{"took":231,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":243,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"20169310","_score":17.823257,"_source":{"product":"Debt collection","complaint_what_happened":"b'There was a bill due to XXXX  XXXX  for XXXX.  Payment was made to Interpath Labs in the amount of XXXX because that is the amount they said they can collect. XXXXHowever, Columbia Credits said they have this debt for XXXX. If XXXX XXXX  SOLD the debt to Columbia Credits, they cannot collect payment for this medical bill, but they did collect payment (confirmation:  XXXX XXXX XXXX).  XXXXColumbia Credits is claiming I own them XXXX in interest charges.  If they never owned the debt because it was not bought by them, they cannot collect interest charges on any balance.  \\n\\nI do not owe any debt to Columbia Credits, but they refuse to clear out their account.'","date_sent_to_company":"2026-03-11T16:32:50.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"97477","tags":null,"has_narrative":true,"complaint_id":"20169310","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Credits, Incorporated","date_received":"2026-03-11T16:22:31.000Z","state":"OR","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["Payment was <em>made</em> to Interpath Labs in the amount of XXXX <em>because</em> that is the amount they said they can collect. XXXXHowever, Columbia Credits said they have this debt for XXXX. If XXXX XXXX  SOLD the debt to Columbia Credits, they <em>cannot</em> collect payment for this medical bill, but they did collect payment (confirmation:  XXXX XXXX XXXX).  XXXXColumbia Credits is claiming I own them XXXX in interest charges."]},"sort":[17.823257,"20169310"]},{"_index":"complaint-public-v1","_id":"15620000","_score":15.575872,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXXEquifax Information Services LLCXXXX XXXX XXXX  GA XXXXRe: Investigation Request Under FCRA  Inaccurate Information on My Credit Report\\n\\nTo Whom It May ConcernXXXX am writing to formally dispute inaccurate and unverifiable information listed on my Equifax credit file. Under the Fair Credit Reporting Act (15 U.S.C.  1681i), I have the right to request a reinvestigation of these accounts and the removal of any information that cannot be fully verified.XXXXAs you are aware, Equifax was subject to a significant data breach that compromised personal and financial information of millions of consumers, including myself. Because of this breach, I cannot be assured that the negative information reported is accurate, verifiable, or legitimately associated with my account history.\\n\\nThe following accounts are being disputedXXXXXXXX XXXX XXXX XXXX  charged off unverifiable due to breachXXXX XXXX XXXX XXXX   repossession unverifiable due to breach. \\n\\n\\nI request that Equifax conduct a thorough reinvestigation of each of these accounts and provide written verification from the original creditor. If verification cannot be obtained, I expect these items to be deleted from my credit fileXXXXPlease send me the results of your reinvestigation within 30 days, as required by law. I also request an updated copy of my credit report showing the changes made.\\XXXX XXXX XXXX","date_sent_to_company":"2025-08-30T22:16:30.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"31088","tags":null,"has_narrative":true,"complaint_id":"15620000","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-30T21:56:53.000Z","state":"GA","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["If verification <em>cannot</em> be obtained, I expect these items to be deleted from my credit fileXXXXPlease send me the results of your reinvestigation within 30 days, as required by law. I also request an updated copy of my credit report showing the changes <em>made</em>.\\XXXX XXXX XXXX"]},"sort":[15.575872,"15620000"]},{"_index":"complaint-public-v1","_id":"3336873","_score":14.603693,"_source":{"product":"Student loan","complaint_what_happened":"Twice I have made arrangements with Navient to pay $XXXX XXXXo delay my payments and twice they have not taken the prearranged payment and placed it on my credit report. They state that for what ever reason it was not withdrawn from my bank but there were funds available each time in my account. When I seek alternatives to lower my payments or consolidate my loan they tell there is no options. I try to refinance the loans with another company but cannot because the loan is not  current. I feel that the company purposely traps lenders into pay extremely high rates with them and prevents me from seeking other options that are more affordable for me to repay.","date_sent_to_company":"2019-08-11T07:47:16.000Z","issue":"Struggling to repay your loan","sub_product":"Private student loan","zip_code":"604XX","tags":null,"has_narrative":true,"complaint_id":"3336873","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2019-08-11T03:37:59.000Z","state":"IL","company_public_response":null,"sub_issue":"Can't temporarily delay making payments"},"highlight":{"complaint_what_happened":["Twice I have <em>made</em> arrangements with Navient to pay $XXXX XXXXo delay my payments and twice they have not taken the prearranged payment and placed it on my credit report. They state that for what ever reason it was not withdrawn from my bank but there were funds available each time in my account. When I seek alternatives to lower my payments or consolidate my loan they tell there is no options. I try to refinance the loans with another company but <em>cannot</em> <em>because</em> the loan is not  current."]},"sort":[14.603693,"3336873"]},{"_index":"complaint-public-v1","_id":"2776635","_score":13.172875,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXX, I made a payment on my Discover credit card due date, and two payments were pulled from my checking account, in the amount of $XXXX each, totalling $XXXX. I called Discover on XX/XX/XXXX, and the customer service representative said that I would receive a check within 7-10 business days. On XX/XX/XXXX, I still did not receive the check, so I messaged Discover on the app, and the person wrote back stating that I should receive the check within the 7-10 day range. On XX/XX/XXXX, I messaged again because I still hadn't received the check, and the representative wrote back stating that she could issue the refund electronically, but it would take 4-5 days. On XX/XX/XXXX, I messaged again, and the representative said that if receive it on XX/XX/XXXX. Today is XX/XX/XXXX, and the representative is saying that Discover cannot issue a refund because I don't have enough available credit. The extra payment was taken on their error, and my payment was never late.","date_sent_to_company":"2018-01-09T17:48:56.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"03431","tags":null,"has_narrative":true,"complaint_id":"2776635","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2018-01-09T17:30:12.000Z","state":"NH","company_public_response":null,"sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX, I messaged again <em>because</em> I still hadn't received the check, and the representative wrote back stating that she could issue the refund electronically, but it would take 4-5 days. On XX/XX/XXXX, I messaged again, and the representative said that if receive it on XX/XX/XXXX. Today is XX/XX/XXXX, and the representative is saying that Discover <em>cannot</em> issue a refund <em>because</em> I don't have enough available credit. The extra payment was taken on their error, and my payment was never late."]},"sort":[13.172875,"2776635"]},{"_index":"complaint-public-v1","_id":"17325635","_score":13.172875,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"b'I am filing this complaint because [XXXX  / Equifax / XXXX] has willfully ignored its duties under the Fair Credit Reporting Act (15 U.S.C.  1681i). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e(b). Courts have made it clear that consumers cannot be left with inaccurate credit reports: in Sessa v. TransUnion, LLC (2023), the court held inaccuracies must be corrected whether factual or legal; in Kirtz (2024), the Supreme Court reaffirmed broad FCRA liability; and in Norman v. TransUnion (2023), TransUnion paid XXXX XXXX after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged.\\n\\nAccounts to Be DeleteXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-11-18T19:57:38.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30542","tags":null,"has_narrative":true,"complaint_id":"17325635","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-18T19:44:00.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["b'I am filing this complaint <em>because</em> [XXXX  / Equifax / XXXX] has willfully ignored its duties under the Fair Credit Reporting Act (15 U.S.C.  1681i). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e(b). Courts have <em>made</em> it clear that consumers <em>cannot</em> be left with inaccurate credit reports: in Sessa v."]},"sort":[13.172875,"17325635"]},{"_index":"complaint-public-v1","_id":"13111590","_score":13.080073,"_source":{"product":"Credit card","complaint_what_happened":"b'I applied for their credit card and for verification purposes, they asked a bunch of documents from me. Front/back of my SSN card, bank statement, lease agreement, paystubs, driver\\'s license, which I all sent them in through fax as they don\\'t accept any documents via email. Their fax number is XXXX XXXX XXXX  Despite doing so, they just refused my application and when I called and asked for the reason, the lady told me that they refused the application because \"they couldn\\'t verify my identity\". I don\\'t understand how they cannot verify my identity when I sent them all the documents they asked from me and this is not the first time they did this. Back in XXXX I applied for their another credit card and they made me go through the same verification process and they gave me the same reason. I don\\'t think this is right at all.'","date_sent_to_company":"2025-04-22T18:36:57.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"07307","tags":null,"has_narrative":true,"complaint_id":"13111590","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2025-04-22T18:29:15.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["Their fax number is XXXX XXXX XXXX  Despite doing so, they just refused my application and when I called and asked for the reason, the lady told me that they refused the application <em>because</em> \"they couldn\\'t verify my identity\". I don\\'t understand how they <em>cannot</em> verify my identity when I sent them all the documents they asked from me and this is not the first time they did this."]