and I both already have )."]},"sort":[15.735787,"6907526"]},{"_index":"complaint-public-v1","_id":"3516050","_score":15.54221,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/2020, XXXX XXXX, I received a call from +1 ( XXXX ) XXXX. The person on the phone introduced herself as a debt collection agency ( Credit Management or similar ) and asked me to verify the number of my street address. She told me they are calling to collect {$23.00} I owed to XXXX. She confirmed it was for me personally, not for dependents, but could not confirm what the amount was for ( even at a high level, e.g., medical services ). She demanded that I provided a form of payment ( \" How are you going to pay this today? \" ). I told her I rarely use XXXX for anything and that I have paid everything I bought from the pharmacy. I also told her that I will have to contact XXXX to understand more about this claim. She asked me when will I contact XXXX, how her company can contact me to collect my debt, and will I call them back to make a payment. I asked that they only contact me by mail and informed her that I will not make a payment to debt collector unless I initiated the call. \n\nAfter the call, I reached out to XXXX Customer Service at XXXX. The representative forwarded my call to their Billing Department. I provided my personal info to Billing and the person confirmed I am not in their system and that I don't appear to own anything to XXXX.","date_sent_to_company":"2020-01-31T18:06:07.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"08021","tags":null,"has_narrative":true,"complaint_id":"3516050","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"The CMI Group, Inc.","date_received":"2020-01-31T17:37:29.000Z","state":"NJ","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["She confirmed it was for me personally, not for dependents, but could not confirm <em>what</em> the amount was for ( even at a high level, e.g., medical services ). She demanded that I provided a form of payment ( \" How are you <em>going</em> to pay this today? \" ). I told her I rarely use XXXX for <em>anything</em> and that I have paid everything I bought from the pharmacy. I also told her that I will have to contact XXXX to <em>understand</em> more about this claim."]},"sort":[15.54221,"3516050"]},{"_index":"complaint-public-v1","_id":"16975448","_score":15.452938,"_source":{"product":"Credit card","complaint_what_happened":"I got a credit card from XXXX XXXX called XXXX if the XXXX month we will have them problems I set up automatic payments to it my cash app through reading everything that they have it said nothing about using cash app bank account as a paying option so of course I got a late payment fee and a bounce whatever fee from this bank account {$90.00} and fees for something that they didn't put in writing that I can't use my cash card so I put it on Bank XXXX XXXX and sent them a detailed statement from Bank XXXX XXXX telling them that me XXXX XXXX has made XXXX worth of payments and they have not been deducted from his account unless you charge 90 % interest there's no way Mr XXXX can still owe {$770.00} when he's paid {$500.00} in payments that you cast and received and gave them a thank you email I need a middleman of someone to help me talk to these people to make them understand what's going on I mean it's bad enough and I don't know who I'm talking to her right now. I need someone to help me figure this out with them because they don't hear me they hardly can speak XXXX no matter hear what I'm saying and that's no slight towards them if they don't understand what I'm telling them they told me to email them everything my bank did and they'll get back to me well I emailed them everything my bank gave me and I haven't heard anything back from them in XXXX weeks now XXXX financing is the company the credit card is v XXXX XXXX v XXXX","date_sent_to_company":"2025-11-02T16:54:41.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"349XX","tags":"Older American","has_narrative":true,"complaint_id":"16975448","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Continental Finance Company, LLC","date_received":"2025-11-02T16:40:03.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["you charge 90 % interest there's no way Mr XXXX can still owe {$770.00} when he's paid {$500.00} in payments that you cast and received and gave them a thank you email I need a middleman of someone to help me talk to these people to make them <em>understand</em> <em>what</em>'s <em>going</em> on I mean it's bad enough and I don't know who I'm talking to her right now."]},"sort":[15.452938,"16975448"]},{"_index":"complaint-public-v1","_id":"7313692","_score":15.433849,"_source":{"product":"Checking or savings account","complaint_what_happened":"I have Eight accounts with Wells Fargo Bank, at first I was okay with it, when those accounts earned interest, but right now I am only earning XXXX per month. The bank switched my account from one service to another at least 10 times in the 20 years I have been with this bank. In order to have the privilege of 'free ' checking I must keep $ XXXX in a special account, which I have done, but if I should 'change \" anything, with any of the accounts then it reverts to a monthly charge. I don't understand what happened to changing the interest amounts 'automatically ', as was done during the XXXX XXXX when he ordered interest rates down to 'XXXX ' because they do it in XXXX. Now, I am earning XXXX interest on my money, I will have to retire here and I am not earning any money on the money I must hold in the bank, or else I will conveniently for the bank be charged an considerable amount of money just to have the convenience of a checking account. The interest rate currently is 5 %, this is what the bank is making off what 'little ' money I have in the bank. Nobody can talk to me about it, I MUST make an appointment, which I tried, she blew me off. She was too busy. No one can tell me anything on the phone and the only rate offered was XXXX. I know, I should go to another bank, but nobody is offering any money unless you want to open a CD account. I have to keep my funds 'liquid ', so that's unacceptable. Now, the bank does have a 'product ' where they pay amble amounts of interest but I would have to have $ XXXX in the bank, and any other money I have would not be insured by FDIC XXXX so they would be 'unregistered funds '. I have been trying to get information from this bank since last XXXX, but no one will talk to me unless I make an appointment, which they conveniently blew off the last time I made an appointment. There is no escalation, there is no one I can complain to.","date_sent_to_company":"2023-07-27T20:15:00.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"89139","tags":"Older American","has_narrative":true,"complaint_id":"7313692","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-07-27T19:49:27.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["The interest rate currently is 5 %, this is <em>what</em> the bank is making off <em>what</em> 'little ' money I have in the bank. Nobody can talk to me about it, I MUST make an appointment, which I tried, she blew me off. She was too busy. No one can tell me <em>anything</em> on the phone and the only rate offered was XXXX. I know, I should <em>go</em> to another bank, but nobody is offering any money <em>unless</em> you want to open a CD account. I have to keep my funds 'liquid ', so that's unacceptable."]