{"took":322,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":17090,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6606823","_score":18.57608,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"Credit Acceptance is refusing to provide me with the title to a car in which the debt is covered. According to Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq ) companies such as Credit Acceptance is participating in unfair debt collection practices. The Dodd-Frank Act granted rulemaking authority under the FDCPA to the consumer Financial Protection Bureau and , with respect to entities under its jurisdiction, granted authority to the CFBP to supervise for and enforce compliance with the FDCPA.","date_sent_to_company":"2023-02-24T00:22:17.000Z","issue":"Problem with the payoff process at the end of the loan","sub_product":"Title loan","zip_code":"48180","tags":null,"has_narrative":true,"complaint_id":"6606823","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CREDIT ACCEPTANCE CORPORATION","date_received":"2023-02-23T23:30:39.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Credit Acceptance is refusing to provide me with the title to a car in which the <em>debt</em> is covered. According to <em>Fair</em> <em>Debt</em> <em>Collection</em> Practices Act ( <em>FDCPA</em> ) ( 15 U.S.C. 1692 et seq ) companies such as Credit Acceptance is participating in unfair <em>debt</em> <em>collection</em> practices."]},"sort":[18.57608,"6606823"]},{"_index":"complaint-public-v1","_id":"9786981","_score":18.359653,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Fair Collections & Out, I am writing to formally address and dispute the collection account associated with XXXX XXXX XXXX XXXX The account in question was opened on XXXX XXXX, 2021, with an alleged collection amount of {$16000.00}. \n\nConcerns and Requests Violation of Privacy Act : According to the Privacy Act, XXXX XXXX XXXX had no right to share my personal information without my explicit consent. The unauthorized sharing of my information constitutes a violation of my privacy rights. \n\nVerification of Debt : Until sufficient and verifiable evidence of the alleged debt is provided, it is reasonable to assume that no such debt exists. Please provide detailed documentation supporting the legitimacy of this debt, including original account information and any agreements or records related to the collection. \n\nCease All Communication : Under 15 U.S.C. 1692c, which is part of the Fair Debt Collection Practices Act ( FDCPA ), I request that all communications regarding this debt cease immediately. This provision requires that a debt collector stop communicating with a consumer upon request, except to inform the consumer of specific actions being taken. \n\nRemoval of Debt : Under 15 U.S.C. 1692, which governs the accuracy of information provided by debt collectors, I request that the debt be removed from my credit report. If the debt can not be verified or is found to be inaccurate, it must be deleted to ensure compliance with fair credit reporting standards.\n\nConsumer Rights and Compliance The collection efforts and reporting of this debt appear to violate my consumer rights under the FDCPA and privacy laws. Therefore, I expect immediate compliance with my requests and confirmation of the actions taken.","date_sent_to_company":"2024-08-13T05:35:57.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"34953","tags":null,"has_narrative":true,"complaint_id":"9786981","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-13T05:29:59.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["Removal of <em>Debt</em> : Under 15 U.S.C. 1692, which governs the accuracy of information provided by <em>debt</em> collectors, I request that the <em>debt</em> be removed from my credit report. If the <em>debt</em> can not be verified or is found to be inaccurate, it must be deleted to ensure <em>compliance</em> with <em>fair</em> credit reporting standards.\n\nConsumer Rights and <em>Compliance</em> The <em>collection</em> efforts and reporting of this <em>debt</em> appear to violate my consumer rights under the <em>FDCPA</em> and privacy laws."]},"sort":[18.359653,"9786981"]},{"_index":"complaint-public-v1","_id":"9786949","_score":18.357836,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Fair Collections & Out, I am writing to formally address and dispute the collection account associated with XXXX XXXX XXXX XXXX The account in question was opened on XX/XX/ 2021, with an alleged collection amount of {$16000.00}. \n\nConcerns and Requests Violation of Privacy Act : According to the Privacy Act, XXXX XXXX XXXX had no right to share my personal information without my explicit consent. The unauthorized sharing of my information constitutes a violation of my privacy rights. \n\nVerification of Debt : Until sufficient and verifiable evidence of the alleged debt is provided, it is reasonable to assume that no such debt exists. Please provide detailed documentation supporting the legitimacy of this debt, including original account information and any agreements or records related to the collection. \n\nCease All Communication : Under 15 U.S.C. 1692c, which is part of the Fair Debt Collection Practices Act ( FDCPA ), I request that all communications regarding this debt cease immediately. This provision requires that a debt collector stop communicating with a consumer upon request, except to inform the consumer of specific actions being taken.\n\nRemoval of Debt : Under 15 U.S.C. 1692, which governs the accuracy of information provided by debt collectors, I request that the debt be removed from my credit report. If the debt can not be verified or is found to be inaccurate, it must be deleted to ensure compliance with fair credit reporting standards.\n\nConsumer Rights and Compliance The collection efforts and reporting of this debt appear to violate my consumer rights under the FDCPA and privacy laws. Therefore, I expect immediate compliance with my requests and confirmation of the actions taken.","date_sent_to_company":"2024-08-13T05:36:18.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"34953","tags":null,"has_narrative":true,"complaint_id":"9786949","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FAIR COLLECTIONS & OUTSOURCING, INC.","date_received":"2024-08-13T05:36:16.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["Removal of <em>Debt</em> : Under 15 U.S.C. 1692, which governs the accuracy of information provided by <em>debt</em> collectors, I request that the <em>debt</em> be removed from my credit report. If the <em>debt</em> can not be verified or is found to be inaccurate, it must be deleted to ensure <em>compliance</em> with <em>fair</em> credit reporting standards.\n\nConsumer Rights and <em>Compliance</em> The <em>collection</em> efforts and reporting of this <em>debt</em> appear to violate my consumer rights under the <em>FDCPA</em> and privacy laws."],"company":["<em>FAIR</em> <em>COLLECTIONS</em> & OUTSOURCING, INC."]},"sort":[18.357836,"9786949"]},{"_index":"complaint-public-v1","_id":"18350144","_score":18.292141,"_source":{"product":"Debt collection","complaint_what_happened":"This is my XXXX attempt to submit this complaint. My original submission was on XXXX. \n\nI am a victim of illegal debt collection and credit reporting practices by Columbia Debt Recovery, LLC ( dba Genesis ). They are attempting to collect a debt for a lease that was the subject of an eviction lawsuit in XXXX XXXX XXXX ( Case # XXXX ). That case was DISMISSED and SEALED by the Court on XX/XX/year>. The Court did not award any monetary judgment. \n\nOn XX/XX/year>, I emailed Genesis 's compliance department proof of the dismissal and a letter from my attorney, XXXX XXXX, XXXX, explaining that the charges ( legal fees/penalties ) are void under Colorado Law ( C.R.S. 38-12-801 ). \n\nDespite having proof that the debt is invalid and legally void, Genesis willfully reported this derogatory item to XXXX  in XX/XX/year>. This violates the FCRA ( furnishing inaccurate info ) and the FDCPA/Colorado FDCPA ( misrepresenting the legal status of a debt ). I have demanded they delete this item immediately and compensate me financially for their willful and negligent non-compliance with the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Colorado Fair Debt Collection Practices Act ( CFDCPA ).","date_sent_to_company":"2025-12-29T20:39:21.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"80239","tags":null,"has_narrative":true,"complaint_id":"18350144","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis","date_received":"2025-12-29T20:16:28.000Z","state":"CO","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["This violates the FCRA ( furnishing inaccurate info ) and the <em>FDCPA</em>/Colorado <em>FDCPA</em> ( misrepresenting the legal status of a <em>debt</em> ). I have demanded they delete this item immediately and compensate me financially for their willful and negligent non-<em>compliance</em> with the <em>Fair</em> Credit Reporting Act ( FCRA ), the <em>Fair</em> <em>Debt</em> <em>Collection</em> Practices Act ( <em>FDCPA</em> ), and the Colorado <em>Fair</em> <em>Debt</em> <em>Collection</em> Practices Act ( CFDCPA )."],"product":["<em>Debt</em> <em>collection</em>"],"issue":["Attempts to collect <em>debt</em> not owed"],"company":["A/KA Columbia <em>Debt</em> Recovery, LLC d/b/a Genesis"],"sub_product":["Rental <em>debt</em>"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[18.292141,"18350144"]},{"_index":"complaint-public-v1","_id":"8068197","_score":18.20383,"_source":{"product":"Debt collection","complaint_what_happened":"Dear Wayfair and XXXX XXXX, I appreciate your prompt response to my debt validation letter dated XX/XX/, and I have carefully reviewed the information provided. However, there remain critical concerns that need to be addressed, and I believe it is in the best interest of both parties to reach an equitable resolution. \n\n1. **Lack of Contractual Obligation : ** The absence of the requested contract specifying my obligation to pay the alleged debt raises concerns about compliance with the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ). To facilitate a fair resolution, I propose the deletion of this debt from my credit report.\n\n2. **Possible Debt Cancellation : ** The potential cancellation of the debt via 1099c, as suggested by Wayfair 's language, raises questions about the validity of continued collection attempts. In light of this, and to ensure compliance with the FDCPA, I kindly request that Wayfair cease all debt collection efforts related to this account. \n\n3. **Applicability of the FDCPA : ** While Wayfair asserted that the FDCPA does not apply to them as the original creditor, it is essential to recognize that a debt collector, as defined by the FDCPA 803 ( 6 ), includes anyone attempting to collect a debt. Acknowledging this, and to avoid any legal complexities, I suggest removing the debt from my credit report. \n\n4. **Georgia State Laws : ** To further ensure compliance with Georgia s\n\ntate law ( O.C.G.A. 7-3-15 ), which mandates that debt collectors must be licensed, I request evidence of Wayfair 's compliance.\n\n5. **Void Agreement : ** Given the lack of disclosure of important details about the agreement and my inability to understand the terms fully, I assert that any agreement we may have is now void. This is due to my reasonable expectation that all pertinent details would be transparently communicated. As such, I propose that Wayfair acknowledges the nullification of any agreement related to this alleged debt. \n\nIn light of the above, and to foster an amicable resolution, I propose that Wayfair promptly removes the alleged debt from my credit report, ceases all debt collection attempts related to this account, and acknowledges the void status of any prior agreement. This approach will not only mitigate any potential legal complications but also save both parties the time and expense associated with protracted legal proceedings. \n\nI believe this course of action is fair and reasonable and trust that Wayfair will consider this proposal seriously. I anticipate your timely response confirming the implementation of these measures. \n\nPlease enjoy your holiday.","date_sent_to_company":"2023-12-27T21:41:42.