},"sort":[13.080073,"13111590"]},{"_index":"complaint-public-v1","_id":"18296592","_score":12.920499,"_source":{"product":"Credit card","complaint_what_happened":"b'On XXXX XXXX I made a payment on my Capital One credit card. I was using my app. I had my daughter XXXX  account information ion the app for years. Her information was there because we made a payment so she could retain an attorney for a custody issue with our grandson XXXX. We put her information on the app so she could make payments on the account. She paid it in full and I never took her account information off the app in case something else came up. On XXXX I mistakenly hit the wrong account. I didnt notice this until I received a late fee for non payment. I immediately remade the $XXXX payment and they had reversed the payment from my account. I didnt think anything about it until after I made an additional $XXXX payment and they put a restriction on both of my accounts. I called and explained it was a mistake and that I have been estranged from my daughter for two years and I cannot contact her. They can look at the history of the accounts and see many payments from that account. They want the statement showing that payment and to have both my daughter and I on the line to tell them that I had permission to use her account. I did before but not this time because it was a MISTAKE. They wont listen to reason. Please help me. The account number is   XXXX XXXX XXXX XXXX Thank you.'","date_sent_to_company":"2025-12-26T16:26:47.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"74011","tags":"Older American","has_narrative":true,"complaint_id":"18296592","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-12-26T15:50:35.000Z","state":"OK","company_public_response":null,"sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["b'On XXXX XXXX I <em>made</em> a payment on my Capital One credit card. I was using my app. I had my daughter XXXX  account information ion the app for years. Her information was there <em>because</em> we <em>made</em> a payment so she could retain an attorney for a custody issue with our grandson XXXX. We put her information on the app so she could make payments on the account. She paid it in full and I never took her account information off the app in case something else came up."]},"sort":[12.920499,"18296592"]},{"_index":"complaint-public-v1","_id":"15780102","_score":12.879528,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute of Inaccurate Late Payment Reporting  [Your Account Number]\\n\\nTo Whom It May Concern,\\n\\nI am writing to formally dispute the inaccurate late payment(s) being reported on my credit file in connection with the above-referenced account. After reviewing my credit report, I identified late payment entries that are inaccurate, unverifiable, and therefore must be corrected or removed.\\n\\nUnder 15 U.S. Code 1681 (Fair Credit Reporting Act), credit reporting agencies are required to maintain only accurate and verifiable information in consumer reports. Any information that cannot be verified must be deleted.\\n\\nAdditionally, pursuant to 15 U.S. Code 1666(b) (Fair Credit Billing Act), creditors must properly credit payments as of the date of receipt and ensure billing statements accurately reflect a consumers account status. Failure to properly apply payments or correct billing errors leads to inaccurate and unlawful reporting of late payments.\\n\\nBecause the reported late payments are either inaccurate or not properly verified, I am requesting that you conduct a reinvestigation of this matter. If the creditor cannot provide documented evidence proving the accuracy of these reported late payments, they must be deleted from my credit report.\\n\\nPlease complete your investigation and provide me with the results in writing within 30 days, as required by federal law. I also request that you send me an updated copy of my credit report once the corrections are made.\\n\\n\\nThank you for your prompt attention to this matter.\\n\\nSincerely,\\nXXXX XXXX","date_sent_to_company":"2025-09-07T22:00:27.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"60411","tags":null,"has_narrative":true,"complaint_id":"15780102","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-09-07T22:00:02.000Z","state":"IL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["\\n\\n<em>Because</em> the reported late payments are either inaccurate or not properly verified, I am requesting that you conduct a reinvestigation of this matter. If the creditor <em>cannot</em> provide documented evidence proving the accuracy of these reported late payments, they must be deleted from my credit report.\\n\\nPlease complete your investigation and provide me with the results in writing within 30 days, as required by federal law."]},"sort":[12.879528,"15780102"]},{"_index":"complaint-public-v1","_id":"19692616","_score":12.5794325,"_source":{"product":"Credit card","complaint_what_happened":"b'Citi credit Mastercard personal account \\nXXXX XXXX of the Attorney General Office of Texas\\nCiti dispute department \\n\\nXX/XX/2026 bill charges for over XXXX\\nXX/XX/2026 over 29% interest rates\\nXX/XX/2026 Citi has threatened me al ready to send me to their collections agency if the whole bill is not paid in full before the end of this month. \\nI am recurring for help to a financial professionals, because I cannot afford a personal lawyer nor to able paying other sources. I  red to report Citi Mastercard because I feel that there is an abuse, unfairness, madness, deceptive and disruptive financial behavior from Citi Mastercard that is reflecting a continuing of overcharging credit card interest problem in my account that begun right after my promotional rate ended about 2-3 years ago. Even thought I had been a great customer paying my due monthly charges and interest fees diligently every month for all purchases my joint account relative and me had been made for the past few years and since we got approved by this bank company.'","date_sent_to_company":"2026-03-02T16:17:08.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"75068","tags":null,"has_narrative":true,"complaint_id":"19692616","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-02-22T18:58:20.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Charged too much interest"},"highlight":{"complaint_what_happened":["\\nI am recurring for help to a financial professionals, <em>because</em> I <em>cannot</em> afford a personal lawyer nor to able paying other sources. I  red to report Citi Mastercard <em>because</em> I feel that there is an abuse, unfairness, madness, deceptive and disruptive financial behavior from Citi Mastercard that is reflecting a continuing of overcharging credit card interest problem in my account that begun right after my promotional rate ended about 2-3 years ago."]},"sort":[12.5794325,"19692616"]},{"_index":"complaint-public-v1","_id":"17890260","_score":12.220974,"_source":{"product":"Mortgage","complaint_what_happened":"b\"I was divorce in XXXX  and the home that me and my ex-husband sheared was awarded to me. I am on the deed; but is not on the loan. I have made several attempts over the years to get information on the payments as to why the payment has gone up and also escrow information. Sometimes I call in to make payment and have been told I cannot make a payment without my ex-husband authorization which he is not cooperative most of the times. I have submitted a copy of the deed and also a copy of the divorce decree 4 times and still I am unable to get any information. in XXXX XXXX XXXX XXXX I realized that my ex-husband was not making payments as part of the child support and the payments was 3 months behind. I call the mortgage company to try and catch up on the payments, and they would not help me or provide the amount I need to pay to catch up. I was told by the person I was speaking with that I can just tell them the amount I can pay, and she will let me know if that is enough or not, but she cannot tell me the amount I will need to pay without speaking to my ex-husband first. I mention to the person I was speaking with that I have the right to know the amount I need to pay because I am on the deed and have liable interest in the property and was told I have no right to obtain information to make payments. She stated I can send whatever information I have for the company to review, and the company will get back to me. I told I have sent in my divorce papers and a copy of the deed several times and every time I call back, I am told they don't have the information I sent in to them. I called back again XXXX because the mortgage payment went up XXXX to see why. I was told the same thing again and for me to send in my divorce papers. I was provided an email address that I emailed my paperwork to on XXXX and I am still unable to get any answer. I recently got another letter stating that the mortgage payment has increase over XXXX that will now make it over XXXX increase in the past year and a half. I am in need of help to manage the mortgage payment and get answers to know what options I have.\\nMortgage company is Lakeview also I guess go my XXXX XXXX phone number XXXX XXXX.\"","date_sent_to_company":"2025-12-09T18:55:24.000Z","issue":"Trouble during payment process","sub_product":"VA mortgage","zip_code":"31419","tags":null,"has_narrative":true,"complaint_id":"17890260","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LAKEVIEW LOAN SERVICING, LLC","date_received":"2025-12-09T18:22:58.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["I have <em>made</em> several attempts over the years to get information on the payments as to why the payment has gone up and also escrow information. Sometimes I call in to make payment and have been told I <em>cannot</em> make a payment without my ex-husband authorization which he is not cooperative most of the times."]