},"sort":[15.433849,"7313692"]},{"_index":"complaint-public-v1","_id":"3434836","_score":15.187535,"_source":{"product":"Mortgage","complaint_what_happened":"I have been contacted several times by a particular agent with Freedom Mortgage, XXXX XXXX XXXX. ( ID # XXXX ). This particular person contacted me asking if saving {$20.00} or {$75.00} on my mortgage payment monthly sounded like a good savings. I replied and told him neither as I would not be interested unless I could save about {$200.00}. He then proceeded to ask what I would like my payment to be at. I responded and said below {$100000.00}. he came back and said what if I could do {$1000.00}, I said no. Then he said about $ XXXXI said no. then he said {$990.00}? I again said no thank you. He proceeded to tell me about the loan process and refinancing option that I had. I kindly told him that I was looking around at other mortgage companies because Freedom Mortgage screwed me over about a year or so. I told him what happened and he said that he can assure it would not happen to me this time around. I told him I was weary based on the information he was providing me around the escrow analysis process. ( This is how I got XXXX  last time ) He offered to send me the documents to review the numbers and terms of the loan, I said great. Mind you throughout our conversation he kept saying \" I don't think you understand what I am saying, let me re-explain '' he said this about three or four times throughout our conversation. He was not listening to my questions nor what I was saying because he had tunnel vision of a possible close on a refi. I had to tell him three times to get off the phone to send me the documentation and I would be in touch. He kept going! What part of I am not interested at this time don't you understand. I finally hung up. I got an email that says, please review and sign your loan documents. WHAT?! I didn't agree to anything first of all. I can not view the documents unless I start signing them. Then I got a follow up email that says \" URGENT- reminder to e-sign your loan documents '' I AGAIN can not view anything without signing documents. I am so disgusted with this company at this point and how aggressive this person was then lied to get the loan documents in my email and con me into signing something I said multiple times that I didn't want to do. I can not wait till rates come back down, because I am done with them. I will not be treated this way nor be conned into something I said I didn't want to do. I want to ensure there is no loan documents in process. I do not want to refinance and I would prefer they stop cold-calling me and lying.","date_sent_to_company":"2019-11-11T16:16:04.000Z","issue":"Closing on a mortgage","sub_product":"Other type of mortgage","zip_code":"23322","tags":null,"has_narrative":true,"complaint_id":"3434836","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Freedom Mortgage Company","date_received":"2019-11-11T15:46:24.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Mind you throughout our conversation he kept saying \" I don't think you <em>understand</em> <em>what</em> I am saying, let me re-explain '' he said this about three or four times throughout our conversation. He was not listening to my questions nor <em>what</em> I was saying because he had tunnel vision of a possible close on a refi. I had to tell him three times to get off the phone to send me the documentation and I would be in touch. He kept <em>going</em>! <em>What</em> part of I am not interested at this time don't you <em>understand</em>."]},"sort":[15.187535,"3434836"]},{"_index":"complaint-public-v1","_id":"14419542","_score":14.928824,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/year>, I was doing what I thought would be a normal routine credit checkjust trying to stay on top of my finances and protect my score. But then I saw something that stopped me in my tracks : a hard inquiry from a company called XXXX XXXX. And my first thought was Who?? \n\nSeriously, I was completely confused and honestly kind of alarmed. Ive never knowingly applied for anything with XXXX XXXX credit card, no loan, nothing. It felt like someone knocked on the door to my financial life and walked in without asking. \n\nI immediately started digging to figure out what was going on. I reached out to the company asking for a few simple things : What did I supposedly apply for? \nWhy was my credit pulled? \nWhere is the proof that I ever gave permissionany form, document, or digital agreement? \nHow and when did this so-called application happen? \n\nAnd yet nothing. No explanation, no receipts, no evidence. Just radio silence. \n\nLook, I know my rights under the Fair Credit Reporting Act ( FCRA ) specifically 15 U.S.C. 1681band unless I gave clear permission, this inquiry shouldnt even be there. Im not trying to be difficult ; I just want whats fair. If XXXX XXXX cant show that I said yes, then Im asking for one simple thing : remove the inquiry from my credit reportimmediately.\n\nBecause right now, I feel like Im being held responsible for something I didnt ask for, didnt approve, and still dont fully understand.","date_sent_to_company":"2025-08-20T20:50:09.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"60660","tags":null,"has_narrative":true,"complaint_id":"14419542","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-02T18:12:46.000Z","state":"IL","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Look, I know my rights under the Fair Credit Reporting Act ( FCRA ) specifically 15 U.S.C. 1681band <em>unless</em> I gave clear permission, this inquiry shouldnt even be there. Im not trying to be difficult ; I just want <em>whats</em> fair. If XXXX XXXX cant show that I said yes, then Im asking for one simple thing : remove the inquiry from my credit reportimmediately.\n\nBecause right now, I feel like Im being held responsible for something I didnt ask for, didnt approve, and still dont fully <em>understand</em>."]},"sort":[14.928824,"14419542"]},{"_index":"complaint-public-v1","_id":"9087522","_score":14.63645,"_source":{"product":"Mortgage","complaint_what_happened":"Our mortgage was sold shortly after we closed on it in XXXX of XXXX. It was sold to XXXX, which is serviced by Volunteer Mortgage. We have had ongoing issues with them, beginning with them purchasing forced placed insurance using our escrow account, which made it short of funds. We did not need them to force place insurance. We had insurance that was up to date and had not expired ; and when it did expire, it was renewable at about XXXX of what the forced placed insurance premium was. \n\nIn the meantime, they kept sending notices indicating the escrow account was short of funds by over {$1300.00}. We didn't understand what was happening and why, at first. We began making additional payments every month to make up the difference, which created a nightmare with some of our other creditors because we were on a tight budget, due to the changed economy. \n\nWhen my wife discovered what had happened -- the mortgage servicer failed to realize they had done anything wrong- it took a XXXX XXXXXXXX to try to explain it to them. In the meantime, they reported our delinquent payments to the credit agencies and, they still fail to understand that they aren't even supposed to buy forced placed insurance, because we have an escrow account. If for some reason, there isn't enough money to cover the premium, they are supposed to cover it and bill us for the deficiency. Unless our insurance was cancelled for something other than non payment, they can't do that. They still fail to realize it. \n\nIn the meantime, due to extra payments going to them, our credit is back in the XXXX. It was horrible from about XXXX, due to the untimely death of our XXXX XXXX XXXX daughter in a XXXX XXXX  that took a toll on us, the judicial portion took forever and we just didn't care. We never thought wed be able to buy a home again and now that we have, we are regretting it due, in large part, to the servicing. \n\nWe have come to the conclusion that they send us convoluted information on purpose so that we don't understand where our money is going. They give us advice and then all of a sudden we are in a loan modification situation. Our trust has gone out the window. We have owned several other homes and have never had this issue with a servicer. \n\nThey charged us {$200.00} for an attorney fee. When I asked what that was for, back in XXXX, they told us it was \" in case you want to do a loan modification. \" We were also told at that time that we didn't qualify for a loan modification. \n\nWe have also been continually charged {$20.00} per month, evidently for some guy to come by to make sure we live here. Really? Where else would we live? Junk fee? \n\nAlso, the statements show all money going in and out of escrow in ways we do not understand. What in the world is \" walk in cash ''? I know we aren't walking it in and if someone else is... who is it and why? \n\nThey sent us an annual escrow accounting with anticipated, actual and difference and it made zero sense. Nothing added up correctly. Its like they have someone who knows nothing about mortgages or accounting and just willy nilly plugging in numbers. And why is all money running through escrow? That is for insurance and taxes only -- there should be separate accounts for held payments ( if it is a partial payment or whatever ) Our dog could do a more clear accounting of our mortgage. It is scary that they are still doing the same things and we still do not understand nor trust them.","date_sent_to_company":"2024-05-23T04:36:33.