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"30349","tags":null,"has_narrative":true,"complaint_id":"8068197","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2023-12-27T21:22:28.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["**Lack of Contractual Obligation : ** The absence of the requested contract specifying my obligation to pay the alleged <em>debt</em> raises concerns about <em>compliance</em> with the <em>Fair</em> <em>Debt</em> <em>Collection</em> Practices Act ( <em>FDCPA</em> ) 809 ( b ). To facilitate a <em>fair</em> resolution, I propose the deletion of this <em>debt</em> from my credit report.\n\n2."],"product":["<em>Debt</em> <em>collection</em>"],"sub_product":["Credit card <em>debt</em>"]},"sort":[18.20383,"8068197"]},{"_index":"complaint-public-v1","_id":"11228577","_score":18.150167,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Non-Compliance with FDCPA by Monterey Collections Details : Monterey Collections has failed to provide complete debt validation as required under the Fair Debt Collection Practices Act. \nMissing documentation includes : Proof of assignment from the original creditor. \nDetailed breakdown of charges. \nInformation on whether a 1099-C was issued. \nThe company is not licensed in Illinois, where the debt collection is being attempted.","date_sent_to_company":"2024-12-20T17:57:35.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"60653","tags":null,"has_narrative":true,"complaint_id":"11228577","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Monterey Financial Services LLC","date_received":"2024-12-20T17:31:21.000Z","state":"IL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Subject : Non-<em>Compliance</em> with <em>FDCPA</em> by Monterey <em>Collections</em> Details : Monterey <em>Collections</em> has failed to provide complete <em>debt</em> validation as required under the <em>Fair</em> <em>Debt</em> <em>Collection</em> Practices Act. \nMissing documentation includes : Proof of assignment from the original creditor. \nDetailed breakdown of charges. \nInformation on whether a 1099-C was issued. \nThe company is not licensed in Illinois, where the <em>debt</em> <em>collection</em> is being attempted."],"product":["<em>Debt</em> <em>collection</em>"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Rental <em>debt</em>"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[18.150167,"11228577"]},{"_index":"complaint-public-v1","_id":"13051350","_score":18.038082,"_source":{"product":"Debt collection","complaint_what_happened":"I am disputing a collection account reported by Portfolio Recovery Associates ( original creditor : XXXX XXXX  ). The account ( # XXXX ) reports a balance of {$1300.00} and has been verified as a collection. \n\nI previously requested debt validation from Portfolio Recovery under the FDCPA and never received full documentation proving I owe the debt, including a signed agreement or detailed account breakdown. \n\nDespite the lack of verification, the account continues to report as a valid collection. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). \n\nI request immediate deletion of this unverified account from all credit reporting agencies or full validation in compliance with federal law.","date_sent_to_company":"2025-04-17T17:34:21.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"90604","tags":null,"has_narrative":true,"complaint_id":"13051350","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2025-04-17T17:23:06.000Z","state":"CA","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Despite the lack of verification, the account continues to report as a valid <em>collection</em>. This is a direct violation of the <em>Fair</em> Credit Reporting Act ( FCRA ) and <em>Fair</em> <em>Debt</em> <em>Collection</em> Practices Act ( <em>FDCPA</em> ). \n\nI request immediate deletion of this unverified account from all credit reporting agencies or full validation in <em>compliance</em> with federal law."],"product":["<em>Debt</em> <em>collection</em>"],"issue":["Written notification about <em>debt</em>"],"sub_product":["Credit card <em>debt</em>"],"sub_issue":["Didn't receive enough information to verify <em>debt</em>"]},"sort":[18.038082,"13051350"]},{"_index":"complaint-public-v1","_id":"9786951","_score":18.003893,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Fair Collections & Out, I am writing to formally address and dispute the collection account associated with XXXX XXXX XXXX XXXX The account in question was opened on XX/XX/scrub>XXXX XXXX  2021, with an alleged collection amount of {$16000.00}. \n\nConcerns and Requests Violation of Privacy Act : According to the Privacy Act, XXXX XXXX XXXX had no right to share my personal information without my explicit consent. The unauthorized sharing of my information constitutes a violation of my privacy rights. \n\nVerification of Debt : Until sufficient and verifiable evidence of the alleged debt is provided, it is reasonable to assume that no such debt exists. Please provide detailed documentation supporting the legitimacy of this debt, including original account information and any agreements or records related to the collection. \n\nCease All Communication : Under 15 U.S.C. 1692c, which is part of the Fair Debt Collection Practices Act ( FDCPA ), I request that all communications regarding this debt cease immediately. This provision requires that a debt collector stop communicating with a consumer upon request, except to inform the consumer of specific actions being taken. \n\nRemoval of Debt : Under 15 U.S.C. 1692, which governs the accuracy of information provided by debt collectors, I request that the debt be removed from my credit report. If the debt can not be verified or is found to be inaccurate, it must be deleted to ensure compliance with fair credit reporting standards.\n\nConsumer Rights and Compliance The collection efforts and reporting of this debt appear to violate my consumer rights under the FDCPA and privacy laws. Therefore, I expect immediate compliance with my requests and confirmation of the actions taken.","date_sent_to_company":"2024-08-13T05:36:18.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"34953","tags":null,"has_narrative":true,"complaint_id":"9786951","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-08-13T05:36:16.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["Removal of <em>Debt</em> : Under 15 U.S.C. 1692, which governs the accuracy of information provided by <em>debt</em> collectors, I request that the <em>debt</em> be removed from my credit report. If the <em>debt</em> can not be verified or is found to be inaccurate, it must be deleted to ensure <em>compliance</em> with <em>fair</em> credit reporting standards.\n\nConsumer Rights and <em>Compliance</em> The <em>collection</em> efforts and reporting of this <em>debt</em> appear to violate my consumer rights under the <em>FDCPA</em> and privacy laws."]},"sort":[18.003893,"9786951"]},{"_index":"complaint-public-v1","_id":"16432617","_score":17.939058,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/year>, I sent a certified Debt Validation Request to [ Collection Agency Name ] under the Fair Debt Collection Practices Act ( FDCPA ). \n\n\nThe agency received my request but failed to provide any validation or proof of ownership of the alleged debt. \nDespite failing to validate, the agency continues to report the alleged account to the credit bureaus, in violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). \nI am requesting that the CFPB enforce compliance, require the removal of this unvalidated tradeline, and take further regulatory action against the collection agency. \nAttachments Included Copy of my original Debt Validation Request ( dated XX/XX/year> ) XXXX XXXX Mail Receipt XXXX Delivery Confirmation/Tracking Proof Current Credit Report showing the collection tradeline","date_sent_to_company":"2025-10-08T01:10:12.000Z","issue":"Written notification about debt","sub_product":"Telecommunications debt","zip_code":"293XX","tags":null,"has_narrative":true,"complaint_id":"16432617","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Diversified Adjustment Service, Inc.","date_received":"2025-10-08T00:52:04.000Z","state":"SC","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["On XX/XX/year>, I sent a certified <em>Debt</em> Validation Request to [ <em>Collection</em> Agency Name ] under the <em>Fair</em> <em>Debt</em> <em>Collection</em> Practices Act ( <em>FDCPA</em> ). \n\n\nThe agency received my request but failed to provide any validation or proof of ownership of the alleged <em>debt</em>. \nDespite failing to validate, the agency continues to report the alleged account to the credit bureaus, in violation of the <em>FDCPA</em> and the <em>Fair</em> Credit Reporting Act ( FCRA )."],"product":["<em>Debt</em> <em>collection</em>"],"issue":["Written notification about <em>debt</em>"],"sub_product":["Telecommunications <em>debt</em>"],"sub_issue":["Didn't receive enough information to verify <em>debt</em>"]},"sort":[17.939058,"16432617"]},{"_index":"complaint-public-v1","_id":"11129728","_score":17.926043,"_source":{"product":"Debt collection","complaint_what_happened":"Violation of the FDCPA : Failure to Validate Debt I am filing this complaint against Spring Oaks Capital for their failure to validate an alleged debt account as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ).\n\nOn [ insert date ], I received communication from Spring Oaks Capital regarding an alleged debt they claim I owe. In response, I promptly sent a written request for validation of the debt on [ insert date of your letter ], which was delivered via [ certified mail, tracking number ] on [ insert delivery date ]. \n\nUnder the FDCPA, debt collectors are legally required to : Provide sufficient validation of the debt, including the original creditor 's name, a detailed breakdown of the debt amount, and evidence of their authority to collect the debt. \nSuspend all collection activities, including reporting the debt to credit bureaus, until they provide proper validation. \nSpring Oaks Capital has failed to meet these obligations. They have neither provided the requested validation nor ceased their collection efforts. Furthermore, they have reported this unverified debt to the credit bureaus, causing harm to my credit profile and financial well-being. \n\nDesired Resolution : To resolve this issue, I request the following actions : Immediate Validation of Debt : Require Spring Oaks Capital to provide detailed documentation proving the validity of the alleged debt. This should include : A copy of the original agreement with the creditor. \nAn accurate breakdown of the debt amount. \nProof that Spring Oaks Capital is legally authorized to collect the debt. \nImmediate Cease of Collection Efforts : Ensure that Spring Oaks Capital halts all collection activities, including communication with me and reporting to credit bureaus, until proper validation is provided. \nImmediate Removal from Credit Bureaus : Direct Spring Oaks Capital to immediately remove any references to this unvalidated debt from my credit reports with XXXX, XXXX, and XXXX unless the debt is validated in full compliance with the FDCPA. \nInvestigation of Compliance Practices : Investigate whether Spring Oaks Capital routinely engages in practices that violate the FDCPA. \nImpose penalties or corrective actions if a pattern of non-compliance is identified. \nConsumer Protection Assurance : Provide me with written confirmation that this account will not be pursued further unless it is properly validated under federal law. \nBy addressing these issues, I aim to ensure Spring Oaks Capital complies with the FDCPA and that I am no longer subjected to unwarranted collection activities or harm to my credit profile. \nI seek prompt resolution to restore my credit profile, protect my rights under the FDCPA, and ensure compliance with federal credit and debt collection laws. \n\nThank you for your attention to this matter.","date_sent_to_company":"2024-12-12T22:15:00.