},"sort":[12.220974,"17890260"]},{"_index":"complaint-public-v1","_id":"17661515","_score":12.203314,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"b'To Whom It May Concern I am filing this complaint because my consumer report contains these items I have no knowledge of. I previously disputed these items, but the credit bureau failed to correct or properly reinvestigate them as required under the FCRA. These errors are harming me and must be removedXXXX XXXX XXXX XXXX, MI XXXXThis address is not mine, I have never lived here or been connected to it in any way. Reporting this violates FCRA XXXX(b) because it is not accurate or verifiable. It must be deleted permanently.XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXThis address is completely unrelated to me. Continuing to report inaccurate identifying information violates FCRA XXXX(A) and XXXX. It must be removed.XXXX XXXX XXXX XXXX XXXX, MA XXXXThis is a wrong address and has no association with me. Under FCRA XXXX(b), unverifiable personal information must be deleted immediately.\\XXXX XXXX XXXX Date Opened: XXXX Balance: $XXXXThe late payment reporting is false. I have never made a late payment on this account. FCRA XXXX(b) and XXXX  require accurate reporting, and this must be corrected.XXXX XXXX Date Opened: XX/XX/XXXX Balance: $XXXXThis late payment entry is inaccurate and unverified. I have never been late, and FCRA XXXX  and XXXX  require proper verification, which has not been provided.XXXX XXXX XXXX  Date Opened: XX/XX/XXXX Balance: $XXXXThis late payment record is incorrect. I have never made a late payment. Continued reporting violates FCRA XXXX  and XXXX(a)(XXXX)(A). Correct the payment history.XXXX XXXX XXXX Date Opened: XXXX Balance: $XXXXThis late payment status is wrong. I have never been late. Under FCRA XXXX(b) and XXXX, inaccurate payment history cannot be reported.XXXX XXXX XXXX  Date Opened: XXXX Balance: $XXXXThe late payment marking is false. I have never missed any payment and therefore this violates FCRA XXXX and must be corrected immediately.XXXX XXXX XXXX Date Opened: XXXX Balance: $XXXX have no knowledge of this account and have never authorized it. A charge-off that cannot be verified violates FCRA XXXX(A), XXXX(b), XXXX, and XXXX. It must be deleted.XXXX XXXX XXXX Date Opened: XXXX Balance: $XXXX do not recognize this account and have no connection to it. Reporting a charge-off I cannot verify is a violation of FCRA XXXX(b) and XXXX. Delete this account.XXXX XXXX XXXX XXXX Date Opened: XX/XX/XXXX Balance: $XXXXI have no knowledge of this account. It is inaccurate and unverifiable, which violates FCRA XXXX  and XXXX(A). It must be deleted.XXXX XXXX  Date Opened: XXXX Balance: $XXXXThis late payment claim is false. I have never made any late payments. FCRA XXXX(b) and XX/XX/XXXXprohibit the reporting of unverified derogatory information. Correct it immediately.XXXX XXXX XX/XX/2025\\nI did not authorize this inquiry. Under FCRA 604, it must be deleted.XXXX FCU XXXX inquiry with no permissible purpose. Must be removed.XXXX XXXX XXXX never granted permission for this inquiry. Delete it under FCRA XX/XX/XXXX CU XXXX  and unauthorized. Must be deleted under FCRA XXXX  and XXXX XXXX XXXX permissible purpose exists. Remove this inquiry immediately.XXXX XXXX inquiry. Delete it under FCRA XX/XX/XXXX authorization was given. Must be removed.XXXX XXXX XXXX  and unverifiable inquiry. Delete immediately.XXXXXXXX XXXX XXXX XXXX  did not authorize this pull. Remove under FCRA 60XX/XX/XXXXThis inquiry is unauthorized and must be deleted.XXXX XXXX XXXX never authorized this inquiry and it must be removed under FCRA XX/XX/XXXX request CFPB assistance to require deletion of all wrong information that do not belong to me, and to ensure the bureau complies with the FCRA.'","date_sent_to_company":"2025-12-02T07:40:31.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"48154","tags":null,"has_narrative":true,"complaint_id":"17661515","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-02T07:36:23.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["b'To Whom It May Concern I am filing this complaint <em>because</em> my consumer report contains these items I have no knowledge of. I previously disputed these items, but the credit bureau failed to correct or properly reinvestigate them as required under the FCRA. These errors are harming me and must be removedXXXX XXXX XXXX XXXX, MI XXXXThis address is not mine, I have never lived here or been connected to it in any way. Reporting this violates FCRA XXXX(b) <em>because</em> it is not accurate or verifiable."]},"sort":[12.203314,"17661515"]},{"_index":"complaint-public-v1","_id":"2767978","_score":11.873266,"_source":{"product":"Debt collection","complaint_what_happened":"The language on the XXXX XXXX XXXX is threatening. It states in part \"a bench warrant \"will\" be issued for your arrest\" which was highlighted in yellow marker. I cannot believe that XXXX XXXX XXXX Attorneys allow their collection attorney to use this kind of threatening language as a scare tactic to make someone pay considering the FDCPA \"least sophisticated consumer\" language should apply. This is a classic definition of a \"least sophisticated consumer\" This was originally a $XXXX  CC for an XXXX yr old kid when she opened her bank account. The debt now states she owes$XXXX.   She had tried to work out payment arrangements with XXXX XXXX. And was successful in making some of the payments but school, and job constraints made it difficult to keep current. This complaint is against BOTH XXXX  and FRANCY LAW FIRM XXXX XXXX XXXX Atty Reg# XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, CO XXXX  phone # XXXX- Case#XXXX There is scheduled for appearance hearing XXXXXX18.- Law Firms, Banks, Credit Union, et.,al. should not be allowed to use this or any kind of language that threatens a person with incarceration because of a money debt. This language caused a serious physical and emotional stress in XXXX XXXX because although she has a fulltime job she does not make enough money nor does she have the money in saved to pay the debt and she was fearful of going jail.  This scared her to death and know one should be scared that their freedom is going to be taken away because they have the inability to pay a debt.","date_sent_to_company":"2017-12-30T16:07:47.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"80033","tags":null,"has_narrative":true,"complaint_id":"2767978","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Francy Law Firm, P.C.","date_received":"2017-12-30T14:28:40.000Z","state":"CO","company_public_response":null,"sub_issue":"Threatened to arrest you or take you to jail if you do not pay"},"highlight":{"complaint_what_happened":["And was successful in making some of the payments but school, and job constraints <em>made</em> it difficult to keep current. This complaint is against BOTH XXXX  and FRANCY LAW FIRM XXXX XXXX XXXX Atty Reg# XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, CO XXXX  phone # XXXX- Case#XXXX There is scheduled for appearance hearing XXXXXX18.- Law Firms, Banks, Credit Union, et.,al. should not be allowed to use this or any kind of language that threatens a person with incarceration <em>because</em> of a money debt."]},"sort":[11.873266,"2767978"]},{"_index":"complaint-public-v1","_id":"19280591","_score":11.873266,"_source":{"product":"Credit card","complaint_what_happened":"b'I am filing this complaint because of a technical communication failure between Citibank (XXXX XXXX) and XXXX  regarding a billing dispute for XXXX with the merchant XXXX\\n\\nTimeline of Events:\\n-XXXX XXXX XXXX  Transaction made via XXXX for XXXX XXXX XXXX I opened a dispute with Citi. (On Citi side the Case # is: XXXX XXXX XXXX XXXX XXXX XXXXXXXX: I contacted Citi to cancel the dispute and accept the charge. XXXX XXXX XXXX: Citi records show the funds were returned to the merchant\\'s bank.  \\XXXX XXXX XXXX: Citi issued a formal letter confirming the investigation is complete (see attachment).  \\n\\nThe Problem: \\nDespite Citis official letter (attached), XXXX Resolution Center (On XXXX  side the Case #: XXXX) still shows the status as \"Under review with the buyer\\'s financial institution\" (see attachment) XXXX claims they have not received the electronic \"Case Closed\" notification from Citi.\\n\\nFinancial Harm:\\n1.Because of this technical sync error, the merchant cannot release my reimbursement as the funds are frozen in the XXXX system.\\n\\n2. Citi is charging me an 18.74% APR (Prime + 11.99%) on this $XXXX balance because the dispute is technically \"open\" in the shared system. I have been charged approximately $XXXXmonth in interest since XXXX  for a case Citi claims is closed.\\n\\nI have contacted both companies multiple times, but each directs me to the other. I am caught in a loop where neither company will manually coordinate to fix the electronic status.'","date_sent_to_company":"2026-02-05T19:18:11.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"89509","tags":null,"has_narrative":true,"complaint_id":"19280591","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-02-05T18:50:15.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["\\n\\nFinancial Harm:\\n1.<em>Because</em> of this technical sync error, the merchant <em>cannot</em> release my reimbursement as the funds are frozen in the XXXX system.\\n\\n2. Citi is charging me an 18.74% APR (Prime + 11.99%) on this $XXXX balance <em>because</em> the dispute is technically \"open\" in the shared system. I have been charged approximately $XXXXmonth in interest since XXXX  for a case Citi claims is closed.\\n\\nI have contacted both companies multiple times, but each directs me to the other."]},"sort":[11.873266,"19280591"]},{"_index":"complaint-public-v1","_id":"15765291","_score":11.872181,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Credit Report DisputXXXX XXXX XXXX Account\\nDear Experian,\\nI am writing to formally dispute inaccurate information that appears on my Experian credit report. The disputed account is listed as follows:\\n\\tCreditor Name: XXXX XXXXtAccount Number (partial): XXXXtDate Opened: XXXX XXXX XXXXXXXXStatus: Open\\nThe report currently shows a XXXXday late payment in XXXX XXXX  and XXXX XXXX. This information is inaccurate and misleading because I have consistently made payments on this account, including throughout XXXX XXXX, and XXXX, as reflected in the payment history section of the report. My records confirm that the account has remained in good standing, with all payments either made on time or within the creditors grace period.\\nThis erroneous late payment mark negatively impacts my creditworthiness. Under the Fair Credit Reporting Act (FCRA), I request that Experian conduct a reinvestigation of this item. If the furnisher XXXX XXXX) cannot provide proper verification of the alleged delinquency, I ask that Experian promptly delete or correct this information.