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"378XX","tags":"Older American","has_narrative":true,"complaint_id":"9087522","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Volunteer Mortgage Loan Servicing","date_received":"2024-05-23T03:38:56.000Z","state":"TN","company_public_response":null,"sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["When my wife discovered <em>what</em> had happened -- the mortgage servicer failed to realize they had done <em>anything</em> wrong- it took a XXXX XXXXXXXX to try to explain it to them. In the meantime, they reported our delinquent payments to the credit agencies and, they still fail to <em>understand</em> that they aren't even supposed to buy forced placed insurance, because we have an escrow account."]},"sort":[14.63645,"9087522"]},{"_index":"complaint-public-v1","_id":"1695933","_score":14.219742,"_source":{"product":"Payday loan","complaint_what_happened":"I received a loan from Advance America, XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX, XXXX, Fax XXXX. I got myself trap in the unrelenting cycle, but paid as required every month. My wife lost job and I had to make some financial decisions. I am on a small SSI income. My first order of business was to find a way to get out from under this cycle. I found a program thru a debt relief XXXX. They contacted Advance to negotiate an agreement to paying off the loan. Advance refused to speak with them even under a POA. We could not understand why. XXXX contacted me and ask me to go in a request a rect of balance and fax it to them, they in turn would cut a check and mail it to Advance attached to rect. I contacted Advance and they would not give a rect of bal unless I came in and made arrangements to pay the bal of {$500.00} off. I explained to them again my situation and I was not trying to renig on my obligation but getting help to pay them off. They refused to speak further on the subject and refused to mail or allow me to come in and pick up the needed rect of bal. Is there not some law that at least allows the consumer right to request documented proof of what is owed? This can be resolved today if they would give me that rect. it seems they are trying to keep me locked in to their contract. What can I do? XXXX said Advance told them they would not talk or give them anything, even with a POA. I feel I am being manipulated and my rights are being violated when I have resolved a means to this end. Thank you, can you help me resolve this matter? XXXX XXXX","date_sent_to_company":"2015-12-14T21:58:53.000Z","issue":"Can't stop charges to bank account","sub_product":null,"zip_code":"454XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"1695933","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Advance America, Cash Advance Centers, Inc.","date_received":"2015-12-14T21:58:52.000Z","state":"OH","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["We could not <em>understand</em> why. XXXX contacted me and ask me to <em>go</em> in a request a rect of balance and fax it to them, they in turn would cut a check and mail it to Advance attached to rect. I contacted Advance and they would not give a rect of bal <em>unless</em> I came in and made arrangements to pay the bal of {$500.00} off. I explained to them again my situation and I was not trying to renig on my obligation but getting help to pay them off."]},"sort":[14.219742,"1695933"]},{"_index":"complaint-public-v1","_id":"7560704","_score":13.870413,"_source":{"product":"Debt collection","complaint_what_happened":"I received a letter of collections from NCS two years after I moved out of an apartment. I did sign the lease for the year in question, however, never received any notice of anything as i had left and my ex stayed in the house. Upon this notice I proceeded to request via call on XX/XX/XXXX of XXXX  a validation of the debt as I never received notice and had no knowledge of what the debt was. I proceeded to send a letter as well to come to a common ground. On XXXX XXXX XXXX I received a breakdown of charges all addressed to the primary lease holder and not myself, which only validated XXXX of the XXXX they are trying to collect on. On XX/XX/XXXX of XXXX  I received a return call from NCS on which I proceeded to inform them I only received 2 pages of the original contract and only see about XXXX of validated charges. I requested the full lease and for them to validate the other charges. XXXX ( the rep ) proceeded to ask me to leave a voicemail for his XXXX in which he would call me back. With no response, I then received a letter in the mail on XX/XX/XXXX of 2023, informing me that due to lack of contact they will be reporting me unless I reach back out. I feel this is incomplete validation of debt. We are going on almost 2 months of not being able to provide me with full validation of the debt. I also feel that I am being threatened during this dispute as I have not received contact upon request. Please help me understand my rights.","date_sent_to_company":"2023-09-16T16:32:40.000Z","issue":"False statements or representation","sub_product":"Rental debt","zip_code":"60586","tags":null,"has_narrative":true,"complaint_id":"7560704","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2023-09-16T16:04:46.000Z","state":"IL","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["With no response, I then received a letter in the mail on XX/XX/XXXX of 2023, informing me that due to lack of contact they will be reporting me <em>unless</em> I reach back out. I feel this is incomplete validation of debt. We are <em>going</em> on almost 2 months of not being able to provide me with full validation of the debt. I also feel that I am being threatened during this dispute as I have not received contact upon request. Please help me <em>understand</em> my rights."]},"sort":[13.870413,"7560704"]},{"_index":"complaint-public-v1","_id":"5762501","_score":13.534943,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I filed a dispute with XXXX XXXX, they did their investigation and I do not agree with all of the results from their investigation. I'm not requesting money or claiming any type of monetary refund. I'm requesting a more accurate accounting of what really happened. \nAccording to their investigation an account was opened in my name in XXXX. I agree. It also states, \" information was verified as your information and XXXX opened an account. '' Well, this is totally questionable. What information? My name? My social security number? Because the address was not mine, the phone number was not mine, the email was not mine, I asked to see my signature and they couldn't produce anything. What kind of verification system does XXXX have anyway? So the statement that they verified my information is a half truth. \n\nThey claim that \" the card and several additional mailings were mailed in your name to your valid address over the life of the account '', exactly when? I didn't know about the existence of the card until I got a XXXX order to access my wife 's business po box . Nothing came to my home. Once I contacted XXXX about the invoices found in her po box is when XXXX started contacting myself directly at my phone number, my email and my home address. \n\nI feel XXXX is mistaken and what they feel their findings reveal is not correctly interpreted. Double check your findings to make sure it is my address not my wife 's business address, email and cel number. \n\nBottomline, my credit was issued to someone else without my knowledge. Whether I benefited or not is not the question. To that question, I paid the debt in full. \n\nThe issue was ... the issuing of this credit without my knowledge cause problems at the time of my wife 's death due to probate and other circumstances, I had difficulty paying this debt I had no prior knowledge of. But despite all this, I did pay off the debt. I was trying to figure out how to pay it and it took some time. XXXX is just as guilty of causing this confusion as is my late wife. I'm the only one not guilty of anything. Yet I seem to be the only one being punished. The problem is not whether I paid or not, the problem is I didn't pay on time and what was the cause of delay. The cause of delay was not my fault. I should not be penalized for this. XXXX was a participant in the reason for the delay. \nThat