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"89122","tags":null,"has_narrative":true,"complaint_id":"11129728","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Spring Oaks Capital, LLC","date_received":"2024-12-12T22:07:11.000Z","state":"NV","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Violation of the <em>FDCPA</em> : Failure to Validate <em>Debt</em> I am filing this complaint against Spring Oaks Capital for their failure to validate an alleged <em>debt</em> account as required by the <em>Fair</em> <em>Debt</em> <em>Collection</em> Practices Act ( <em>FDCPA</em> ), 15 U.S.C. 1692g ( b ).\n\nOn [ insert date ], I received communication from Spring Oaks Capital regarding an alleged <em>debt</em> they claim I owe."],"product":["<em>Debt</em> <em>collection</em>"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[17.926043,"11129728"]},{"_index":"complaint-public-v1","_id":"15985222","_score":17.875015,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint against Portfolio Recovery Associates ( PRA ) for reporting and attempting to collect an alleged debt that has not been properly validated. Their actions violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).\n\nViolations and Concerns : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 PRA is furnishing information to consumer reporting agencies that has not been proven accurate.\n\nDespite disputes, this account remains on my credit reports, violating the FCRAs requirement for maximum possible accuracy.\n\nFair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g PRA has failed to provide competent validation of the alleged debt. \n\nContinuing to report or attempt collection without producing proof of liability is a direct violation of federal law. \n\nConsumer Harm This account has been disputed multiple times. PRA has not supplied proper documentation or proof of ownership/assignment of the alleged debt, yet it continues to damage my creditworthiness and financial stability.\n\nResolution Sought : I respectfully request the following corrective actions : Permanent Deletion Immediate removal of the PRA tradeline from all consumer reporting agencies ( XXXX XXXX XXXX XXXX ).\n\nCessation of Collection Activity PRA must stop reporting or attempting to collect unless full legal validation is provided, in compliance with the FDCPA and FCRA. \n\nWritten Confirmation I request written proof that the account has been deleted and will not be reinserted without full compliance with consumer protection laws. \n\nCompliance Assurance PRA must certify adherence to all provisions of the FCRA and FDCPA to prevent future violations. \n\nI am asking the CFPB to investigate this matter and take all necessary actions to ensure my consumer rights are protected, and the inaccurate reporting is permanently deleted.","date_sent_to_company":"2025-09-16T16:09:43.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"339XX","tags":null,"has_narrative":true,"complaint_id":"15985222","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2025-09-16T16:07:27.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I am filing this complaint against Portfolio Recovery Associates ( PRA ) for reporting and attempting to collect an alleged <em>debt</em> that has not been properly validated. Their actions violate my rights under the <em>Fair</em> Credit Reporting Act ( FCRA ) and the <em>Fair</em> <em>Debt</em> <em>Collection</em> Practices Act ( <em>FDCPA</em> ).\n\nViolations and Concerns : <em>Fair</em> Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 PRA is furnishing information to consumer reporting agencies that has not been proven accurate."],"product":["<em>Debt</em> <em>collection</em>"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[17.875015,"15985222"]},{"_index":"complaint-public-v1","_id":"9966745","_score":17.871986,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Request for Removal of Unverified Accounts Based on FDCPA Dear Equifax Dispute Department, I am writing to formally request the removal of certain accounts from my credit report, as they are unverified and violate the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA mandates that upon a consumer 's request, debt collectors must provide proper verification of any debt they attempt to collect. If they fail to do so, they are prohibited from further collection activities related to that debt.\n\nI have previously disputed these accounts in writing with the respective debt collectors and requested proper verification of the debts. To date, I have not received the required documentation validating these accounts. As such, these accounts are considered \" unverified, '' and the continued reporting of these accounts by Equifax is improper and not in compliance with federal law.","date_sent_to_company":"2024-08-30T22:14:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"46219","tags":null,"has_narrative":true,"complaint_id":"9966745","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-08-30T22:04:28.000Z","state":"IN","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Subject : Request for Removal of Unverified Accounts Based on <em>FDCPA</em> Dear Equifax Dispute Department, I am writing to formally request the removal of certain accounts from my credit report, as they are unverified and violate the <em>Fair</em> <em>Debt</em> <em>Collection</em> Practices Act ( <em>FDCPA</em> ). The <em>FDCPA</em> mandates that upon a consumer 's request, <em>debt</em> collectors must provide proper verification of any <em>debt</em> they attempt to collect."]},"sort":[17.871986,"9966745"]},{"_index":"complaint-public-v1","_id":"18894680","_score":17.867868,"_source":{"product":"Debt collection","complaint_what_happened":"Complaint Type : Debt Collection Company : ProCollect Inc Account : XXXXXXXX XXXX XXXX XXXX XXXX Issue : False validation, continued collection after dispute, and misrepresentation of compliance Complaint Title ProCollect Inc. Falsely Claimed Debt Validation and Continued Collection in Violation of FDCPA Complaint Narrative I am submitting this second complaint against ProCollect Inc. due to the companys failure to comply with federal debt collection laws and for misrepresenting compliance in its response to my prior CFPB complaint.\n\nProCollect Inc. previously claimed that it mailed proof of the debt to me on XX/XX/year>. However, ProCollect has never provided any documentation that satisfies the validation requirements under the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : No copy of any contract bearing my signature No proof of assignment or chain of title No documentation demonstrating ProCollects legal authority to collect No itemized accounting from the original creditor Merely asserting that documents were mailed does not constitute validation under FDCPA 1692g ( b ). ProCollects response to the CFPB contained no description of what documentation was allegedly provided and therefore constitutes a false representation of compliance.\n\nFurthermore, ProCollect improperly attempted to shift the burden to me by stating that I had not provided proof that the debt was invalid. This is a misstatement of law. Under the FDCPA, the burden of validation rests entirely with the debt collector, not the consumer.\n\nDespite my dispute, ProCollect continued collection activity by inviting payment in its CFPB response. Continued collection activity after a disputed debt without proper validation violates FDCPA 1692g ( b ).\n\nProCollects conduct constitutes violations of : FDCPA 1692g ( b ) failure to properly validate a disputed debt FDCPA 1692e false or misleading representations FDCPA 1692f unfair collection practices In addition, ProCollects response to the CFPB misrepresented its compliance status and attempted to portray noncompliance as lawful validation, which undermines the integrity of the CFPB complaint process.\n\nResolution Requested I respectfully request that : ProCollect Inc. be required to provide competent legal validation of this alleged debt, including full chain of title and contractual proof.\n\nProCollect Inc. be required to cease all collection and reporting activity until lawful validation is produced.\n\nIf ProCollect can not provide proper validation, the account must be permanently removed from all consumer reporting agencies.\n\nThe CFPB record reflect that ProCollects prior response did not constitute lawful validation under the FDCPA.\n\nConsumer Impact Statement This matter has caused ongoing harm through improper collection attempts and continued reporting of an unverified debt. I have acted in good faith, while ProCollect has relied on unsupported assertions rather than lawful documentation.\n\nPublication Consent I consent to this complaint being published after CFPB redaction of personal information.","date_sent_to_company":"2026-01-21T17:37:43.000Z","issue":"Written notification about debt","sub_product":"Rental debt","zip_code":"60411","tags":"Servicemember","has_narrative":true,"complaint_id":"18894680","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"ProCollect, Inc.","date_received":"2026-01-21T17:11:35.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Falsely Claimed <em>Debt</em> Validation and Continued <em>Collection</em> in Violation of <em>FDCPA</em> Complaint Narrative I am submitting this second complaint against ProCollect Inc. due to the companys failure to comply with federal <em>debt</em> <em>collection</em> laws and for misrepresenting <em>compliance</em> in its response to my prior CFPB complaint.\n\nProCollect Inc. previously claimed that it mailed proof of the <em>debt</em> to me on XX/XX/year>."],"product":["<em>Debt</em> <em>collection</em>"],"issue":["Written notification about <em>debt</em>"],"sub_product":["Rental <em>debt</em>"],"sub_issue":["Didn't receive enough information to verify <em>debt</em>"]},"sort":[17.867868,"18894680"]},{"_index":"complaint-public-v1","_id":"12050652","_score":17.861383,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Formal Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) Dear TransUnion, Experian & Equifax I am writing to formally dispute inaccurate, incomplete, and unverifiable information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and to address violations under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692. I request that your agency investigate the items outlined below and take corrective action to ensure compliance with federal and state laws.","date_sent_to_company":"2025-02-21T19:32:56.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"76006","tags":null,"has_narrative":true,"complaint_id":"12050652","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-13T21:22:06.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Formal Complaint Regarding Violations of the <em>Fair</em> Credit Reporting Act ( FCRA ) and <em>Fair</em> <em>Debt</em> <em>Collection</em> Practices Act ( <em>FDCPA</em> ) Dear TransUnion, Experian & Equifax I am writing to formally dispute inaccurate, incomplete, and unverifiable information on my credit report in accordance with the <em>Fair</em> Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and to address violations under the <em>Fair</em> <em>Debt</em> <em>Collection</em> Practices Act ( <em>FDCPA</em> ), 15 U.S. Code 1692."]