\\nPlease notify me in writing of the results of your reinvestigation. Enclosed are copies of my statements and supporting documentation highlighting the timely payments for your review.\\nThank you for your prompt attention to this matter.\\nSincerely,XXXX XXXX","date_sent_to_company":"2025-09-07T01:49:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60586","tags":"Servicemember","has_narrative":true,"complaint_id":"15765291","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-07T01:31:39.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["This information is inaccurate and misleading <em>because</em> I have consistently <em>made</em> payments on this account, including throughout XXXX XXXX, and XXXX, as reflected in the payment history section of the report. My records confirm that the account has remained in good standing, with all payments either <em>made</em> on time or within the creditors grace period.\\nThis erroneous late payment mark negatively impacts my creditworthiness."]},"sort":[11.872181,"15765291"]},{"_index":"complaint-public-v1","_id":"2765790","_score":11.5169735,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I'm surprised how I didn't get the opportunity to respond to my claim, I guess the Banks get the last saying and then the case is closed!\n\nHowever this is a continuation of my complaint XXXX XXXX\n\n1.    Exactly how did the response you responded address my issue?, it's comedy! I complain about one thing and you respond has absolutely nothing related, I therefore wonder if that's suppose to be a joke, or it's a continuation of the lack of knowledge Bank of America has which caused me to file this complaint in the first place.\n\n2.     My complaint began after I wasn't able to use my Card and was told I'M A FRAUD< AND I AM NOT WHO I SAY I AM!! and was told I will only be able to use it if I go to a banking center to Identify myself, and if I do not go, I will never be able to use the card!!, I then complained that due to my health which is public record I'm not able to go to a branch although it's my full intention to go and I wish I would be able to go!!!!!!\nNow, Bank of America did NOT care about my problems and made it very clear on every phone call (which I have recorded, should I get permission from the CFPA I will release them, because I'm not sure it legal, so I therefore cannot use them, I did not intentionally record them, it's just something in my phone and I have no idea how to disable it), So Bank of America made it very clear \"IF YOU DO NOT GO TO A BRANCH, WE DO NOT BELIEVE YOU ARE XXXX XXXX, AND THEREFORE WE WILL NEVER ENABLE YOU TO USE THE CARD, THIS FACT CANNOT BE DENIED!!.\nNow, let's put aside the shenanigans of the financial industry (thanks to the CFPB) and let's put things in perspective, and although your response to my initial complaint has failed to address my entire concern, I'm now more aware of the stupidity you have in mind, which I'll be glad to ask!\n\n1.   AS YOU DID (should you deny it, I might have to take you to Federal Court and have your phone calls subpoena to prove your living in denial) AGAIN, As you did, and because you did, and because you said, and because you also acted upon what you've said and did: which were exactly these words \"XXXX XXXX, we understand your not able to go to a branch due to your health condition, however we will NOT be able to take off the restriction from your account simply because our computer system WILL NOT allow us to do it on a recorded phone call, which began when I called in the my card stopped working. I'm asking the following question, and please respond to THIS question: IF YOU HONESTLY BELIEVE AND THE FACT IS YOU DO AND NOT ONLY YOU DO BUT YOU HAVE SAID IT SEVERAL TIMES, THAT I'M NOT WHO I SAY I AM, WHY DO YOU THINK I NEED TO PAY AN ACCOUNT WHICH YOU, YES YOU HONESTLY BELIEVE AND STATED IT'S NOT MINE?\n\n\nYou also mentioned something about alternative payment methods!\nLet me understand, if I do not have all payment options just like every other consumer available to me, it's called discrimination!!! \nbut, you said I can make a payment by phone, answer is NO I AM NOT ABLE!! because when I call in and put my account number it gets directed to the fraud department, and they sing the same song to me about going into a banking center.\nNow regarding making payments in a Branch, I did send my son and he was told \"this account is restricted and we cannot accept payments\"!!\n\nnow to address your issue about reporting fairly to the CRA's, based on my questions above, do you think it makes sense to report something on XXXX XXXX CRA when it's not her's, and you even admitted it's not mine?? (Just allow me to prove it, and you'll think you landed in jupiter)???\n\nYou also mentioned you take all measures to comply with the law, can you please quote me which law it is your compiling with? does it have a name? I doubt it's called the FCRA because why is it fair that your computer system cannot do anything to lift the restriction unless I go to a branch to report things that you admitted is not mine?\n\nBased on the FCRA, only things that you know 100% is mine are you able to report!! So as we speak, you are in violation, because you are NOT 100% it's mine, you might be 99% but it's not sufficient enough to report it!!\n\nYou also mentioned you tried reaching me several times: I'm confused! If you don't believe I am who I say I am, AND THE TRUTH IS YOU DON'T, OTHERWISE WHY DO I HAVE TO GO TO A BANKING CENTER? Why all of the sudden do you think when you call me that you are speaking to XXXX XXXX? I HONESTLY FIND IT INTERESTING!\nFurther, you stated you have no access to my account until I go to a Branch, and explained to me that it's your computer's internal security system which blocks all access to my account. If so, how were you able to access it to respond to my initial complaint (although the response hasn't addressed even one percent of the complaint)! But even I will pick up when you call me, how will that help? for one, you don't believe it's me, and secondly, you don't have access, and how can we discuss something you have no access to?\n\nSince I'm getting a message that my time is running out I will have to finish, I'll finish my list of complaint's on your next response which might just be like the first one, meaning: responding something unrelated to the matter.\n\nHere's what I have to say; you can report from today until tomorrow whatever you want to the CRA's, I honestly don't care!  And the one who taught me not to care is Bank of America!\n\nAS LONG AS I'M ETHICAL AND MORAL, WHICH I'VE BEEN FOR 70 YEARS, AND AS LONG AS I KNOW THE TRUTH IS ENOUGH FOR ME NOT TO GIVE A XXXX TO ANYTHING YOU HAVE TO SAY, AND LET ME ADD, ESPECIALLY WHEN EVERYTHING YOU SAY IS A LIE!! LET ME ADD, call Bank of America 5 times about an issue and every rep will tell you something else!!","date_sent_to_company":"2017-12-28T07:52:14.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"11219","tags":"Older American","has_narrative":true,"complaint_id":"2765790","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2017-12-28T06:58:39.000Z","state":"NY","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":["Now, Bank of America did NOT care about my problems and <em>made</em> it very clear on every phone call (which I have recorded, should I get permission from the CFPA I will release them, <em>because</em> I'm not sure it legal, so I therefore <em>cannot</em> use them, I did not intentionally record them, it's just something in my phone and I have no idea how to disable it), So Bank of America <em>made</em> it very clear \"IF YOU DO NOT GO TO A BRANCH, WE DO NOT BELIEVE YOU ARE XXXX XXXX, AND THEREFORE WE WILL NEVER ENABLE YOU TO USE"]},"sort":[11.5169735,"2765790"]},{"_index":"complaint-public-v1","_id":"2788216","_score":11.435094,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX. sent me a notice that they are attempting to collect my student debt. This notice dated XX/XX/XXXX was received by mail on XX/XX/XXXX. I have since attempted to contact them regarding my debt and have received NO response from XXXX XXXX XXXX. In ever communication I have made I have provided my name, account number, phone number, and email.I called and left voicemails on XX/XX/XXXX, XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have called almost daily but I have not always left a voicemail. They have also answered the phone and asked to take a message because their voicemail system was \"too busy.\"I have sent emails through the XXXX XXXX XXXX website \"Contact Us\" option on XX/XX/XXXX and XX/XX/XXXX.I have sent 2 certified 2 day delivery letters on XX/XX/XXXX explaining my situation and the fact that I cannot get a hold of them. One letter was sent to their complaints department whose address was provided on the back of the notice. The other letter was sent to the mailing address they provided for contact on the front of the notice.I am now past my 30 day period provided in their notice and they still have made NO attempt to return my communications.They have also added over $XXXX to the requested debt amount since my last received communication from the Department of Education.","date_sent_to_company":"2018-01-19T20:52:09.000Z","issue":"Communication tactics","sub_product":"Federal student loan debt","zip_code":"98513","tags":null,"has_narrative":true,"complaint_id":"2788216","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"URS Holding, LLC","date_received":"2018-01-19T20:04:24.000Z","state":"WA","company_public_response":null,"sub_issue":"Frequent or repeated calls"},"highlight":{"complaint_what_happened":["In ever communication I have <em>made</em> I have provided my name, account number, phone number, and email.I called and left voicemails on XX/XX/XXXX, XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have called almost daily but I have not always left a voicemail. They have also answered the phone and asked to take a message <em>because</em> their voicemail system was \"too busy.\""]},"sort":[11.435094,"2788216"]},{"_index":"complaint-public-v1","_id":"15854205","_score":11.429157,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"b'I am formally notifying the Consumer Financial Protection Bureau of multiple erroneous items on my credit report, including a wrong address and fraudulent accounts. These inaccuracies violate FCRA Sections 1681i, 1681e(b), 1681s-2, 609(a), 611, and 623(a)(1), which require accurate and verifiable reporting. The false reporting has resulted in harm to my financial standing, denial of credit opportunities, and emotional stress. I request the CFPBs intervention to ensure thorough reinvestigation, verification, and removal of unverifiable items.