is all I'm saying and the report should reflect this. \n\nI think XXXX should reconsider their stance considering that I'm not requesting anything monetary. I'm not sure why the letter is listing refunds, I didn't ask for may money. I just do not want a blemish on my Credit history which I do not feel I deserve. I feel under the circumstances I took care of my credit obligation even though I wasn't fully convinced that the debt was mine. Technically the courts allowed me to pay from my wife 's estate after reviewing my situation. I don't understand why XXXX can not understand what the XXXX XXXX court system understood. \n\nAnyway, this is a matter of principle. I will take legal action if necessary. \nIf that happens I will be looking for monetary gain. \n\nIf XXXX actually has proof, my signature or proof of mailing invoices to my home address for the life of the account, or emails to my email address, etc... instead of claiming to have these records, how about showing it to all of us? \n\nPlease understand, I had to dig deep into my wife 's finances and personal data to find the XXXX XXXX. Once found I contacted XXXX promptly to figure out what it was and how to resolve the situation to the benefit of both parties. If XXXX 's claim is correct and it was being sent to me, I wouldn't. have had to dig for it. \n\nI'm not above apologizing if I'm wrong. There is a chance I could be mistaken but so far, I don't see how. But showing us the record of what XXXX claims to have would finish this dispute promptly. \n\nUnless I see something substantial, I'll not be going away.","date_sent_to_company":"2022-07-12T21:45:22.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90503","tags":null,"has_narrative":true,"complaint_id":"5762501","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-07-12T21:45:18.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["But showing us the record of <em>what</em> XXXX claims to have would finish this dispute promptly. \n\n<em>Unless</em> I see something substantial, I'll not be <em>going</em> away."]},"sort":[13.534943,"5762501"]},{"_index":"complaint-public-v1","_id":"5762485","_score":13.528938,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I filed a dispute with Discover card, they did their investigation and I do not agree with all of the results from their investigation. I'm not requesting money or claiming any type of monetary refund. I'm requesting a more accurate accounting of what really happened. \nAccording to their investigation an account was opened in my name in 2008. I agree. It also states, \" information was verified as your information and Discovered opened an account. '' Well, this is totally questionable. What information? My name? My social security number? Because the address was not mine, the phone number was not mine, the email was not mine, I asked to see my signature and they couldn't produce anything. What kind of verification system does Discover have anyway? So the statement that they verified my information is a half truth. \n\nThey claim that \" the card and several additional mailings were mailed in your name to your valid address over the life of the account '', exactly when? I didn't know about the existence of the card until I got a Court order to access my wife 's business po box . Nothing came to my home. Once I contacted Discover about the invoices found in her po box is when Discover started contacting myself directly at my phone number, my email and my home address. \n\nI feel Discover is mistaken and what they feel their findings reveal is not correctly interpreted. Double check your findings to make sure it is my address not my wife 's business address, email and cel number. \n\nBottomline, my credit was issued to someone else without my knowledge. Whether I benefited or not is not the question. To that question, I paid the debt in full. \n\nThe issue was ... the issuing of this credit without my knowledge cause problems at the time of my wife 's death due to probate and other circumstances, I had difficulty paying this debt I had no prior knowledge of. But despite all this, I did pay off the debt. I was trying to figure out how to pay it and it took some time. Discover is just as guilty of causing this confusion as is my late wife. I'm the only one not guilty of anything. Yet I seem to be the only one being punished. The problem is not whether I paid or not, the problem is I didn't pay on time and what was the cause of delay. The cause of delay was not my fault. I should not be penalized for this. Discover was a participant in the reason for the delay. \nThat is all I'm saying and the report should reflect this. \n\nI think Discover should reconsider their stance considering that I'm not requesting anything monetary. I'm not sure why the letter is listing refunds, I didn't ask for may money. I just do not want a blemish on my Credit history which I do not feel I deserve. I feel under the circumstances I took care of my credit obligation even though I wasn't fully convinced that the debt was mine. Technically the courts allowed me to pay from my wife 's estate after reviewing my situation. I don't understand why Discover can not understand what the XXXX XXXX court system understood. \n\nAnyway, this is a matter of principle. I will take legal action if necessary. \nIf that happens I will be looking for monetary gain. \n\nIf Discover actually has proof, my signature or proof of mailing invoices to my home address for the life of the account, or emails to my email address, etc... instead of claiming to have these records, how about showing it to all of us? \n\nPlease understand, I had to dig deep into my wife 's finances and personal data to find the Discover Debt. Once found I contacted Discover promptly to figure out what it was and how to resolve the situation to the benefit of both parties. If Discover 's claim is correct and it was being sent to me, I wouldn't. have had to dig for it. \n\nI'm not above apologizing if I'm wrong. There is a chance I could be mistaken but so far, I don't see how. But showing us the record of what Discover claims to have would finish this dispute promptly. \n\nUnless I see something substantial, I'll not be going away.","date_sent_to_company":"2022-07-12T21:45:07.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90503","tags":null,"has_narrative":true,"complaint_id":"5762485","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2022-07-12T20:10:36.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["But showing us the record of <em>what</em> Discover claims to have would finish this dispute promptly. \n\n<em>Unless</em> I see something substantial, I'll not be <em>going</em> away."]},"sort":[13.528938,"5762485"]},{"_index":"complaint-public-v1","_id":"9902374","_score":13.487793,"_source":{"product":"Credit card","complaint_what_happened":"i opened a XXXX XXXX synchrony credit card in XXXX of XXXX. I used it then to buy a bedroom set and paid it off all fine with no interest. unless im looking to buy furniture im not able to use it for anything else. i just got a notification from my credit report saying my account was closed on XX/XX/XXXX which was news to me because i received no notice of it closing. i actually got an email from them on XX/XX/XXXX under 3 weeks before this with an important notice of promotional financing offers that may be available for you when you use your XXXX XXXX credit card for future purchases and advising me of my APR. seems whack that they would email me that and then proceed to close my account. \ni called the customer service today XX/XX/XXXX trying to figure out what was going on and they said my account was closed due to inactivity. i admit that i havent used the card in a couple years but again, i can only use it at XXXX and havent needed furniture but if i was given a notice that it was going to close then i would have used the card. funny thing is, i just moved and actually was planning on going to XXXX soon. i am frustrated because due to them closing my account with no warning im loosing that account, that part of my average credit age, and my total credit limit has decreased which is going to be a major impact on my credit score that ive been working really hard on. while on the phone with customer service they said i understand your upset and that this was happening to a lot of customers ( theyre credit accounts closing with no notice ) and that theres nothing she could do. when i would ask more questions she just kept saying the exact same thing over and over like reading a script. i asked to speak with someone higher up might actually be able to help me reopen my account and she just said her manager would just tell me the same thing. before the call started it said there would be a survey after but when we were done she promptly hung up with no survey.","date_sent_to_company":"2024-08-23T18:41:33.000Z","issue":"Closing your account","sub_product":"Store credit card","zip_code":"98040","tags":null,"has_narrative":true,"complaint_id":"9902374","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2024-08-23T18:27:40.