},"sort":[17.861383,"12050652"]},{"_index":"complaint-public-v1","_id":"12051284","_score":17.859457,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Formal Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) Dear TransUnion, Experian & Equifax I am writing to formally dispute inaccurate, incomplete, and unverifiable information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and to address violations under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692. I request that your agency investigate the items outlined below and take corrective action to ensure compliance with federal and state laws.","date_sent_to_company":"2025-02-21T19:33:10.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"76006","tags":null,"has_narrative":true,"complaint_id":"12051284","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-13T21:32:02.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Formal Complaint Regarding Violations of the <em>Fair</em> Credit Reporting Act ( FCRA ) and <em>Fair</em> <em>Debt</em> <em>Collection</em> Practices Act ( <em>FDCPA</em> ) Dear TransUnion, Experian & Equifax I am writing to formally dispute inaccurate, incomplete, and unverifiable information on my credit report in accordance with the <em>Fair</em> Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and to address violations under the <em>Fair</em> <em>Debt</em> <em>Collection</em> Practices Act ( <em>FDCPA</em> ), 15 U.S. Code 1692."]},"sort":[17.859457,"12051284"]},{"_index":"complaint-public-v1","_id":"10552379","_score":17.849876,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XX/XX/year> Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Cease and Desist Notice Regarding Alleged Debt Account # XXXX Amount {$3800.00} To Whom It May Concern, I am writing to request that you and your company desist all collection activities related to the alleged debt referenced above, which is purportedly owed to your company. This request is made under the provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the requirements of 15 USC 1602 regarding the provision of a 1099-C form in cases of charge-offs and write-offs.\n\nBased on the absence of a 1099-C form and the lack of validation of the debt in accordance with the FDCPA, I have serious concerns regarding the legal validity and necessity of continued collection efforts by your company. Without the proper documentation and compliance with the provisions of 15 USC 1602, I request that all collection activities cease immediately.\n\nTherefore, according to my rights under the FDCPA and the legal requirements outlined in 15 USC 1602, I formally request that you and your company : Cease all communication with me and any third parties regarding the alleged debt, including but not limited to phone calls, letters, and any other form of contact Cease all collection activities, including reporting the alleged debt to credit bureaus or pursuing any legal action.\n\nRefrain from any further assertion of the alleged debt until adequate documentation and compliance with 15 USC 1602 are provided to me.\n\nI remind you that failure to comply with this request will be considered a violation of the FDCPA and may result in legal action. Please take this notice seriously and provide confirmation in writing that collection activities have ceased.\n\nPlease consider this letter as a formal demand for the cessation of all collection activities related to the alleged debt in question. No further communication or collection attempts should be made concerning this debt until the requested documentation and compliance with 15 USC 1602 are provided and the debt is validated under the FDCPA. \nSincerely, XXXX XXXX","date_sent_to_company":"2024-10-29T14:50:40.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"23237","tags":null,"has_narrative":true,"complaint_id":"10552379","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2024-10-23T22:16:36.000Z","state":"VA","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["This request is made under the provisions of the <em>Fair</em> <em>Debt</em> <em>Collection</em> Practices Act ( <em>FDCPA</em> ) and the requirements of 15 USC 1602 regarding the provision of a 1099-C form in cases of charge-offs and write-offs.\n\nBased on the absence of a 1099-C form and the lack of validation of the <em>debt</em> in accordance with the <em>FDCPA</em>, I have serious concerns regarding the legal validity and necessity of continued <em>collection</em> efforts by your company."],"product":["<em>Debt</em> <em>collection</em>"],"sub_product":["Credit card <em>debt</em>"]},"sort":[17.849876,"10552379"]},{"_index":"complaint-public-v1","_id":"10546830","_score":17.849876,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Virginia XXXX XX/XX/year> OneMain XXXX XXXX XXXX XXXX, Maryland XXXX Re : Cease and Desist Notice Regarding Alleged Debt Account # XXXX Amount {$3800.00} To Whom It May Concern, I am writing to request that you and your company desist all collection activities related to the alleged debt referenced above, which is purportedly owed to your company. This request is made under the provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the requirements of 15 USC 1602 regarding the provision of a 1099-C form in cases of charge-offs and write-offs.\n\nBased on the absence of a 1099-C form and the lack of validation of the debt in accordance with the FDCPA, I have serious concerns regarding the legal validity and necessity of continued collection efforts by your company. Without the proper documentation and compliance with the provisions of 15 USC 1602, I request that all collection activities cease immediately. \n\nTherefore, according to my rights under the FDCPA and the legal requirements outlined in 15 USC 1602, I formally request that you and your company : Cease all communication with me and any third parties regarding the alleged debt, including but not limited to phone calls, letters, and any other form of contact Cease all collection activities, including reporting the alleged debt to credit bureaus or pursuing any legal action.\n\nRefrain from any further assertion of the alleged debt until adequate documentation and compliance with 15 USC 1602 are provided to me.\n\nI remind you that failure to comply with this request will be considered a violation of the FDCPA and may result in legal action. Please take this notice seriously and provide confirmation in writing that collection activities have ceased. \n\nPlease consider this letter as a formal demand for the cessation of all collection activities related to the alleged debt in question. No further communication or collection attempts should be made concerning this debt until the requested documentation and compliance with 15 USC 1602 are provided and the debt is validated under the FDCPA. \nSincerely, XXXX XXXX","date_sent_to_company":"2024-10-23T23:15:42.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"23237","tags":null,"has_narrative":true,"complaint_id":"10546830","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"OneMain Finance Corporation","date_received":"2024-10-23T23:00:36.000Z","state":"VA","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["This request is made under the provisions of the <em>Fair</em> <em>Debt</em> <em>Collection</em> Practices Act ( <em>FDCPA</em> ) and the requirements of 15 USC 1602 regarding the provision of a 1099-C form in cases of charge-offs and write-offs.\n\nBased on the absence of a 1099-C form and the lack of validation of the <em>debt</em> in accordance with the <em>FDCPA</em>, I have serious concerns regarding the legal validity and necessity of continued <em>collection</em> efforts by your company."]},"sort":[17.849876,"10546830"]},{"_index":"complaint-public-v1","_id":"11129744","_score":17.848988,"_source":{"product":"Debt collection","complaint_what_happened":"To resolve this matter, I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to take the following actions : Full Validation of Debt : Require XXXX XXXX XXXX  to provide comprehensive documentation validating the alleged debt. This should include the name of the original creditor, a detailed breakdown of the debt amount, and proof of their legal authority to collect the debt. \nImmediate Cessation of Collection Efforts : Ensure that XXXX XXXX XXXX immediately halts all collection activities and communications with me until they provide proper debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ). \nImmediate Removal from Credit Reports : XXXX XXXX XXXX XXXX  to immediately remove any inaccurate or unvalidated entries related to this debt from my credit reports with XXXX, XXXX, and XXXX. \nConfirm that XXXX XXXX XXXX will not re-report this debt to the credit bureaus unless it is fully validated in compliance with federal law. \nInvestigation into Compliance Practices : Conduct a thorough investigation into XXXX XXXX XXXX practices to determine if there is a pattern of non-compliance with the FDCPA or other consumer protection laws. Impose penalties or corrective measures if violations are identified. \nConsumer Protection Assurance : Provide written confirmation that this account will not be pursued further unless legally validated, ensuring my rights as a consumer are upheld under the FDCPA.\n\nBy addressing these concerns, I aim to restore the accuracy of my credit report, halt unwarranted collection activities, and ensure XXXX XXXX XXXX complies with federal laws governing debt collection practices. \n\nThank you for your prompt attention to this matter.","date_sent_to_company":"2024-12-12T22:25:16.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"89122","tags":null,"has_narrative":true,"complaint_id":"11129744","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"I.C. System, Inc.","date_received":"2024-12-12T22:15:31.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Immediate Cessation of <em>Collection</em> Efforts : Ensure that XXXX XXXX XXXX immediately halts all <em>collection</em> activities and communications with me until they provide proper <em>debt</em> validation as required under the <em>Fair</em> <em>Debt</em> <em>Collection</em> Practices Act ( <em>FDCPA</em> ). \nImmediate Removal from Credit Reports : XXXX XXXX XXXX XXXX  to immediately remove any inaccurate or unvalidated entries related to this <em>debt</em> from my credit reports with XXXX, XXXX, and XXXX."],"product":["<em>Debt</em> <em>collection</em>"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[17.848988,"11129744"]},{"_index":"complaint-public-v1","_id":"12334947","_score":17.826578,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing regarding a collection account that is being reported in my credit report on potential violation of fair credit and debt collection laws. \nThe collection account in question is reported by DISCOVER Bank has a balance of XXXX. Despite the account remaining on my credit report, I have not received a Form 1099-C ( Cancellation of Debt ) as required when a debt is canceled or discharged in accordance with IRS guidelines XXXX \nUnder the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), creditors and collection agencies must ensure accurate and fair reporting. Reporting a debt without issuing a required 1099-C form raises questions about the validity of the debt and compliance with federal regulations.","date_sent_to_company":"2025-03-05T04:39:23.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"75034","tags":null,"has_narrative":true,"complaint_id":"12334947","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2025-03-05T04:36:20.