\\n\\nXXXX XXXX XXXX  Date Opened: XXXX Balance: XXXX  Late Payment**\\nThis account is being inaccurately reported with late payments. Under FCRA  611, when a consumer disputes, the credit bureau must verify the accuracy of the reported data with reliable records. If no proper documentation exists, the account must be updated or removed. No creditor has ever provided evidence of late payment dates with original statements or payment history records tied to me. Continuing to report unverified delinquencies damages my creditworthiness, inflates my risk profile, and directly violates federal law. Unless verifiable proof is obtained, this derogatory remark must be corrected or deleted.\\n\\XXXX XXXX XXXX Date Opened: XXXX Balance: XXXX  Late Payment**\\nThis tradeline is reporting late payments without adequate proof. The FCRA requires furnishers to provide accurate, complete records if they choose to report. Failure to provide documentation makes the data unverifiable and misleading. I have never received validation showing when and how these alleged late payments occurred, nor have I seen supporting billing statements. Reporting unverifiable late payments is reckless and unlawful under  602(A) of the FCRA because it misrepresents my financial responsibility. If this account cannot be validated, it must be updated to reflect a positive status or removed.\\n\\XXXX XXXX Date Opened: XXXX Balance: XXXX  Late Payment**\\nThis account has been closed with a zero balance, yet you continue to show it with late payment history. Continuing to report a derogatory status on a closed, paid account is misleading and violates the requirement for maximum possible accuracy under  607(b). If an account is closed and paid, then no new delinquency can legally exist, and prior reported late payments must be verified with original creditor records. Failure to remove or correct this inaccuracy shows noncompliance with the FCRA, and the item must be deleted if you cannot obtain verification.\\n\\XXXX XXXX  Date Opened: XXXX Balance: XXXX  Late Payment**\\nThis account is showing late payments despite the fact that I never received proof of delinquency. Furnishers are required under the FCRA and FDCPA to maintain complete and accurate records. No billing statements, due dates, or delinquency notices have been provided. Without such validation, the reporting remains unverifiable and misleading. Continuing to list it with negative history harms my credit reputation and constitutes noncompliance. If verification cannot be presented, this tradeline must be removed.\\n\\XXXX XXXX XXXX  Inquiry\\nThis inquiry appears duplicative and unauthorized. Duplicate inquiries are harmful, inaccurate, and violate  607(b). Without verifiable proof, this must be deleted.\\n\\XXXX XXXX  Inquiry\\nThis inquiry is reported under a variation of the same creditor name, creating multiple entries for the same attempt. Such duplication is inaccurate and misleading under the FCRA. Delete immediately.\\n\\XXXX XXXX   Inquiry\\nThis inquiry is unauthorized. No proof of permissible purpose has ever been provided, and therefore it must be deleted.\\n\\XXXX XXXX   Inquiry\\nThis inquiry was made without my consent. I never applied for credit with Numerica, and therefore, it violates FCRA  604. Remove immediately.\\n\\XXXX XXXX XXXX  Inquiry\\nThis inquiry is unauthorized and unverifiable. Without proof, it cannot lawfully remain on my report.\\n\\XXXX XXXX   Inquiry\\nThis inquiry is unauthorized. Without proof of an application or permissible purpose, it must be deleted in compliance with FCRA.\\n\\nI respectfully request the CFPB to ensure that all reporting agencies and creditors comply with the FCRA, verifying all disputed items or deleting them if unverifiable. The false reporting has caused financial damage, stress, and harm to my reputation. I expect confirmation in writing once all inaccuracies have been fully addressed.'","date_sent_to_company":"2025-09-11T13:56:59.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"99216","tags":null,"has_narrative":true,"complaint_id":"15854205","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-10T06:57:09.000Z","state":"WA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Reporting unverifiable late payments is reckless and unlawful under  602(A) of the FCRA <em>because</em> it misrepresents my financial responsibility. If this account <em>cannot</em> be validated, it must be updated to reflect a positive status or removed.\\n\\XXXX XXXX Date Opened: XXXX Balance: XXXX  Late Payment**\\nThis account has been closed with a zero balance, yet you continue to show it with late payment history."]},"sort":[11.429157,"15854205"]},{"_index":"complaint-public-v1","_id":"3470635","_score":11.179176,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I always make my payment online the XXXX  of the month.  This previous Sunday, I received an email saying my credit line was being reduced to my balance.  When I logged in to my account with Citi, they said my payment had not been processed.  I said this could not be possible, I routinely do the same thing every single month.  I checked XXXX XXXX  and saw an addition to my balance which terrified me since I have been working to reduce my debt and only making payments.  I called and spoke with at least 4 different Citi card managers.  They told me that my credit limit reduction had nothing to do with my supposed late payment.  This obviously cannot be true because it happened at the exact same time.  I made an immediate payment and they refunded my late fee but said they would not change my credit limit.  They were extremely unprofessional.  I have been a client since 1998 and have never had any issues with my credit with Citi.  I don’t want my credit line restored for purchases, I simply know how badly this will impact my credit score.  I have called the credit bureau prepared to defend myself and score.  They encouraged me to contact this agency to let you know what has happened and how Citi is handling my situation.","date_sent_to_company":"2019-12-17T20:18:57.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"61455","tags":null,"has_narrative":true,"complaint_id":"3470635","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2019-12-17T20:05:59.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["This obviously <em>cannot</em> be true <em>because</em> it happened at the exact same time.  I <em>made</em> an immediate payment and they refunded my late fee but said they would not change my credit limit.  They were extremely unprofessional.  I have been a client since 1998 and have never had any issues with my credit with Citi.  I don’t want my credit line restored for purchases, I simply know how badly this will impact my credit score.  I have called the credit bureau prepared to defend myself and score."]},"sort":[11.179176,"3470635"]},{"_index":"complaint-public-v1","_id":"9224997","_score":11.073413,"_source":{"product":"Credit card","complaint_what_happened":"I have had an unknown charge on my account from my Apple Credit Card (run by Goldman Sachs) amounting to XXXX on XXXX at XXXX XXXX  in 24 hour format).  I have disputed it many times (dates below)XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.\n\nMultiple dispute cases opened which never seem to go anywhere, first one was XXXX\n\nI have talked with XXXX  Apple Card specialists, and none of them seem to be able to help even after \"reporting it.\"\n\nI can not afford this charge and I need it take off, I have been only given a random location \"Apple Store.\"  They are not able to provide what item was bought or any proof I purchased the item.  Every time the charge is put back with an email following there was not enough information for the charge to be taken away.  The reason for the lack of proof is because the item does not exist, and never has.\n\nI have a close list of every large purchase I have made from Apple and I did not make any Apple item purchase within this time frame or anywhere close to the time frame.\n\nI am requesting help because I am at a loss on what to do next and it seems no one at Apple or Goldman Sachs can help, over the phone or email or texting I am always told they do not know what the item is but the charge is there and I have no choice.\n\nThis is fraud and I cannot afford it.\n\nI have attached a copy of an email the sent me after \"researching into the dispute and finding no data.  Again, no item listed on the email.","date_sent_to_company":"2024-06-10T06:53:13.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"98290","tags":null,"has_narrative":true,"complaint_id":"9224997","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2024-06-10T06:26:45.000Z","state":"WA","company_public_response":null,"sub_issue":"Overcharged for something you did purchase with the card"},"highlight":{"complaint_what_happened":["The reason for the lack of proof is <em>because</em> the item does not exist, and never has.\n\nI have a close list of every large purchase I have <em>made</em> from Apple and I did not make any Apple item purchase within this time frame or anywhere close to the time frame."]},"sort":[11.073413,"9224997"]},{"_index":"complaint-public-v1","_id":"3465407","_score":11.019073,"_source":{"product":"Checking or savings account","complaint_what_happened":"I work at the XXXX XXXX XXXX XXXX (XXXX), and have worked there for 3 years. My employer is the XXXX XXXX XXXX. I bank with JP Morgan Chase. XX/XX/XXXX- filled out direct deposit form at work, hand written.  HR refused to accept a voided check.  Did not receive XX/XX/XXXX direct depositXX/XX/XXXX – called payroll specialist•\tLearned from payroll that the routing number on file was not mine-incorrectly written•\tRequested that direct deposit be canceled•\tRequested that XXXX  HR inform State Controller’s Office of this issue and request that they retract deposited funds•\tCalled my bank, JP Morgan Chase, and filed a claim informing them of the above-specifically stating that the deposit made in the account was due to an incorrectly written routing number and was not authorized by me. XX/XX/XXXX – I called Chase Bank, Bank had located the check in another customer’s accounts. Learned that Chase Bank made no effort to ensure that the account number used and the account holder's name matched before processing the direct deposit. Was informed that Chase cannot move it from the customer’s account. Chase required a Letter of Indemnity from my employer.