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["i called the customer service today XX/XX/XXXX trying to figure out <em>what</em> was <em>going</em> on and they said my account was closed due to inactivity. i admit that i havent used the card in a couple years but again, i can only use it at XXXX and havent needed furniture but if i was given a notice that it was <em>going</em> to close then i would have used the card. funny thing is, i just moved and actually was planning on <em>going</em> to XXXX soon. i am frustrated because due to them closing my account with no warning im loosing"]},"sort":[13.487793,"9902374"]},{"_index":"complaint-public-v1","_id":"7473752","_score":13.278098,"_source":{"product":"Credit card","complaint_what_happened":"I contacted XXXX XXXX XXXX on XX/XX/2023, after receiving an alert that my payment was past due. I didn't understand why I had not received a paper copy of my statement. The representative I spoke with waived the {$39.00} late fee. However, she was unable to explain why I did not receive a bill. Initially she told me I was on paperless billing as the reason. I did not sign up for paperless billing. I use my mailed bills to determine when to pay. I have all my other statements coming on paper. She told me I should get a paper bill as well. She also told me that I should get electronic billing, which I don't. She was all over the place. When I started asking more questions, the story kept changing. She even tried to change my story, telling me what I said. I requested a supervisor. I planned to pay my bill off on time every month. The supervisor took the call. I told her that I wanted the recording reviewed, so she could let me know why the representative said what she said. She explained they do not review recordings unless it has to do with a problem with the account. I told her the problem and that I had to go. I asked her to review the information and contact me back. She told me to call back and did not say she would flag the call or anything. Since it was so difficult to explain why my billing is or is not paperless, it should be paperless as I explained to the representative. I got charged two late fees of {$39.00} and {$28.00} and two finance charges of {$60.00} and {$48.00}. I paid the balance up minus the charges of {$190.00}. It is very upsetting when you can not get the proper assistance. I believe the charges I have remaining should be removed.","date_sent_to_company":"2023-09-28T18:16:31.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"48044","tags":null,"has_narrative":true,"complaint_id":"7473752","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-08-30T21:07:44.000Z","state":"MI","company_public_response":null,"sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["She even tried to change my story, telling me <em>what</em> I said. I requested a supervisor. I planned to pay my bill off on time every month. The supervisor took the call. I told her that I wanted the recording reviewed, so she could let me know why the representative said <em>what</em> she said. She explained they do not review recordings <em>unless</em> it has to do with a problem with the account. I told her the problem and that I had to <em>go</em>. I asked her to review the information and contact me back."]},"sort":[13.278098,"7473752"]},{"_index":"complaint-public-v1","_id":"8982084","_score":13.132782,"_source":{"product":"Credit card","complaint_what_happened":"ON XX/XX/2024 I went to my local shell station ( where I normally get gas up ), and put my shell card into the gas pump to pump gas ( To fill up ), as I normally do and the card was declined, the pump gave a message that said, \" see cashier ''. So I went into the station and gave the card to the clerk she said \" go ahead and fill up, she would slide the card when I got through pumping gas '' .So after filling up I went back in and the card was declined again ... SO I called the number on the back of the card and a rep ( female ) came on the phone and I asked here what seems to be the problem with my credit card. She asked me a bunch of security questions and then told me after about 40 minutes on the phone, that I would be receiving a communication from them and when I get it, fill out the form and fax it back. I still don't ' know why the card was declined, it was paid up, ( current ), never received a letter about anything ( XXXX ) or anything like that, never been late with a payment, always paid the bill on time each month ( early as a matter of fact every month ). I go to noticing my paper statement and it has the last four digits listed on statement shows different than the last four numbers on the card, why I don't know. But, it's been that way since I've had the credit card and I have never had any problems before. I ask them to tell me why the card was declined and they would not tell me unless I receive the form, fill it out then return the info ( By fax ), then go from there. It's been about a month since I have used the card and I have {$670.00} available credit if I need it, and i only use it from time to time to pay for gas at the pump. I called XXXX to \" Try '' and discuss with Corporate employees the reason why the card was declined at the XXXX XXXX, and could not speak to anyone, ( don't ' know why ). I was a victim of credit card fraud on XXXX other credit cards two weeks ago ( New cards were issued ). I tried to speak to another rep, but could not understand their speech...","date_sent_to_company":"2024-05-15T20:23:46.000Z","issue":"Trouble using your card","sub_product":"Store credit card","zip_code":"394XX","tags":"Older American","has_narrative":true,"complaint_id":"8982084","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-05-10T14:18:24.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["I tried to speak to another rep, but could not <em>understand</em> their speech..."]},"sort":[13.132782,"8982084"]},{"_index":"complaint-public-v1","_id":"6335203","_score":13.125832,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/2022 I got a fraudulent charge from horoscope girls for {$39.00} on XX/XX/XXXX. I reported it to cash app which was where the transaction happened. They sent me an email inform me that they did receive my dispute and would be working on it and then I called him about a 2 week later and asked him in regards to a provisional credit from them due to the fact that I had received an email on XX/XX/XXXX and the 20this when investigating what is complete, and that my provisional credit was permanent stating however, when I went to go look at my transaction history and my statement for the month of XXXX, I saw no transaction for {$39.00}. I sent them screenshots of my statement and I said the screenshot of my transaction history and I got several different responses. XXXX was they had already saw the transaction give it to me on XXXX XXXX XXXX was that they sought on XXXX XXXX then XXXX told me to file a police report and then another one told me that there was nothing else they could do and then the last ones on the chat Service informed me that I need to go and try to download the transaction list and the statements and look at that every transaction should be documented on my account to use The thing I was wanting to know is, where was the provisional credit said no TRANSACTION ITSELF shown on my transaction history or my bank statement for the month of XXXX. Neither XXXX of them show any kind of refund for {$39.00} refunded me the money for {$39.00}. They informed me that before it became permanent I spent the money every transaction unless it didnt go through HAS TO BE DOCUMENTED I understand it can take up to 45 days for them to investigate it but see that I got an email saying that they went through the investigation and verify that I got my provisional credit and that it was permanent. Where is the transaction no refund transaction listed they anywhereboth of them saying the same thing with XXXX different dates and I dont see anything on my statement nor on my transaction history I want my money and pain and suffering for stressing me out and taking up XXXX of my day trying to find out where this transaction is visually located and I have a XXXXXXXX XXXX so I do not have time to be sitting here chatting with them. They need to get a phone support system that works I called the number they have, and they were no better about providing me information. And before they even say anything, XXXX is the name, I use on cash app to protect my privacy. I feel like I should have press charges against him for fraud and theft but Id be pretty petty of me by submitting a police report for {$39.00} seeing that they told me I should.","date_sent_to_company":"2022-12-18T21:11:17.