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Despite the account remaining on my credit report, I have not received a Form 1099-C ( Cancellation of <em>Debt</em> ) as required when a <em>debt</em> is canceled or discharged in accordance with IRS guidelines XXXX \nUnder the <em>Fair</em> Credit Reporting Act ( FCRA ) and the <em>Fair</em> <em>Debt</em> <em>Collection</em> Practices Act ( <em>FDCPA</em> ), creditors and <em>collection</em> agencies must ensure accurate and <em>fair</em> reporting."],"product":["<em>Debt</em> <em>collection</em>"],"issue":["Written notification about <em>debt</em>"],"sub_product":["Credit card <em>debt</em>"]},"sort":[17.826578,"12334947"]},{"_index":"complaint-public-v1","_id":"12326887","_score":17.826578,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing regarding a collection account that is being reported in my credit report on potential violation of fair credit and debt collection laws. \nThe collection account in question is reported by BANK OF AMERICA has a balance of {$8900.00}. Despite the account remaining on my credit report, I have not received a Form 1099-C ( Cancellation of Debt ) as required when a debt is canceled or discharged in accordance with IRS guidelines XXXX \nUnder the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), creditors and collection agencies must ensure accurate and fair reporting. Reporting a debt without issuing a required 1099-C form raises questions about the validity of the debt and compliance with federal regulations.","date_sent_to_company":"2025-03-05T04:58:51.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"75034","tags":null,"has_narrative":true,"complaint_id":"12326887","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-03-05T04:54:52.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Despite the account remaining on my credit report, I have not received a Form 1099-C ( Cancellation of <em>Debt</em> ) as required when a <em>debt</em> is canceled or discharged in accordance with IRS guidelines XXXX \nUnder the <em>Fair</em> Credit Reporting Act ( FCRA ) and the <em>Fair</em> <em>Debt</em> <em>Collection</em> Practices Act ( <em>FDCPA</em> ), creditors and <em>collection</em> agencies must ensure accurate and <em>fair</em> reporting."],"product":["<em>Debt</em> <em>collection</em>"],"issue":["Written notification about <em>debt</em>"],"sub_product":["Credit card <em>debt</em>"]},"sort":[17.826578,"12326887"]},{"_index":"complaint-public-v1","_id":"12308762","_score":17.826578,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing regarding a collection account that is being reported in my credit report on potential violation of fair credit and debt collection laws. \nThe collection account in question is reported by SYNCBXXXX XXXX XXXX  has a balance of {$6200.00}. Despite the account remaining on my credit report, I have not received a Form 1099-C ( Cancellation of Debt ) as required when a debt is canceled or discharged in accordance with IRS guidelines . \nUnder the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), creditors and collection agencies must ensure accurate and fair reporting. Reporting a debt without issuing a required 1099-C form raises questions about the validity of the debt and compliance with federal regulations.","date_sent_to_company":"2025-03-04T23:57:38.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"75034","tags":null,"has_narrative":true,"complaint_id":"12308762","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-03-04T23:53:46.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Under the <em>Fair</em> Credit Reporting Act ( FCRA ) and the <em>Fair</em> <em>Debt</em> <em>Collection</em> Practices Act ( <em>FDCPA</em> ), creditors and <em>collection</em> agencies must ensure accurate and <em>fair</em> reporting. Reporting a <em>debt</em> without issuing a required 1099-C form raises questions about the validity of the <em>debt</em> and <em>compliance</em> with federal regulations."],"product":["<em>Debt</em> <em>collection</em>"],"issue":["Written notification about <em>debt</em>"],"sub_product":["Credit card <em>debt</em>"],"sub_issue":["Didn't receive enough information to verify <em>debt</em>"]},"sort":[17.826578,"12308762"]},{"_index":"complaint-public-v1","_id":"12308462","_score":17.826578,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing regarding a collection account that is being reported in my credit report on potential violation of fair credit and debt collection laws. \nThe collection account in question is reported by BANK OF AMERICA has a balance of {$8900.00}. Despite the account remaining on my credit report, I have not received a Form 1099-C ( Cancellation of Debt ) as required when a debt is canceled or discharged in accordance with IRS guidelines .\n\nUnder the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), creditors and collection agencies must ensure accurate and fair reporting. Reporting a debt without issuing a required 1099-C form raises questions about the validity of the debt and compliance with federal regulations.","date_sent_to_company":"2025-03-05T00:07:53.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"75034","tags":null,"has_narrative":true,"complaint_id":"12308462","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-03-05T00:04:50.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Under the <em>Fair</em> Credit Reporting Act ( FCRA ) and the <em>Fair</em> <em>Debt</em> <em>Collection</em> Practices Act ( <em>FDCPA</em> ), creditors and <em>collection</em> agencies must ensure accurate and <em>fair</em> reporting. Reporting a <em>debt</em> without issuing a required 1099-C form raises questions about the validity of the <em>debt</em> and <em>compliance</em> with federal regulations."],"product":["<em>Debt</em> <em>collection</em>"],"issue":["Written notification about <em>debt</em>"],"sub_product":["Credit card <em>debt</em>"]},"sort":[17.826578,"12308462"]},{"_index":"complaint-public-v1","_id":"12310132","_score":17.825104,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing regarding a collection account that is being reported in my credit report on potential violation of fair credit and debt collection laws. \nThe collection account in question is reported by XXXX XXXX XXXX has a balance of {$8900.00}. Despite the account remaining on my credit report, I have not received a Form XXXX ( Cancellation of Debt ) as required when a debt is canceled or discharged in accordance with IRS guidelines XXXX \nUnder the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), creditors and collection agencies must ensure accurate and fair reporting. Reporting a debt without issuing a required XXXX form raises questions about the validity of the debt and compliance with federal regulations.","date_sent_to_company":"2025-04-08T18:22:22.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"75034","tags":null,"has_narrative":true,"complaint_id":"12310132","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-04T22:50:09.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Despite the account remaining on my credit report, I have not received a Form XXXX ( Cancellation of <em>Debt</em> ) as required when a <em>debt</em> is canceled or discharged in accordance with IRS guidelines XXXX \nUnder the <em>Fair</em> Credit Reporting Act ( FCRA ) and the <em>Fair</em> <em>Debt</em> <em>Collection</em> Practices Act ( <em>FDCPA</em> ), creditors and <em>collection</em> agencies must ensure accurate and <em>fair</em> reporting."],"product":["<em>Debt</em> <em>collection</em>"],"issue":["Written notification about <em>debt</em>"],"sub_product":["Credit card <em>debt</em>"]},"sort":[17.825104,"12310132"]},{"_index":"complaint-public-v1","_id":"12309755","_score":17.825104,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing regarding a collection account that is being reported in my credit report on potential violation of fair credit and debt collection laws. \nThe collection account in question is reported by XXXX XXXX and has a balance of {$6200.00} Despite the account remaining on my credit report, I have not received a Form XXXX ( Cancellation of Debt ) as required when a debt is canceled or discharged in accordance with IRS guidelines . \nUnder the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), creditors and collection agencies must ensure accurate and fair reporting. Reporting a debt without issuing a required XXXX form raises questions about the validity of the debt and compliance with federal regulations.","date_sent_to_company":"2025-04-08T18:27:16.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"75034","tags":null,"has_narrative":true,"complaint_id":"12309755","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-04T22:39:52.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Under the <em>Fair</em> Credit Reporting Act ( FCRA ) and the <em>Fair</em> <em>Debt</em> <em>Collection</em> Practices Act ( <em>FDCPA</em> ), creditors and <em>collection</em> agencies must ensure accurate and <em>fair</em> reporting. Reporting a <em>debt</em> without issuing a required XXXX form raises questions about the validity of the <em>debt</em> and <em>compliance</em> with federal regulations."],"product":["<em>Debt</em> <em>collection</em>"],"issue":["Written notification about <em>debt</em>"],"sub_product":["Credit card <em>debt</em>"]},"sort":[17.825104,"12309755"]},{"_index":"complaint-public-v1","_id":"12309706","_score":17.825104,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing regarding a collection account that is being reported in my credit report on potential violation of fair credit and debt collection laws. \nThe collection account in question is reported by CAPITAL ONE and a balance of {$17000.00} Despite the account remaining on my credit report, I have not received a Form 1099-C ( Cancellation of Debt ) as required when a debt is canceled or discharged in accordance with IRS guidelines XXXX \nUnder the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), creditors and collection agencies must ensure accurate and fair reporting. Reporting a debt without issuing a required 1099-C form raises questions about the validity of the debt and compliance with federal regulations.","date_sent_to_company":"2025-03-04T22:26:25.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"75034","tags":null,"has_narrative":true,"complaint_id":"12309706","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-03-04T22:21:32.