•\tCalled XXXX  payroll immediately, provided information,•\tPayroll stated that they would call the State controller’s office and get back to me.XX/XX/XXXX – Was informed via email correspondence (attached here titled “XX/XX/2019 warrant”):  “Since your bank was unable to move the funds from the incorrect account into yours. The State Controllers office has sent over a Letter of Indemnity to your bank.”XX/XX/XXXX - Letter of Indemnity was actually sent to Chase Bank by State Controller's OfficeXX/XX/XXXX – informed by payroll via email (attached here titled “XX/XX/2019 warrant”): “I regret to inform you that US bank was unable to retrieve the funds back from your bank. I have attached the denial letter from US Bank. The State Controller’s Office informed me that since this was an employee error and not an agency error, you would now need to try to contact Victims Compensation Board to see how they me able to assist you. I have attached the link below. Please let me know if you have questions.” The denial letter (attached here titled \"XXXX\") stated, from Chase bank, “we will not be able to process your recall request because the account doesn’t have sufficient balance.” This indicates that the account holder who got my check withdrew the money. The Account holder is guilty of theft as per California Penal Code section 485. I called the Victims Compensation Board and they stated that they cannot do anything and suggested I call my bank.•\tCalled Chase Bank that day and they insisted they had no obligation to prevent their account holder from using the funds, despite the fact that I informed them on XX/XX/XXXX that the deposit was made erroneously. Chase Bank was unwilling to help me track down the account holder.","date_sent_to_company":"2019-12-11T20:07:14.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"94112","tags":null,"has_narrative":true,"complaint_id":"3465407","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2019-12-11T18:21:56.000Z","state":"CA","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["Learned that Chase Bank <em>made</em> no effort to ensure that the account number used and the account holder's name matched before processing the direct deposit. Was informed that Chase <em>cannot</em> move it from the customer’s account."]},"sort":[11.019073,"3465407"]},{"_index":"complaint-public-v1","_id":"18080046","_score":10.938785,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXXI have a Chime bank account (XXXX XXXX XXXX XXXX XXXXI requested a replacement card to my new address and the card never arrived.  It was stolen/used prior to delivering to my mailbox.  XXXXI never activated the card.  But somehow the card was used fraudulently. XXXXThe card had XXXX  ATM withdrawals of XXXX (plus fees) over the course of a week (details below).  The card was also used at grocery stores.  XXXXI have XXXX claims with Chime.  Claim XXXX XXXX XXXX XXXX) included XXXX ATM withdrawals and the grocery charges were disputed on one claim.  Claim XXXX XXXX XXXX XXXX included the XXXXth ATM solo (charge was submitted on a separate claim since Chime required the charge to not be 'pending' when the first claim was submitted).XXXXClaim XXXX: I have submitted a police report, direct proof of location contradiction evidence that directly disputes the charges, as well as my confirmation that I marked charges as fraud when Chime asked. XXXXI have submitted all of this information and my claim has been denied XXXX times. XXXXChime has provided me with their reasoning for denial, however their answers never made sense.   The evidence used to deny the original claim included evidence I submitted in the first rebuttal.  It would be impossible to determine the denial with evidence that had not yet been uploaded.  This also occurred when I requested the evidence used to deny the rebuttal XXXX.  When I received that information, it included evidence only uploaded for rebuttal XXXX   Again, rebuttal XXXX could not have been decided with evidence that was provided AFTER the denial and rebuttal XXXX  was opened.  XXXXChime representatives cannot comprehend this somehow.  I finally spoke to a supervisor but as we got close to reopening rebuttal XXXX, they hung up on me. XXXXAlso, Chime uploaded their intake form of my info/answers when I originally submitted Claim 1.  During that intake, they ask if I had my card with me.  I clearly answered NO BECAUSE IT WAS NEVER RECEIVED AND IT WAS STOLEN.  On the intake form, the Chime representative marked that YES I did know where my card was.  I would like Chime to listen to the recording they have to confirm that during my explanation I clearly said I did not have my card.XXXXCharge informationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX was approved quickly.  I cannot fathom how they could approve one of the charges clearly similar to the other XXXX","date_sent_to_company":"2025-12-02T00:31:40.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"90292","tags":null,"has_narrative":true,"complaint_id":"18080046","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-12-02T00:08:13.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I <em>cannot</em> fathom how they could approve one of the charges clearly similar to the other XXXX"]},"sort":[10.938785,"18080046"]},{"_index":"complaint-public-v1","_id":"3122475","_score":10.815041,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/2018 I made a purchase on XXXX XXXX XXXXs website with my Barclays credit card. The amount of the purchase was $XXXX for a shirt and pants. The item did not fit and it was returned to the seller. On waiting on my refund from XXXX XXXX XXXX they emailed me and said that they couldn’t issue me a refund because it didn’t comply with their return policy by assuming that the item was worn. They re-shipped the item to me but I refused the package because I know the item was never worn! I contacted XXXX XXXX XXXX and ensured them that the product was returned exactly how I received it and I proceeded to file a claim with Barclays Card services. On filing a claim with Barclays after about a month I received a letter from Barclays stating that XXXX XXXX XXXX said I never contacted them which was not true and the over all reason for the decision to not go in my favor was stated that “the primary has no proof the sizes ordered differed from the size that was received” which was far from the truth of why XXXX XXXX XXXX first contacted me. I re-opened the case and submitted the necessary evidence and documents showing that XXXX XXXX XXXX submitted untrue information. I hadn’t heard from Barclays so I contacted them about a month after. They informed me that the case still did not go in my favor because they cannot override the policy of the seller. Barclays said they would send me a letter and I’ve been waiting for it almost 2 months now. This is a completely unfair decision. XXXX XXXX XXXX still has the merchandise in their possession, in addition to the charged amount of $XXXX. Barclays has left the charges on my card and it has been accumulating interest! They have submitted zero evidence that the item was sent back worn except for XXXX XXXX XXXX saying that. I submitted evidence stating that the company has lied and they still made the decision in XXXX XXXX XXXX favor. I would think my card company would try their best to get me my reimbursement, instead they were very negligent and unfair in dealing with this matter. They have failed me as a long term customer and this matter needs to be rectified immediately.","date_sent_to_company":"2019-01-11T19:47:15.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"11225","tags":null,"has_narrative":true,"complaint_id":"3122475","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2019-01-11T19:26:53.000Z","state":"NY","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":["On XX/XX/2018 I <em>made</em> a purchase on XXXX XXXX XXXXs website with my Barclays credit card. The amount of the purchase was $XXXX for a shirt and pants. The item did not fit and it was returned to the seller. On waiting on my refund from XXXX XXXX XXXX they emailed me and said that they couldn’t issue me a refund <em>because</em> it didn’t comply with their return policy by assuming that the item was worn. They re-shipped the item to me but I refused the package <em>because</em> I know the item was never worn!"]},"sort":[10.815041,"3122475"]},{"_index":"complaint-public-v1","_id":"9492379","_score":10.656294,"_source":{"product":"Checking or savings account","complaint_what_happened":"On 7/10/2024 I opened a checkings and savings account with fifth third bank via online. I also had to scan my ID on my phone to  verify my identity to open the account. I was able to open it and set up my checkings with direct deposit from my job. I received my direct deposit into this account. Now fifth third is refusing to let me use my money. I noticed an issue when I tried to XXXX money and it gave an error message saying somethings not quite right, if this is your second time please contact us so I called customer service and was told that my account is new and needs to be opened 10 days and then they switched it to 11 days before I am able to use XXXX. However when I initially set up my account I was able to set up XXXX  and got the message I was ready to send and receive money. I was told I could transfer money to a different bank however because the account is new you have to verify all external accounts with a trial deposit which takes 1-3 business days. I asked am I able to do a wire transfer and was told I would have to go into a branch. I also asked if I am able to have a virtual card added to my XXXX XXXX so I am atleast able to access my funds. I was told by two representatives on the phone that their is nothing anyone can do to get me access to my money and that I would need to go into a branch to withdraw money, I was also told to bring my ID to withdraw. The closest fifth third bank from me is 1 hour and 30 minutes away in loganville GA. I called this location to make sure that I will be able to bring my ID and withdraw and was told yes. I arrive at the branch around XXXX est and let the teller know that I wanted to withdraw all of my money and close this account. I presented my ID as told and the teller informs me my account is on a hold. The teller then calls the