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"39401","tags":"Servicemember","has_narrative":true,"complaint_id":"6335203","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2022-12-18T20:18:57.000Z","state":"MS","company_public_response":null,"sub_issue":"Money was taken from your account on the wrong day or for the wrong amount"},"highlight":{"complaint_what_happened":["They informed me that before it became permanent I spent the money every transaction <em>unless</em> it didnt <em>go</em> through HAS TO BE DOCUMENTED I <em>understand</em> it can take up to 45 days for them to investigate it but see that I got an email saying that they went through the investigation and verify that I got my provisional credit and that it was permanent."]},"sort":[13.125832,"6335203"]},{"_index":"complaint-public-v1","_id":"12271851","_score":13.034083,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have never had an account with XXXX XXXX nor have I signed a contract or accepted anything from this company. If this company or the Bureaus refuse to delete this account I will enforce my right to sue under all avenues. I have received the dispute results that your company has sent me, however, they have failed to make ANY corrections whatsoever NOTHING WAS CORRECTED ZERO, ZILCH, NADA. So, Im just so XXXXXXXX XXXX XXXX XXXX XXXX  and hurt right now. Because while I understand that it may not necessarily be your fault, the fact of the matter is that this agency is still reporting and selling inaccurate information about me even though there are credit reporting laws which are supposed to ensure they report only accurate credit information. Your agency has blatantly ignored my dispute and have responded to me with these accounts being updated or remaining. Nonetheless, I have found 0 updates and have contacted creditors who have confessed to having no record of a dispute about me from your agency. This makes me absolutely sick to my stomach as Im sure it would the same for you if you were in my shoes! Regardless of what, Im writing to let you know that Ive been advised by legal counsel that Im entitled to recover money damages because of this.\n\nEvery last one of these accounts are reporting information which varies from bureau to bureau so that in and of itself proves that these accounts are reporting inaccurately AND ALSO for some of them - I'm not even sure what they are so by the provisions of 15 USC, section 168li of the Fair Credit Reporting Act, I demand a re-investigation and deletion of these accounts and if you or your agency refuses to do so, I demand the names and addresses of the Resident Agent or Corporate Officers of this agency who are going to accept the responsibility of your actions in this matter. Unless immediately notified otherwise, Im going to assume that 30 days constitutes more than enough Reasonable Time for the re-investigation and correction of my credit report. I'm entitled to validation of this account and not the E-Oscar verification that you're doing to make money from this account and your refusal to delete. I'm entitled to a contract which is something the courts will ask for when I take this case before this upon the refusal to delete this account which doesn't belong to m.e.","date_sent_to_company":"2025-03-01T14:37:34.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"62002","tags":null,"has_narrative":true,"complaint_id":"12271851","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-01T14:37:10.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["agency who are <em>going</em> to accept the responsibility of your actions in this matter."]},"sort":[13.034083,"12271851"]},{"_index":"complaint-public-v1","_id":"12271810","_score":13.034083,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have never had an account with XXXX XXXX nor have I signed a contract or accepted anything from this company. If this company or the Bureaus refuse to delete this account I will enforce my right to sue under all avenues. I have received the dispute results that your company has sent me, however, they have failed to make ANY corrections whatsoever NOTHING WAS CORRECTED ZERO, ZILCH, NADA. So, Im just so XXXX XXXX XXXX XXXX XXXX  and hurt right now. Because while I understand that it may not necessarily be your fault, the fact of the matter is that this agency is still reporting and selling inaccurate information about me even though there are credit reporting laws which are supposed to ensure they report only accurate credit information. Your agency has blatantly ignored my dispute and have responded to me with these accounts being updated or remaining. Nonetheless, I have found 0 updates and have contacted creditors who have confessed to having no record of a dispute about me from your agency. This makes me absolutely sick to my stomach as Im sure it would the same for you if you were in my shoes! Regardless of what, Im writing to let you know that Ive been advised by legal counsel that Im entitled to recover money damages because of this.\n\nEvery last one of these accounts are reporting information which varies from bureau to bureau so that in and of itself proves that these accounts are reporting inaccurately AND ALSO for some of them - I'm not even sure what they are so by the provisions of 15 USC, section 168li of the Fair Credit Reporting Act, I demand a re-investigation and deletion of these accounts and if you or your agency refuses to do so, I demand the names and addresses of the Resident Agent or Corporate Officers of this agency who are going to accept the responsibility of your actions in this matter. Unless immediately notified otherwise, Im going to assume that 30 days constitutes more than enough Reasonable Time for the re-investigation and correction of my credit report. I'm entitled to validation of this account and not the E-Oscar verification that you're doing to make money from this account and your refusal to delete. I'm entitled to a contract which is something the courts will ask for when I take this case before this upon the refusal to delete this account which doesn't belong to m.e.","date_sent_to_company":"2025-03-01T14:37:36.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"62002","tags":null,"has_narrative":true,"complaint_id":"12271810","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-01T14:37:10.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["agency who are <em>going</em> to accept the responsibility of your actions in this matter."]