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["The <em>collection</em> account in question is reported by CAPITAL ONE and a balance of {$17000.00} Despite the account remaining on my credit report, I have not received a Form 1099-C ( Cancellation of <em>Debt</em> ) as required when a <em>debt</em> is canceled or discharged in accordance with IRS guidelines XXXX \nUnder the <em>Fair</em> Credit Reporting Act ( FCRA ) and the <em>Fair</em> <em>Debt</em> <em>Collection</em> Practices Act ( <em>FDCPA</em> ), creditors and <em>collection</em> agencies must ensure accurate and <em>fair</em> reporting."],"product":["<em>Debt</em> <em>collection</em>"],"issue":["Written notification about <em>debt</em>"],"sub_product":["Credit card <em>debt</em>"]},"sort":[17.825104,"12309706"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":17090,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":17090}]}},"product":{"doc_count":17090,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":9905,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":9865},{"key":"Other personal consumer report","doc_count":40}]}},{"key":"Debt collection","doc_count":4929,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":2207},{"key":"Credit card debt","doc_count":1109},{"key":"Other debt","doc_count":454},{"key":"Medical debt","doc_count":321},{"key":"Telecommunications debt","doc_count":238},{"key":"Rental debt","doc_count":236},{"key":"Auto debt","doc_count":169},{"key":"Payday loan debt","doc_count":62},{"key":"Mortgage debt","doc_count":40},{"key":"Federal student loan debt","doc_count":27},{"key":"Other (i.e. phone, health club, etc.)","doc_count":19},{"key":"Private student loan debt","doc_count":16},{"key":"Medical","doc_count":13},{"key":"Credit card","doc_count":9},{"key":"Mortgage","doc_count":6},{"key":"Auto","doc_count":2},{"key":"Non-federal student loan","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":1797,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":1789},{"key":"Other personal consumer report","doc_count":8}]}},{"key":"Credit card","doc_count":117,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":97},{"key":"Store credit card","doc_count":15}]}},{"key":"Vehicle loan or lease","doc_count":111,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":100},{"key":"Lease","doc_count":11}]}},{"key":"Mortgage","doc_count":76,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":49},{"key":"FHA mortgage","doc_count":13},{"key":"Home equity loan or line of credit (HELOC)","doc_count":5},{"key":"Other type of mortgage","doc_count":4},{"key":"VA mortgage","doc_count":3},{"key":"Other mortgage","doc_count":1},{"key":"USDA mortgage","doc_count":1}]}},{"key":"Student loan","doc_count":51,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":34},{"key":"Private student loan","doc_count":17}]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":38,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":18},{"key":"Payday loan","doc_count":10},{"key":"Personal line of credit","doc_count":8},{"key":"Title loan","doc_count":2}]}},{"key":"Checking or savings account","doc_count":24,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":22},{"key":"Other banking product or service","doc_count":1},{"key":"Savings account","doc_count":1}]}},{"key":"Credit reporting","doc_count":16,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Debt or credit management","doc_count":16,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt settlement","doc_count":8},{"key":"Credit repair services","doc_count":5},{"key":"Student loan debt relief","doc_count":2},{"key":"Mortgage modification or foreclosure avoidance","doc_count":1}]}},{"key":"Credit card or prepaid card","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":3},{"key":"Store credit card","doc_count":1}]}},{"key":"Payday loan, title loan, or personal loan","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Title loan","doc_count":2},{"key":"Installment loan","doc_count":1}]}},{"key":"Consumer Loan","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":1},{"key":"Vehicle loan","doc_count":1}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Domestic (US) money transfer","doc_count":1}]}}]}},"issue":{"doc_count":17090,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":4947,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":3329},{"key":"Account information incorrect","doc_count":843},{"key":"Account status incorrect","doc_count":520},{"key":"Public record information inaccurate","doc_count":74},{"key":"Old information reappears or never goes away","doc_count":64},{"key":"Information is missing that should be on the report","doc_count":52},{"key":"Personal information incorrect","doc_count":52},{"key":"Information is incorrect","doc_count":13}]}},{"key":"Improper use of your report","doc_count":3432,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":3319},{"key":"Credit inquiries on your report that you don't recognize","doc_count":108},{"key":"Report provided to employer without your written authorization","doc_count":5}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":3086,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":2446},{"key":"Investigation took more than 30 days","doc_count":455},{"key":"Was not notified of investigation status or results","doc_count":101},{"key":"Problem with personal statement of dispute","doc_count":57},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":27}]}},{"key":"Attempts to collect debt not owed","doc_count":1977,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":1494},{"key":"Debt was result of identity theft","doc_count":333},{"key":"Debt was paid","doc_count":116},{"key":"Debt was already discharged in bankruptcy and is no longer owed","doc_count":34}]}},{"key":"Written notification about debt","doc_count":1174,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive enough information to verify debt","doc_count":652},{"key":"Didn't receive notice of right to dispute","doc_count":493},{"key":"Notification didn't disclose it was an attempt to collect a debt","doc_count":29}]}},{"key":"False statements or representation","doc_count":1023,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":963},{"key":"Impersonated attorney, law enforcement, or government official","doc_count":28},{"key":"Indicated you were committing crime by not paying debt","doc_count":22},{"key":"Told you not to respond to a lawsuit they filed against you","doc_count":9},{"key":"Impersonated an attorney or official","doc_count":1}]}},{"key":"Took or threatened to take negative or legal action","doc_count":337,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Threatened or suggested your credit would be damaged","doc_count":191},{"key":"Sued you without properly notifying you of lawsuit","doc_count":64},{"key":"Threatened to sue you for very old debt","doc_count":31},{"key":"Seized or attempted to seize your property","doc_count":27},{"key":"Collected or attempted to collect exempt funds","doc_count":10},{"key":"Sued you in a state where you do not live or did not sign for the debt","doc_count":10},{"key":"Threatened to arrest you or take you to jail if you do not pay","doc_count":4}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":295,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":162},{"key":"Investigation took more than 30 days","doc_count":79},{"key":"Was not notified of investigation status or results","doc_count":44},{"key":"Problem with personal statement of dispute","doc_count":6},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":4}]}},{"key":"Communication tactics","doc_count":203,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"You told them to stop contacting you, but they keep trying","doc_count":81},{"key":"Frequent or repeated calls","doc_count":66},{"key":"Used obscene, profane, or other abusive language","doc_count":43},{"key":"Called before 8am or after 9pm","doc_count":11},{"key":"Called after sent written cease of comm","doc_count":2}]}},{"key":"Electronic communications","doc_count":93,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Frequent or repeated messages","doc_count":45},{"key":"You told them to stop contacting you, but they keep trying","doc_count":43},{"key":"Contacted before 8am or after 9pm","doc_count":3},{"key":"Used obscene, profane, or other abusive language","doc_count":2}]}},{"key":"Threatened to contact someone or share information improperly","doc_count":61,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Talked to a third-party about your debt","doc_count":32},{"key":"Contacted you after you asked them to stop","doc_count":25},{"key":"Contacted you instead of your attorney","doc_count":4}]}},{"key":"Repossession","doc_count":55,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan balance remaining after the vehicle is repossessed and sold","doc_count":17},{"key":"Damage caused or loss of personal items in vehicle during the actual repossession","doc_count":8},{"key":"Account reinstatement or redemption after repossession","doc_count":7},{"key":"Voluntary repossession","doc_count":6},{"key":"Deficiency balance after repossession","doc_count":5},{"key":"Notice to repossess","doc_count":5},{"key":"Company explaining amount owed","doc_count":3},{"key":"Lender trying to repossess or disable the vehicle","doc_count":3},{"key":"Company communicating payment assistance or payment extension options","doc_count":1}]}},{"key":"Disclosure verification of debt","doc_count":41,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Not given enough info to verify debt","doc_count":27},{"key":"Right to dispute notice not received","doc_count":14}]}},{"key":"Trouble during payment process","doc_count":34,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trying to communicate with the company to fix an issue while managing or servicing your loan","doc_count":8},{"key":"Loan sold or transferred to another company","doc_count":6},{"key":"Lien release","doc_count":4},{"key":"Payment process","doc_count":4},{"key":"Escrow, taxes, or insurance","doc_count":2},{"key":"Fees charged","doc_count":1},{"key":"Paying off the loan","doc_count":1}]}},{"key":"Dealing with your lender or servicer","doc_count":24,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Received bad information about your loan","doc_count":17},{"key":"Don't agree with the fees charged","doc_count":4},{"key":"Need information about your loan balance or loan terms","doc_count":2},{"key":"Keep getting calls about your loan","doc_count":1}]}},{"key":"Struggling to pay mortgage","doc_count":23,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"An existing modification, forbearance plan, short sale, or other loss mitigation relief","doc_count":9},{"key":"Foreclosure","doc_count":8}]}},{"key":"Managing the loan or lease","doc_count":22,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing problem","doc_count":10},{"key":"Problem with fees charged","doc_count":5},{"key":"Problem with additional products or services purchased with the loan","doc_count":3},{"key":"Loan sold or transferred to another company","doc_count":2},{"key":"Problem with the interest rate","doc_count":1}]}},{"key":"Other features, terms, or problems","doc_count":18,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem","doc_count":8},{"key":"Privacy issues","doc_count":8},{"key":"Credit card company forcing arbitration","doc_count":2}]}},{"key":"Cont'd attempts collect debt not owed","doc_count":17,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not mine","doc_count":14},{"key":"Debt was paid","doc_count":2},{"key":"Debt resulted from identity theft","doc_count":1}]}},{"key":"Getting a credit card","doc_count":17,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card opened without my consent or knowledge","doc_count":10},{"key":"Application denied","doc_count":6},{"key":"Card opened as result of identity theft or fraud","doc_count":1}]}},{"key":"Incorrect information on credit report","doc_count":12,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information is not mine","doc_count":4},{"key":"Public record","doc_count":3},{"key":"Account status","doc_count":2},{"key":"Account terms","doc_count":2},{"key":"Reinserted previously deleted info","doc_count":1}]}},{"key":"Getting a loan or lease","doc_count":11,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan opened without my consent or knowledge","doc_count":3},{"key":"Changes in terms mid-deal or after closing","doc_count":2},{"key":"Credit denial","doc_count":2},{"key":"Fraudulent loan","doc_count":2},{"key":"Confusing or misleading advertising or marketing","doc_count":1},{"key":"High-pressure sales tactics","doc_count":1}]}},{"key":"Unable to get your credit report or credit score","doc_count":11,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem getting your report or credit score","doc_count":6},{"key":"Problem getting your free annual credit report","doc_count":5}]}},{"key":"Problem when making payments","doc_count":10,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem during payment process","doc_count":4}]}},{"key":"Problem with fraud alerts or security freezes","doc_count":10,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Closing on a mortgage","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trying to communicate with the company to fix an issue with the loan closing","doc_count":4},{"key":"Changes in loan terms during or after closing","doc_count":2}]}},{"key":"Credit monitoring or identity theft protection services","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing dispute for services","doc_count":7},{"key":"Didn't receive services that were