bank company on the phone to figure out why and was told I need to verify my identity with a photo ID, physical color of my ssn card and a utility bill. I drove 1 1/2 away to this branch with little gas in my car along with my XXXX XXXX XXXX XXXX to get my money from my account and close this account because this has been the worse experience Ive ever dealt with and was told that if I do not have a physical copy of my SSN card and a utility bill that I will not be able to get my money. I had a copy of my driver license and a digital copy of my SSN card on my phone as well as a phone bill being that I do not have a utility bill in my name. I was informed they would not accept any of this and that I would need to drive all the way back home just to get my ssn card. I explain to the teller that I just got off work and had to drive 1 hour and 30 minutes here with my child and by the time I made it to this bank I had 6 miles of gas left in my car, please keep in mind the temperature outside was 98 degrees. This bank held and is still holding my money that I worked hard for and no was was willing to do anything to help me. I offered to bring back the physical copy of my ssn card the next day if I can present the copy on my phone and was told no.  feel like I was discriminated against because I am XXXX XXXX. I wanted to report that because of this bank and their polices I had to sit outside in a hot car with my XXXX XXXX XXXX XXXX  until XXXX the next day because I was unable to travel back home. The teller provided me with fraud protection phone number to speak with them to see if there was anything that could be done and I sat on the phone for 30 minutes being told that theres is nothing anyone could do and that their offices are closed. I was informed that I will have to just wait outside in the heat unless I would be able to provide a copy of my card. I would also like to say that no one informed me that my account was on a hold or needed any verification. When I walked into the bank and they seen I was a XXXX XXXX trying to withdraw money and close my account they made the process very hard. I sat in my hot car with my child crying and my car shut off from running out of gas. I am a single mother that works and being told that I cannot have my money that I went to work for is insane. Ive never had a bank hold my own money from me and make it so difficult. Me and my child were unable to eat yesterday at all. There was a nice lady that seen us sitting outside and when I explained to her the situation she offered to put gas in my car and to by my child something to eat, if it was not for this sweet lady I would still be sitting outside. I do not have family or anyone to help me, I also cannot drive back to the branch as I do not have enough gas to make it 1 hour and 30 minutes back. I feel that this bank needs to update policies for identification because when I called over the phone I was told this had to be handled inside of a branch but when I went inside the branch the teller told me that the call center is who releases the hold, the branch does not have control over that. I wasted so much time, gas, had to sit in extreme heat and go without food because of this bank. I had an account with them over 5 years ago and I never experienced this type of treatment. As of today the money I worked hard for is still sitting in this bank with no way for me to access it. Im currently home and unable to get back to the branch location and no one over the phone will assist me. Also this bank doesnt open until XXXX I also have upcoming bills that I will not be late on and face late fees do to this issue. No one cared at fifth third to give me my money. I understand that banks have certain rules and regulations however this is unacceptable. Any other bank that I have, I have never not been able to access my money or account. Im also able to handle everything over the phone with a representative instead of going inside of a branch and still being told theres nothing that can be done. If I had known all of this I would have never opened an account. I thought because I had a good experience last time that this time it would be the same or better. I also want to note that fifth third locked my online banking account so I am not able to even login to my account to even see my money. I now have no idea where my money is or if I will ever get it. I feel like I worked for free and this bank took my money. I no longer can login, try to change my password or anything to get in. Before this incident I was still able to fully access my account. It was not until my money hit my account that this bank started acting as if this money is theres and telling me I need proof that this money is mine. Me and my child will go without food, gas and possibly shelter due to this issue. My child was also XXXX XXXX XXXXXXXX XXXX XXXX  due to this issue. I explained to everyone that I do not have gas and I barely even made it and I cannot drive all the back home to get a card that is on my phone. The government takes digital copies as well as any other bank I have so Im not understanding the issue with this bank. I simply want all of my money withdrawn and given to me in cash and to close this account. I do not want to wait any longer for my money. I also cannot login into my account now to provide documentation of what I was told by a representative. I would like to pursue legal action for discrimination.","date_sent_to_company":"2024-07-13T12:56:47.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"30016","tags":null,"has_narrative":true,"complaint_id":"9492379","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIFTH THIRD FINANCIAL CORPORATION","date_received":"2024-07-13T12:10:39.000Z","state":"GA","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["feel like I was discriminated against <em>because</em> I am XXXX XXXX. I wanted to report that <em>because</em> of this bank and their polices I had to sit outside in a hot car with my XXXX XXXX XXXX XXXX  until XXXX the next day <em>because</em> I was unable to travel back home."]},"sort":[10.656294,"9492379"]},{"_index":"complaint-public-v1","_id":"10285708","_score":10.518854,"_source":{"product":"Credit card","complaint_what_happened":"Overview of issue: XXXX XXXX XXXX sold me a membership program using sales documents on-site that are misrepresent the benefits after you sign up. I have been trying to get copies of these documents by calling XXXX support. I have also called and requested sales docs from the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX They are very secretive about everything and even told me a document I signed onsite is not something they can supply me which is not legal. Most of the calls below happens during the week of XXXX XXXX  as I tried to find out how to take advantage of the benefits I signed up for on XXXX XXXX. With multiple calls to XXXX XXXX XXXX XXXX XXXX I have been told what I was promised is literally not possible and not a reality. See the XXXX conversation specifically. I requested refunds but to no success. New informationXXXX XXXX XXXX XXXX  to avoid confusion and scams\n\nXXXX XXXX XXXX XXXX with hundreds of reviews stating scams and fraud - XXXX XXXX XXXX post stating exact same issues, this brings this beyond a one-time issue and points to the core purpose of this organization. XXXX provides alcohol and then states they are partners with XXXX XXXX (which is false by all the calls I made that no one knows about this program. \n\nXXXX\n\nMultiple more post and images but Ive attached a few. It doesnt take much to see how XXXX positions themselves as scam artist and selling fraudulent services that are not redeemable. Ive supplied more information below: XXXX XXXX  - horrible reviews and showing the nature of this company. \n\nXXXX\n\nIf Apple or Goldman Sachs do not find this intentional fraud with the use of offering alcohol, shark tactic sales where they tell and show you one thing and cannot deliver, then Im not sure I care to be associated with Apple/Goldman Sachs. Part of the reason you exist is to help protect the consumer, not foster and protect the fraudulent companies that scam people. This is so clearly an ongoing issue with this company that Im surprised it has taken me multiple times to ask to get this reconsidered. I have had a few other disputes in the last decade or more and had 80% less evidence and documentation that I have now with you declining. Im thinking twice about continued use of this card knowing there is zero customer protection or help if you need something.  The dispute process for Apple Goldman Sachs is way more complicated than necessary and very opaque from my side. Ive  supplied more evidence than needed to show you the true intentions of this company. \n\nIve requested for a conversation about this multiple times from Goldman and been ignored or just passed onto someone else who says they can help, but it is not the case. Beyond providing email evidence with this company literally saying, Hahaha! We scammed you! Then I dont know what would satisfy your dispute agents. This is actually fascinating from the standpoint that you have people who have read this and think hmm seems fine. Also, I have requested specifics detailing and why this was rejected. I do not want a generic answer as I continue to get from Goldman.  Ive wasted a year of my life fighting with Goldman Sachs and spent hours on this case. \n\nI have an entire email chain with XXXX XXXX XXXX trying to get a refund.   \n\n\nBeginning of Calls: XXXX XXXX XXXX told me to call XXXX and some exchange weeks program exist where you take points and exchange them for weeks. I was then told there isnt an exchange and you pay by XXXX XXXX also said there is not XXXX/week rate and its points based per hotel. This is what the fraudulent advertising stated at the resort. Had I known they were scammers I would have take photos of the documents they show you onsite. \n\nSpent four hours trying to determine how to get any XXXX XXXX XXXX XXXX XXXX for stay $XXXX/week (which is the sales documents and laminated material they show onsite and tell you multiple times you can get this rate anywhere in the world)\n\nTwo XXXX members told me no flat rates exist - no flat rate but trading power points. It works; I deposit XXXX to be told how many points its converted to in order to determine what I need per stay. I told them I am not giving them anymore money to tell me how many fictitious points I need to reserve a hotel. \nXXXX gets me XXXX  points apparently but Im sure that would change given this company culture of fraud and deception. \n\nTold by another employee ant  XXXX XXXX XXXX XXXXweek does not exist and she doesnt know what the sales people told me vs what is real. They are all liars and deceptive employees who are either not in the know or dont care. \n\nXXXX XXXX XXXX (company that owns XXXX XXXX XXXX was told by two team employee of XXXX they dont know about this program rates or how to book it. They do not see this as an option, and it is NOT possible to use with their hotelsXXXX XXXX XXXX Told me to call XXXX XXXXo talk about exchange weeks and stated I have XXXX on my account. XXXX stated they cannot use these points. XXXX makes up power points and exchange weeks and everything to confuse people and then their vendor and partner companies cant use the services you bought or, in my case as you read below, I was told by XXXX to run away fast. Cancel my membership. XXXX  cannot book XXXX XXXX XXXX cannot use trading power at XXXX XXXX XXXX XXXX  They cannot use points to book those hotels, period. XXXX employee said XXXX XXXX XXXX is not upfront about their package, and they are bait and switch sales tactics to lie to people about benefits they know they cant deliver upon. This was the most eye opening conversation and XXXX XXXX XXXX partner company XXXX is telling me XXXX XXXX XXXX is a very dishonest company. Get a week of search weeks from XXXX to hold points for rooms. Shark tactics all around and XXXX  employee told me to get out and cancel because you will only see more of this with every interaction. He hears this multiple times per day/week from new XXXX  members and gets to warn them. This is a partner company oXXXX XXXX XXXX employees are telling XXXX  members to cancel because of how deceptive and fraudulent they are as a company. \n\n*Search week* is needed but he said they will continue to pull this stuff. He has witnessed it every week that XXXX will tell you one thing and show you less on the other side or state it never happened and they dont know what you are talking about. \n\nHe said to cancel but to tell them to give me a refund because you have not used any benefits.\n\nName XXXX XXXX XXXX XXXX Get out. Honest truth, get out of it. Multiple of the points above are qoutes from this employee at XXXX XXXX XXXX XXXX  rep escalating me had nothing to say when I rattled off this is two separate offers and they are deceptive and demand a refund. The sales pitch doesnt match the back end membership. He was silent and had to give me to someone elsXXXX XXXX XXXX \n\nSigned up on XXXX XXXX What we were sold does not match whats actual available. \n\nTold them on XXXX to escalate the membership to cancel and refund. I was told someone would reach out on 48-72 business hours. \n\nThis never happened I continually had to call them for an entire week or more to get in touch. \n\nXXXX XXXX XXXX  Asked for purchase order agreement \nIsrael is his name working on sending. This took multiple request and was told multiple times I cannot have copies of documents I signed onsite, which I had to inform them was illegal because I am a part of the document, being a party to it. They are still trying to actively keep clients from having access to documentation. (Also seen in my email chain where I had to ask multiple times to get a full document!!! Who sends part of a legal document unless you are trying to hide something, which they were with my signature being altered). The signatures have been altered. I have never signed a document that way. Check my bank, check my taxes and everything else I sign. They are wildly different. \n\nXXXX contract does not state that all the bonuses and benefits/perks as XXXX points and free nights do not get paid out XXXX XXXX XXXX signing but they are a times release over four years. This is never told to you or stated but stated during an onboarding call they scheduled that conveniently happens two weeks later to avoid you wanting to cancel in their 5 day grace period. I wish I had known this company was a scam company within the five days. I was having my wedding at the resort and not thinking much about it and you feel they are owned  by XXXX that would make them reputable. That is exactly what they wanted. I have yet to hear back from XXXX as I have called and emailed them about the matter. I attempted to redeem benefits that were not perks or bonuses but what they told me during the sales process. I tried for 3-4 days and finally on day 5 told them to cancel because after finding out the information above it is clear XXXX  salespeople are misleading and falsely representing the membership. This was weeks after I returned and after my welcome call where you see the yarn unfolding on this service. \n\nEmail Communication with XXXX:\nI have been informed by the XXXX XXXX XXXX contact I have been working with trying to cancel this membership with because they misrepresented XXXX during the sales process, also offered alcohol and supplied multiple drinks plus offered lunch but never provided. I have asked three times now for them to address why the one contract identifying me as a party is not written in my handwriting and appears altered but they never address the question and keep side stepping. I am curious if they supplied this document to Goldman. I have included it on my end. This is document labeled Onsite Document XXXX\n\nI have duplicated this document mentioned above and circled the area in red in question. Why is the line under my name erased and appears my name has been altered? They originally told me they could not supply me this document, and I told them that is illegal because Im a party on the document and entitled to a copy. \n\nThis company has been doing this unchecked for years and many reports online of the same behavior of telling potential members they can get all these benefits, but they then try to access them and told its not available. \n\nAt the end of the dayXXXX XXXX  cannot deliver their service and know this 100%. They prey on people and use illegal tactics to get them to sign up. Its a scam company.","date_sent_to_company":"2024-09-28T21:54:46.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"44102","tags":null,"has_narrative":true,"complaint_id":"10285708","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2024-09-28T21:16:48.000Z","state":"OH","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["XXXX stated they <em>cannot</em> use these points. XXXX makes up power points and exchange weeks and everything to confuse people and then their vendor and partner companies cant use the services you bought or, in my case as you read below, I was told by XXXX to run away fast. Cancel my membership. XXXX  <em>cannot</em> book XXXX XXXX XXXX <em>cannot</em> use trading power at XXXX XXXX XXXX XXXX  They <em>cannot</em> use points to book those hotels, period."]},"sort":[10.518854,"10285708"]},{"_index":"complaint-public-v1","_id":"15863296","_score":10.32244,"_source":{"product":"Credit card","complaint_what_happened":"b\"I am filing a complaint against Synchrony Bank regarding my XXXXXXXX XXXX XXXX account, XXXX XXXX XXXX XXXX XXXXI have been a customer in good standing, paying my balance in full and on time every month. I was under a promotion that offered 0% interest if payments were made on time. I successfully made all payments until the promotion's intended end date.\\n\\nI believed the promotion period lasted until the end of the billing cycle in XXXX XXXX XXXX However, Synchrony claims the promotion expired on XXXX XXXX XXXX  and because my payment was not received by that exact date, they retroactively charged me $XXXX  in interest, calculated from the original purchase date.\\n\\nThis practice is unfair and deceptive for the following reasons:\\n\\n1. Unclear Promotion Terms: My regular monthly payment due date has consistently been around the XXXX  of each month. The promotion terms were not made clear. It was not sufficiently disclosed that the promotion would end on a specific calendar date (XXXX XXXX that was different from my regular payment due date, and that failing to pay by that date would trigger retroactive interest.\\n\\n2. Reliance on Regular Billing Cycle: I reasonably relied on my established billing cycle, which gives me until the XXXX  to make a payment without penalty. I mailed a check in good time to meet the late XXXX XXXX  due date, but it was not collected from my mailbox. Due to being out of town, I was unaware of this issue.\\n\\n3. Systemic Issues Preventing Resolution: Synchrony Bank's systems have made it impossible for me to resolve this easily:\\n\\n- App Failure: I cannot access my account through their mobile application. It fails to recognize my account number and does not allow me to check my statement or payment status.\\n\\n- Unresponsive Customer Service: On the multiple occasions I have called to, no one answers the phone. I am left on hold indefinitely or the call disconnects. Untill, today, when they answer but provided no solution \\n\\nI believe this $XXXX  interest charge is unjust and a result of Synchrony's failure to clearly communicate critical terms of their promotion and their failure to provide functional customer service channels.\"","date_sent_to_company":"2025-09-12T00:35:03.000Z","issue":"Fees or interest","sub_product":"Store credit card","zip_code":"32751","tags":null,"has_narrative":true,"complaint_id":"15863296","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-09-12T00:21:51.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Unexpected increase in interest rate"},"highlight":{"complaint_what_happened":["I was under a promotion that offered 0% interest if payments were <em>made</em> on time. I successfully <em>made</em> all payments until the promotion's intended end date.\\n\\nI believed the promotion period lasted until the end of the billing cycle in XXXX XXXX XXXX However, Synchrony claims the promotion expired on XXXX XXXX XXXX  and <em>because</em> my payment was not received by that exact date, they retroactively charged me $XXXX  in interest, calculated from the original purchase date."]},"sort":[10.32244,"15863296"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":243,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":243}]}},"product":{"doc_count":243,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":55,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit 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