},"sort":[13.034083,"12271810"]},{"_index":"complaint-public-v1","_id":"12271729","_score":12.988664,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have never had an account with XXXX XXXX nor have I signed a contract or accepted anything from this company. If this company or the Bureaus refuse to delete this account I will enforce my right to sue under all avenues. I have received the dispute results that your company has sent me, however, they have failed to make ANY corrections whatsoever NOTHING WAS CORRECTED ZERO, ZILCH, NADA. So, Im just so XXXX XXXX XXXXnd XXXX XXXX and hurt right now. Because while I understand that it may not necessarily be your fault, the fact of the matter is that this agency is still reporting and selling inaccurate information about me even though there are credit reporting laws which are supposed to ensure they report only accurate credit information. Your agency has blatantly ignored my dispute and have responded to me with these accounts being updated or remaining. Nonetheless, I have found 0 updates and have contacted creditors who have confessed to having no record of a dispute about me from your agency. This makes me absolutely sick to my stomach as Im sure it would the same for you if you were in my shoes! Regardless of what, Im writing to let you know that Ive been advised by legal counsel that Im entitled to recover money damages because of this. \nEvery last one of these accounts are reporting information which varies from bureau to bureau so that in and of itself proves that these accounts are reporting inaccurately AND ALSO for some of them - I'm not even sure what they are so by the provisions of 15 USC, section 168li of the Fair Credit Reporting Act, I demand a re-investigation and deletion of these accounts and if you or your agency refuses to do so, I demand the names and addresses of the Resident Agent or Corporate Officers of this agency who are going to accept the responsibility of your actions in this matter. Unless immediately notified otherwise, Im going to assume that 30 days constitutes more than enough Reasonable Time for the re-investigation and correction of my credit report. I'm entitled to validation of this account and not the E-Oscar verification that you're doing to make money from this account and your refusal to delete. I'm entitled to a contract which is something the courts will ask for when I take this case before this upon the refusal to delete this account which doesn't belong to m.e.","date_sent_to_company":"2025-03-01T14:37:36.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"62002","tags":null,"has_narrative":true,"complaint_id":"12271729","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-01T14:37:10.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["agency who are <em>going</em> to accept the responsibility of your actions in this matter."]},"sort":[12.988664,"12271729"]},{"_index":"complaint-public-v1","_id":"7994162","_score":12.95054,"_source":{"product":"Checking or savings account","complaint_what_happened":"Transactions : {$1300.00} : XXXX XXXX XXXX XXXX XXXX$1500.00} : XXXX XXXX XXXX {$500.00} : XXXX XXXX XXXX Paid {$1300.00} deposit for moving agency to move my things that in contract states it will go towards the move. The moving agency used third party movers which was not explained to me. The movers were rude, late, and did not move all my items resulting in me having to dispose of my property. The movers told me I owed more for the move than what was initially agreed on which did not make sense because they left items. The mover had me sign a paper and stated I could pay once I resolved my issue with agent about discount for move. Once the moving agency received payment I rarely herd back from them in regards to anything I called for a week and there was no response or resolution. The second week the movers call me threatening to sell my property unless they received a payment. Their contract clearly stated no payment should be made if youre in a dispute process which I was. I explained and sent a picture of contract. The movers could care less. The movers were rude and when I would call would ignore it but send me a text. They argued with me through text after business hours. I was given XXXX to pay them XXXX dollars book a flight to XXXX, get a uhual and move my things myself, mind you XXXX in south Florida XXXX I asked about the XXXX going towards the XXXX and she said no although it states in the contract it does. At this point I was forced into paying the ransom in order to get my things. I paid XXXX for a move that did not happen and still had to pay for a flight, uhual and gas XXXX XXXX my stuff all the way down FL which was close to an additional XXXX. I understand that contract say non- refundable however the service was never completed so now it is considered fraud.","date_sent_to_company":"2023-12-13T17:05:01.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"33065","tags":"Servicemember","has_narrative":true,"complaint_id":"7994162","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2023-12-13T16:40:30.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["The movers told me I owed more for the move than <em>what</em> was initially agreed on which did not make sense because they left items. The mover had me sign a paper and stated I could pay once I resolved my issue with agent about discount for move. Once the moving agency received payment I rarely herd back from them in regards to <em>anything</em> I called for a week and there was no response or resolution. The second week the movers call me threatening to sell my property <em>unless</em> they received a payment."]},"sort":[12.95054,"7994162"]},{"_index":"complaint-public-v1","_id":"3122375","_score":12.811827,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I called on XX/XX/XXXX to take advantage of a credit transfer for 0 % interest. The agent said it expired on XX/XX/XXXX and said that was on the check. I told her I didn't have a check but a letter. She then stated that we could go ahead and make that transfer on the phone and it was my understanding that I would be receiving the 0 % interest. I asked when the rate would go to the regular rate and she stated XX/XX/XXXX. I asked if it wasn't paid by then would the interest be retroactive and she said it wouldn't. \n\nWhen I received my statement it showed the {$2100.00} that I had transferred was paying an interest rate of 21.24 % vs. the 0 % I had transferred to. My Bank of the West Credit card is XXXX. \n\nI called on XX/XX/XXXX and they said there was nothing they could do at customer service. I asked for a supervisor and spoke with XXXX ( North Dakota ). He said he would have to listen to the XX/XX/XXXX call and would call me back which was fine. Today, XX/XX/XXXX he called me back and said that the agent didn't specifically say 0 % and therefore he couldn't do anything but he would take the transfer fee of {$83.00} (? ) off. I told him that wasn't the point. Bank of the West is my primary bank in XXXX, Kansas and I trust them and felt that my trust was being betrayed. I shared with him my notes that I had written down of 0 % through to XX/XX/XXXX and why would I ask how long the interest rate was good for if it was just a regular rate. He said he understood but because the agent hadn't specifically stated 0 % there was nothing he could do. I asked to speak with his supervisor and he stated she wasn't there but she would call me but she probably wouldn't be able to do anything. Her name was XXXX. I asked if I could get a copy of the taped phone call and he said that was only for internal use. Again he said he understood what I was saying but couldn't do anything. \n\nI called back through a different 800 number for a chance of another person possibly listening to the phone call and with common sense would know that I understood it to be 0 %. I talked with XXXX also in XXXX and she said she would review the call as well but she didn't think there was anything she could do. XXXX and XXXX are both supervisors in the same call center. \n\nI wouldn't have transferred money if I wasn't receiving 0 % which was a great deal. Now I have been hoodwinked when the agent said, \" We can go ahead and make that transfer today. '' Instead the transfer was made with me paying a higher interest rate than the card I transferred it from. It didn't make sense to transfer from one credit card to another unless there was a special interest rate proposition. \n\nI have been treated as if I'm a ignorant person who just didn't understand. I'm very methodical and never would have made this transfer without getting 0 % interest. It's not only the principal of what occurred but in my opinion fraudulent how this transpired. \n\nI appreciate this being looked into. I still hate that my primary bank is who pulled this on me and if not resolved I definitely will look at pulling my accounts from Bank of the West. \n\nThanks, XXXX","date_sent_to_company":"2019-01-17T20:21:20.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"67203","tags":null,"has_narrative":true,"complaint_id":"3122375","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF THE WEST","date_received":"2019-01-11T18:20:11.000Z","state":"KS","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 advertised or promotional terms"},"highlight":{"complaint_what_happened":["It didn't make sense to transfer from one credit card to another <em>unless</em> there was a special interest rate proposition. \n\nI have been treated as if I'm a ignorant person who just didn't <em>understand</em>. I'm very methodical and never would have made this transfer without getting 0 % interest. It's not only the principal of <em>what</em> occurred but in my opinion fraudulent how this transpired. \n\nI appreciate this being looked into."]