advertised","doc_count":2}]}},{"key":"Managing an account","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Banking errors","doc_count":4},{"key":"Deposits and withdrawals","doc_count":3},{"key":"Problem accessing account","doc_count":1},{"key":"Problem using a debit or ATM card","doc_count":1}]}},{"key":"Problem with a purchase shown on your statement","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company isn't resolving a dispute about a purchase on your statement","doc_count":8},{"key":"Card was charged for something you did not purchase with the card","doc_count":1}]}},{"key":"Fees or interest","doc_count":8,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Charged too much interest","doc_count":4},{"key":"Problem with fees","doc_count":3},{"key":"Unexpected increase in interest rate","doc_count":1}]}},{"key":"Struggling to pay your bill","doc_count":8,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company won't work with you while you're going through financial hardship","doc_count":8}]}},{"key":"Opening an account","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Unable to open an account","doc_count":5},{"key":"Account opened as a result of fraud","doc_count":1},{"key":"Account opened without my consent or knowledge","doc_count":1}]}},{"key":"Problems at the end of the loan or lease","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Unable to receive car title or other problem after the loan is paid off","doc_count":5},{"key":"Problem while selling or giving up the vehicle","doc_count":1},{"key":"Problem with paying off the loan","doc_count":1}]}},{"key":"Struggling to pay your loan","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Denied request to lower payments","doc_count":3},{"key":"Lender trying to repossess or disable the vehicle","doc_count":1}]}},{"key":"Closing your account","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":6}]}},{"key":"Problem with the payoff process at the end of the loan","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Unauthorized withdrawals or charges","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Confusing or missing disclosures","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with a company's investigation into an existing issue","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Investigation took more than 30 days","doc_count":3},{"key":"Their investigation did not fix an error on your report","doc_count":2}]}},{"key":"Charged fees or interest you didn't expect","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Closing an account","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":4}]}},{"key":"Credit reporting company's investigation","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"No notice of investigation status/result","doc_count":2},{"key":"Investigation took too long","doc_count":1},{"key":"Problem with statement of dispute","doc_count":1}]}},{"key":"Getting the loan","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with additional add-on products or services","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Struggling to repay your loan","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Can't get other flexible options for repaying your loan","doc_count":2},{"key":"Bankruptcy","doc_count":1}]}},{"key":"Taking/threatening an illegal action","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Seized/Attempted to seize property","doc_count":3}]}},{"key":"Advertising and marketing, including promotional offers","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Confusing or misleading advertising about the credit card","doc_count":2}]}},{"key":"Applying for a mortgage or refinancing an existing mortgage","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Confusing or misleading advertising or marketing","doc_count":1},{"key":"Delays in the application process","doc_count":1}]}},{"key":"Billing disputes","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Charged upfront or unexpected fees","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Getting a line of credit","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Identity theft protection or other monitoring services","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem canceling credit monitoring or identify theft protection service","doc_count":1},{"key":"Problem with product or service terms changing","doc_count":1}]}},{"key":"Other","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with a lender or other company charging your account","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Transaction was not authorized","doc_count":2}]}},{"key":"Received a loan you didn't apply for","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Trouble using your card","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account sold or transferred to another company","doc_count":1},{"key":"Can't use card to make purchases","doc_count":1}]}},{"key":"Can't contact lender or servicer","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Closing/Cancelling account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Confusing or misleading advertising or marketing","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Dealing with my lender or servicer","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Don't agree with fees charged","doc_count":1}]}},{"key":"Didn't provide services promised","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Loan modification,collection,foreclosure","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Loan servicing, payments, escrow account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Other service problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem caused by your funds being low","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Overdrafts and overdraft fees","doc_count":1}]}},{"key":"Problem with customer service","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Taking out the loan or lease","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Vehicle was repossessed or sold the vehicle","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":17090,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":16900},{"key":"No","doc_count":190}]}},"company_response":{"doc_count":17090,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":10756},{"key":"Closed with non-monetary relief","doc_count":6270},{"key":"Untimely response","doc_count":44},{"key":"Closed with monetary relief","doc_count":15},{"key":"Closed","doc_count":4},{"key":"In progress","doc_count":1}]}},"submitted_via":{"doc_count":17090,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":17090}]}},"company":{"doc_count":17090,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"EQUIFAX, INC.","doc_count":3641},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":3517},{"key":"Experian Information Solutions Inc.","doc_count":3266},{"key":"Resurgent Capital Services L.P.","doc_count":614},{"key":"Portfolio Recovery Associates, LLC","doc_count":364},{"key":"ENCORE CAPITAL GROUP INC.","doc_count":342},{"key":"CL Holdings LLC","doc_count":268},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":156},{"key":"CCS Financial Services, Inc.","doc_count":144},{"key":"LEXISNEXIS","doc_count":137},{"key":"National Credit Systems,Inc.","doc_count":115},{"key":"CBC Companies, Inc.","doc_count":102},{"key":"TRANSWORLD SYSTEMS INC","doc_count":92},{"key":"I.C. System, Inc.","doc_count":90},{"key":"Kriya Capital, LLC","doc_count":81},{"key":"Spring Oaks Capital, LLC","doc_count":76},{"key":"DISCOVER BANK","doc_count":70},{"key":"CAINE & WEINER COMPANY, INC.","doc_count":66},{"key":"Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis","doc_count":65},{"key":"JPMORGAN CHASE & CO.","doc_count":64},{"key":"CITIBANK, N.A.","doc_count":59},{"key":"FAIR COLLECTIONS & OUTSOURCING, INC.","doc_count":54},{"key":"SYNCHRONY FINANCIAL","doc_count":53},{"key":"HW Holding, Inc","doc_count":52},{"key":"NAVY FEDERAL CREDIT UNION","doc_count":51},{"key":"T.S. Holdings","doc_count":51},{"key":"Bread Financial Holdings, Inc.","doc_count":50},{"key":"National Credit Adjusters, LLC","doc_count":49},{"key":"AMERICAN EXPRESS COMPANY","doc_count":45},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":43},{"key":"NCB Management Services Inc.","doc_count":39},{"key":"Radius Global Solutions LLC","doc_count":39},{"key":"SANTANDER HOLDINGS USA, INC.","doc_count":39},{"key":"Nelnet, Inc.","doc_count":38},{"key":"Southwest Credit Systems, L.P.","doc_count":38},{"key":"WELLS FARGO & COMPANY","doc_count":38},{"key":"SUNRISE CREDIT SERVICES, INC","doc_count":37},{"key":"CAVALRY INVESTMENTS, LLC","doc_count":36},{"key":"TrueAccord Corp.","doc_count":36},{"key":"Credit Control, LLC","doc_count":35},{"key":"W&A Intermediate Co., LLC","doc_count":35},{"key":"Aldous & Associates, PLLC","doc_count":33},{"key":"Bridgecrest Acceptance Corporation","doc_count":33},{"key":"CREDIT ACCEPTANCE CORPORATION","doc_count":33},{"key":"Source Receivables Management LLC","doc_count":32},{"key":"Affirm Holdings, Inc","doc_count":31},{"key":"Velocity Portfolio Group","doc_count":30},{"key":"NRA Group, LLC","doc_count":29},{"key":"HCFS Healthcare Financial Services of TeamHealth","doc_count":28},{"key":"Westlake Services, LLC","doc_count":28},{"key":"ALLY FINANCIAL INC.","doc_count":27},{"key":"Amsher Collection Services, Inc.","doc_count":26},{"key":"Maximus Federal Services, Inc.","doc_count":26},{"key":"Zions Debt Holdings","doc_count":26},{"key":"Sequium Asset Solutions, LLC","doc_count":25},{"key":"V and H Portfolio","doc_count":25},{"key":"Absolute Resolutions Corp.","doc_count":24},{"key":"Harris & Harris, Ltd.","doc_count":24},{"key":"Self Financial Inc.","doc_count":24},{"key":"Credit Corp Solutions Inc.","doc_count":22},{"key":"ProCollect, Inc.","doc_count":22},{"key":"Ability Recovery Services, LLC","doc_count":21},{"key":"Exeter Finance, LLC.","doc_count":21},{"key":"TD BANK US HOLDING COMPANY","doc_count":21},{"key":"Collection Management Holdings, LLC","doc_count":20},{"key":"Halsted Financial Services, LLC.","doc_count":20},{"key":"Early Warning Services, LLC","doc_count":19},{"key":"OneMain Finance Corporation","doc_count":19},{"key":"SELECT PORTFOLIO SERVICING, INC.","doc_count":19},{"key":"Capio Partners, LLC","doc_count":18},{"key":"Central Portfolio Control Inc.","doc_count":18},{"key":"Rent Recovery Solutions","doc_count":18},{"key":"Bounce AI, Inc.","doc_count":17},{"key":"RentDebt Automated Collections, LLC","doc_count":17},{"key":"Lockhart, Morris & Montgomery Inc.","doc_count":16},{"key":"Medical Data Systems, Inc.","doc_count":16},{"key":"Shellpoint Partners, LLC","doc_count":16},{"key":"GOLDMAN SACHS BANK USA","doc_count":15},{"key":"Kikoff Inc.","doc_count":15},{"key":"Monterey Financial Services LLC","doc_count":15},{"key":"Navient Solutions, LLC.","doc_count":15},{"key":"TRUIST FINANCIAL CORPORATION","doc_count":15},{"key":"TekCollect Inc.","doc_count":15},{"key":"Aargon Agency, Inc.","doc_count":14},{"key":"BTH Management","doc_count":14},{"key":"Consumer Adjustment Company Incorporated","doc_count":14},{"key":"EdFinancial Services","doc_count":14},{"key":"Fidelity National Information Services, Inc. (FNIS)","doc_count":14},{"key":"Kimball, Tirey & St. John LLP","doc_count":14},{"key":"ONLINE Information Services, Inc.","doc_count":14},{"key":"The CBE Group, Inc.","doc_count":14},{"key":"Diversified Adjustment Service, Inc.","doc_count":13},{"key":"ERC","doc_count":13},{"key":"LJ Ross Associates","doc_count":13},{"key":"MOHELA","doc_count":13},{"key":"MRS BPO, LLC","doc_count":13},{"key":"The Receivable Management Services LLC","doc_count":13},{"key":"AmeriCollect","doc_count":12},{"key":"BARCLAYS BANK DELAWARE","doc_count":12},{"key":"Bull City Financial Solutions, Inc","doc_count":12},{"key":"CLGF Holdco 1, LLC","doc_count":12},{"key":"Firstsource Business Process Services, LLC","doc_count":12},{"key":"January