},"sort":[12.811827,"3122375"]},{"_index":"complaint-public-v1","_id":"8464195","_score":12.735133,"_source":{"product":"Credit card","complaint_what_happened":"I am writing to dispute being charged interest on ALL OF MY REGULAR PURCHASES on American Express-Green. \n\nI have used this card since XXXX, it is a personal card and NOT a business card. I chose this card because anything I charged, I had to pay in full at the end of the monthly billing period, unless I bought anything over {$100.00} which was not often. I was never late with a payment or paid less than billed. \n\nSince they began their app, I have used this to see my purchases and pay the bill. \n\nAs of the XX/XX/XXXX billing ( see attached ), they apparently changed their way of doing business. As of XX/XX/XXXX, someone changed my account to pay over time. ( a diamond shows next to each purchase if it is a pay over time ). This does not show on their app. Also, all the alerts I set were removed ( this does not show on the app ). Since I paid with their app, I had no idea that AMEX arbitrarily made this change. Until it got out of hand in XXXX. \n\nTo me, nothing was unusual until they notified by letter. that someone tried to break into my account. When I received a letter from AMEX informing me of this, I called as instructed. The Customer Service Department was unable to understand me and seemed to be reading a script ( even though I read their letter to them ), I could not understand them and after 45 minutes I was so frustrated I said thank you and hung up. It happened again where someone tried to break into my account and again, I went through the same thing. Never got an answer to what happened. This time, I looked at their website and, in my horror, all my payments were interest only! As of XX/XX/XXXX, all my purchases were being entered into their pay overtime account and the account was reaching upwards of {$17000.00}. Again, I called and could not get anywhere with their Customer Service Department. AMEX only has heavy-accented customers service representatives. They used to have an excellent customer service department. They were unrelenting with their answers to my questions and the facts. I had tried to get answers to no avail. This led me to the internet to find out what happened. Their website states, YOU CHOOSE WHETHER YOU WANT TO PUT ALL CHARGES INTO PAY OVERTIME. I went to their web page and changed it back to what it should be. \n\nThey are charging me close to {$300.00} a month interest on what I thought was paying off each month and entering all my purchases into a pay over time account. I did not agree or choose this. I am more than willing to pay what I would owe without interest and apply all my payments to my account. My payment this month is {$470.00} on {$94.00} worth of charges. \n\nI went to Consumer Credit for help with this and AMEX would not listen to them also.\n\nConsumer Credit and there is a class action lawsuit in California about AMEX and their interest practices.\n\nThis has damaged my credit ( ratio of used credit ), drains every bit of money I must live on, and I can no longer shop online for my necessities. I was never notified of someone or AMEX changing my account in any way, as I would have NEVER AGREED TO IT. I am unable to cancel the card as the hit to my credit record would be horrendous! Also, the time and effort I had to put into finding this problem. I also do not appreciate having to check their website every day for this problem arising again! \n\nWriting all of what I am going through, and my frustration is hard. I hope I have explained it all. \n\nPLEASE HELP! \n\n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-03-03T19:12:42.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"14086","tags":"Older American","has_narrative":true,"complaint_id":"8464195","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-03-03T18:53:02.000Z","state":"NY","company_public_response":null,"sub_issue":"Unexpected increase in interest rate"},"highlight":{"complaint_what_happened":["Writing all of <em>what</em> I am <em>going</em> through, and my frustration is hard. I hope I have explained it all. \n\nPLEASE HELP! \n\n\nSincerely, XXXX XXXX"]},"sort":[12.735133,"8464195"]},{"_index":"complaint-public-v1","_id":"4881773","_score":12.710568,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/2021 When I log into experian to unfreeze my security to make a purchase I get bombarded with purchase options. The link to unfreeze has been removed. I contacted chat support just 5 minutes ago and was told to go to experian.com/freeze. It redirects me after logon to the same pages that keep throwing their sales tactics in my face. They should not be permitted to block my ability to protect my security. Even their staff can not help me find the path to unfreeze. I can purchase credit freeze and that will give me the option. I can see that I am supposed to have the free ability to unfreeze my security, but there is no link to do so. I need to purchase contact lenses and can not do it because this fraudulent company only cares about stealing money through worthless purchases, which I am not going to do. I want the ability to control my security. They have no right to take that control from me. \n\n\n| Chat Support Remember : To protect the private nature of your personal information, please do not share social security numbers, credit card numbers, etc. via chat. \n\nPlease wait while we transfer your chat to the next available agent.XXXX  is your new agent for the chat session. \nXXXX XXXX, who do I have the pleasure of chatting with today? \n\nWhen I log into experien I should be able to freeze or unfreeze my credit. You have hidden or removed that option under an bunch of XXXX sales. \nXXXX XXXX XXXX Thank you, XXXX. I am sorry but what did you purchase, please? \nXXXX XXXX  XXXX XXXX on your site. I don't want anything this ripoff company has to offer. \nXXXX XXXX  I want to unfreeze my credit and that option does not seem to be available unless I purchase something and that is illegal. \nXXXX XXXX XXXX I do not see a purchase that you have made on our website and I understand how you feel but like all companies, we are offering free services as well as paid, it is always your choice. \nXXXX XXXX XXXX where is the credit unlock?????? \nXXXX XXXX  XXXX Security Freeze is for free members and CreditLock is for paid members, you have a Security Freeze. I understand you would like to remove your Security Freeze. In order to complete this request, you will need to go online to www.experian.com/freeze. For security reasons, I am unable to complete this request via chat. You will also need to contact XXXX and XXXX, if you have set it up with them. They can be reached at : XXXX XXXX XXXX XXXX Please copy and paste the link above into a new browser or TAB and select Remove or Lift a Security Freeze. It is Free. \n\nXXXX XXXX Me I am logged into experian, but the only options I have are to purchase XXXX XXXX","date_sent_to_company":"2021-11-18T14:11:46.000Z","issue":"Confusing or missing disclosures","sub_product":"Credit repair services","zip_code":"470XX","tags":null,"has_narrative":true,"complaint_id":"4881773","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-11-06T16:21:37.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I am sorry but <em>what</em> did you purchase, please? \nXXXX XXXX  XXXX XXXX on your site. I don't want <em>anything</em> this ripoff company has to offer. \nXXXX XXXX  I want to unfreeze my credit and that option does not seem to be available <em>unless</em> I purchase something and that is illegal. \nXXXX XXXX XXXX I do not see a purchase that you have made on our website and I <em>understand</em> how you feel but like all companies, we are offering free services as well as paid, it is always your choice."]},"sort":[12.710568,"4881773"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":1126,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":1126}]}},"product":{"doc_count":1126,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":589,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":588},{"key":"Other personal consumer 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