Technologies, Inc","doc_count":12},{"key":"U.S. BANCORP","doc_count":12},{"key":"World Acceptance Corporation","doc_count":12},{"key":"ZWICKER & ASSOCIATES","doc_count":12},{"key":"ACIMA CREDIT, LLC","doc_count":11},{"key":"CONTRACT CALLERS INC","doc_count":11},{"key":"Continental Services Group, Inc. d/b/a ConServe","doc_count":11},{"key":"Diversified Consultants, Inc.","doc_count":11},{"key":"ENOVA INTERNATIONAL, INC.","doc_count":11},{"key":"General Motors Financial Company, Inc.","doc_count":11},{"key":"Opportunity Financial, LLC","doc_count":11},{"key":"Phoenix Financial Services LLC","doc_count":11},{"key":"Security Credit Services, LLC","doc_count":11},{"key":"The CMI Group, Inc.","doc_count":11},{"key":"Army and Air Force Exchange Service","doc_count":10},{"key":"Choice Recovery, Inc.","doc_count":10},{"key":"First Federal Credit Control, Inc.","doc_count":10},{"key":"PNC Bank N.A.","doc_count":10},{"key":"Rausch Sturm LLP","doc_count":10},{"key":"UNITED SERVICES AUTOMOBILE ASSOCIATION","doc_count":10},{"key":"UPGRADE, INC.","doc_count":10},{"key":"Alorica Inc.","doc_count":9},{"key":"CarMax, Inc.","doc_count":9},{"key":"Consumer Portfolio Services, Inc.","doc_count":9},{"key":"Eastern Account Systems of Connecticut, Inc.","doc_count":9},{"key":"FC HoldCo LLC","doc_count":9},{"key":"United Collection Bureau, Inc.","doc_count":9},{"key":"AES/PHEAA","doc_count":8},{"key":"Atlanticus Services Corporation","doc_count":8},{"key":"Commonwealth Financial Systems, Inc.","doc_count":8},{"key":"Convergent Resources, Inc.","doc_count":8},{"key":"Credit Systems International, Inc.","doc_count":8},{"key":"First Credit Services Inc.","doc_count":8},{"key":"HYUNDAI CAPITAL AMERICA","doc_count":8},{"key":"Mercedes Benz Financial Services","doc_count":8},{"key":"NISSAN MOTOR ACCEPTANCE COMPANY LLC","doc_count":8},{"key":"Professional Debt Mediation, Inc.","doc_count":8},{"key":"The Bureaus, Inc.","doc_count":8},{"key":"CORELOGIC INC","doc_count":7},{"key":"Cedars Business Services, LLC","doc_count":7},{"key":"Client Services, Inc.","doc_count":7},{"key":"EOS Holdings, Inc.","doc_count":7},{"key":"Franklin Collection Service, Inc.","doc_count":7},{"key":"Io, Inc.","doc_count":7},{"key":"MoneyLion Inc.","doc_count":7},{"key":"Oliphant United, Inc.","doc_count":7},{"key":"PENTAGON FEDERAL CREDIT UNION","doc_count":7},{"key":"Servicer under contract with Federal Student Aid","doc_count":7},{"key":"Transfinancial Companies, Inc","doc_count":7},{"key":"United Revenue Corporation","doc_count":7},{"key":"Ad Astra Recovery Services Inc","doc_count":6},{"key":"BMW Financial Services NA, LLC","doc_count":6},{"key":"Debt Recovery Solutions, LLC","doc_count":6},{"key":"Diverse Funding Associates LLC","doc_count":6},{"key":"Helvey & Associates, Inc., Warsaw, IN Branch","doc_count":6},{"key":"Johnson Mark LLC","doc_count":6},{"key":"Ocwen Financial Corporation","doc_count":6},{"key":"Penn Credit Corporation","doc_count":6},{"key":"Prince Parker & Associates","doc_count":6},{"key":"RAS LaVrar, LLC","doc_count":6},{"key":"Regional Management Corporation","doc_count":6},{"key":"Sentry Credit, Inc.","doc_count":6},{"key":"Synerprise Consulting Services, Inc.","doc_count":6},{"key":"Synovus Bank","doc_count":6},{"key":"The Outsource Group, Inc","doc_count":6},{"key":"WAKEFIELD & ASSOCIATES, INC.","doc_count":6},{"key":"Waypoint Resource Group, LLC","doc_count":6},{"key":"American Coradius International LLC","doc_count":5},{"key":"CARRINGTON MORTGAGE SERVICES, LLC","doc_count":5},{"key":"CMRE Financial Services, Inc.","doc_count":5},{"key":"CURO Intermediate Holdings","doc_count":5},{"key":"Capital Management Services, LP","doc_count":5},{"key":"Colony Brands, Inc.","doc_count":5},{"key":"Continental Finance Company, LLC","doc_count":5},{"key":"FIFTH THIRD FINANCIAL CORPORATION","doc_count":5},{"key":"FORD MOTOR CREDIT CO.","doc_count":5},{"key":"Federal Adjustment Bureau, Inc.","doc_count":5},{"key":"ID Analytics, Inc.","doc_count":5},{"key":"Lendmark Financial Services","doc_count":5},{"key":"Linebarger Goggan Blair & Sampson LLP","doc_count":5},{"key":"McCarthy, Burgess & Wolff, Inc.","doc_count":5},{"key":"Meridian Financial Services, Inc.","doc_count":5},{"key":"Monarch Recovery Holdings, Inc.","doc_count":5},{"key":"OUT TECH, INC.","doc_count":5},{"key":"P&B Capital Group, LLC","doc_count":5},{"key":"Possible Financial Inc","doc_count":5},{"key":"Receivables Management Partners, LLC","doc_count":5},{"key":"Receivables Performance Management, LLC","doc_count":5},{"key":"SECURITY FINANCE CORP","doc_count":5},{"key":"Sentry Recovery and Collections, Inc.","doc_count":5},{"key":"Sunbit, Inc.","doc_count":5},{"key":"TOYOTA MOTOR CREDIT CORPORATION","doc_count":5},{"key":"The Best Service Co.,Inc","doc_count":5},{"key":"Weltman, Weinberg & Reis Co., L.P.A.","doc_count":5},{"key":"AFNI INC.","doc_count":4},{"key":"AMERICAN HONDA FINANCE CORP","doc_count":4},{"key":"AR Resources, Inc.","doc_count":4},{"key":"ARS National Services, Inc.","doc_count":4},{"key":"Adler Wallach & Associates, Inc.","doc_count":4},{"key":"Allied Collection Services, Inc. (Nevada)","doc_count":4},{"key":"American Accounts & Advisers, Inc.","doc_count":4},{"key":"American Credit Acceptance, LLC","doc_count":4},{"key":"Apelles, LLC","doc_count":4},{"key":"Associated Credit Services, Inc.","doc_count":4},{"key":"Blitt and Gaines, P.C.","doc_count":4},{"key":"Byrider Franchising, LLC","doc_count":4},{"key":"CNG FINANCIAL CORPORATION","doc_count":4},{"key":"Clark County Collection Service","doc_count":4},{"key":"Credit Fresh Holdings Inc","doc_count":4},{"key":"Creditors Bureau Associates","doc_count":4},{"key":"FIRST PORTFOLIO SERVICING INC","doc_count":4},{"key":"Fay Servicing, LLC","doc_count":4},{"key":"Finance System of Richmond, Inc.","doc_count":4},{"key":"Financial Assistance Inc","doc_count":4},{"key":"First Financial Resources, Inc.","doc_count":4},{"key":"FirstPoint Collection Resources","doc_count":4},{"key":"Global Lending Services LLC","doc_count":4},{"key":"Gurstel Law Firm, P.C.","doc_count":4},{"key":"Hayt Hayt & Landau, P.L. (FL)","doc_count":4},{"key":"IQOR US INC","doc_count":4},{"key":"InDebted Corporation","doc_count":4},{"key":"Jon Barry and Associates, Inc.","doc_count":4},{"key":"Law Office of Michael J. Scott, PC","doc_count":4},{"key":"Medical-Commercial Audit Inc","doc_count":4},{"key":"Merchants Adjustment Service, Inc.","doc_count":4},{"key":"Merchants and Medical Credit Corporation, Inc.","doc_count":4},{"key":"Merchants and Professional Bureau, Inc.","doc_count":4},{"key":"Millco Management","doc_count":4},{"key":"Mountain Run Solutions, LLC","doc_count":4},{"key":"Mutual Management Services LLC","doc_count":4},{"key":"Nationwide Capital Services, LLC","doc_count":4},{"key":"PLANET HOME LENDING, LLC","doc_count":4},{"key":"Pressler & Pressler, LLP","doc_count":4},{"key":"Professional Recovery Management","doc_count":4},{"key":"R.A.Rogers, Inc.","doc_count":4},{"key":"Reliant Capital Solutions, LLC","doc_count":4},{"key":"ResidentCollect, Inc.","doc_count":4},{"key":"Rubin & Rothman, LLC","doc_count":4},{"key":"SUNCOAST CREDIT UNION","doc_count":4},{"key":"Santander Consumer USA Holdings Inc.","doc_count":4},{"key":"Sequoia Financial Services","doc_count":4},{"key":"Specialized Loan Servicing Holdings LLC","doc_count":4},{"key":"Stillman, P.C. d.b.a. Stillman Law Office","doc_count":4},{"key":"Summit A*R, Inc.","doc_count":4},{"key":"United PanAm Financial Corp.","doc_count":4},{"key":"Williams & Fudge, Inc","doc_count":4},{"key":"Williams, Rush & Associates, LLC","doc_count":4},{"key":"2288984 Ontario Inc.","doc_count":3},{"key":"Action Revenue Recovery, LLC","doc_count":3},{"key":"Advanced Resolution Services Inc.","doc_count":3},{"key":"Americas Car-Mart, Inc.","doc_count":3},{"key":"Bay Area Receivables, Inc","doc_count":3},{"key":"Block, Inc.","doc_count":3},{"key":"Brock & Scott, PLLC","doc_count":3},{"key":"CARS Acquisition, LLC","doc_count":3},{"key":"Collection Bureau of America Ltd.","doc_count":3},{"key":"Conn's, Inc.","doc_count":3},{"key":"Credit Service International Corp","doc_count":3},{"key":"Crown Asset Management, LLC, Duluth, GA Branch","doc_count":3},{"key":"Eastern Revenue, Inc.","doc_count":3},{"key":"Express Recovery Services, Inc.","doc_count":3},{"key":"FREEDOM FINANCIAL NETWORK","doc_count":3},{"key":"FactorTrust, Inc.","doc_count":3},{"key":"Fig Tech Inc.","doc_count":3},{"key":"First National Collection Bureau, Inc.","doc_count":3},{"key":"Freedom Mortgage Company","doc_count":3},{"key":"GFS II, LLC","doc_count":3},{"key":"GLA Collection Company, Inc.","doc_count":3},{"key":"GULF COAST COLLECTION BUREAU, INC.","doc_count":3},{"key":"Grain Technology, Inc.","doc_count":3},{"key":"Granite Edvance Corporation","doc_count":3},{"key":"Grant & Weber","doc_count":3},{"key":"Harvard Collections, LLC","doc_count":3},{"key":"KeyBridge Medical Revenue Management","doc_count":3},{"key":"Kingston Data & Credit International Inc.","doc_count":3},{"key":"Kohn Law Firm S.C.","doc_count":3},{"key":"Law Office of Brett M. Borland, P.C.","doc_count":3},{"key":"LendingPoint Holdings LLC","doc_count":3},{"key":"Louisiana Recovery Services Inc.","doc_count":3},{"key":"Lyons, Doughty & Veldhuis, PC","doc_count":3},{"key":"Mandarich Law Group, LLP","doc_count":3},{"key":"McCalla Raymer Leibert Pierce, LLC","doc_count":3},{"key":"Meade & Associates, Inc.","doc_count":3},{"key":"Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates","doc_count":3},{"key":"Midwest Recovery Systems","doc_count":3},{"key":"Mr. Cooper Group Inc.","doc_count":3},{"key":"National Collection Systems, Inc.","doc_count":3},{"key":"National Enterprise Systems, Inc.","doc_count":3},{"key":"National Recovery Solutions, LLC","doc_count":3},{"key":"Nelson Cruz & Associates LLC","doc_count":3},{"key":"OLIPHANT FINANCIAL, LLC","doc_count":3},{"key":"Pollack & Rosen, P.A.","doc_count":3},{"key":"Receivable Management Group, Inc. (GA)","doc_count":3},{"key":"STATE EMPLOYEES CREDIT UNION","doc_count":3},{"key":"Second Alliance, Inc.","doc_count":3},{"key":"Selip & Stylianou, LLP","doc_count":3},{"key":"Shepherd Outsourcing, LLC","doc_count":3},{"key":"Silverman Theologou, LLP","doc_count":3},{"key":"Simon's Agency, Inc.","doc_count":3},{"key":"Southwest Recovery Services, Inc.","doc_count":3},{"key":"Specialized Collection Systems, Inc.","doc_count":3},{"key":"Starmark Financial LLC","doc_count":3},{"key":"Strategic Alliances, Inc.","doc_count":3},{"key":"Telerecovery Corporation","doc_count":3},{"key":"The Law Offices of Kenosian & Miele, LLP","doc_count":3},{"key":"TriVerity, Inc.","doc_count":3},{"key":"Trident Asset Management, L.L.C.","doc_count":3},{"key":"USCB, Inc.","doc_count":3},{"key":"Upstart Holdings, Inc.","doc_count":3},{"key":"VW Credit","doc_count":3},{"key":"Veros Credit, LLC","doc_count":3},{"key":"Volvo Car Financial Services U.S., LLC","doc_count":3},{"key":"Westcreek Financial","doc_count":3},{"key":"Western-Shamrock Corporation","doc_count":3},{"key":"ALCHRO INC.","doc_count":2},{"key":"AMERICA FIRST FEDERAL CREDIT UNION","doc_count":2},{"key":"ARVEST BANK GROUP, INC.","doc_count":2},{"key":"AVANTE","doc_count":2},{"key":"Access Credit Management, Inc.","doc_count":2},{"key":"Adelante, Inc","doc_count":2},{"key":"Admin Recovery, LLC","doc_count":2},{"key":"Advanced Collection Bureau, Inc.","doc_count":2},{"key":"Aldridge PIte Haan, LLP","doc_count":2},{"key":"Alliance One, Inc.","doc_count":2},{"key":"AmerAssist A/R Solutions, Inc.","doc_count":2},{"key":"Aqua Finance, Inc.","doc_count":2},{"key":"Arbor Professional Solutions, Inc.","doc_count":2},{"key":"Aspen National Financial, Inc.","doc_count":2},{"key":"Asset Management Outsourcing, Inc.","doc_count":2},{"key":"Audit & Adjustment Co. Inc.","doc_count":2},{"key":"Ava Finance, Inc","doc_count":2},{"key":"CHACON AUTOS, LTD.","doc_count":2},{"key":"CHERRY TECHNOLOGIES INC.","doc_count":2},{"key":"CITIZENS FINANCIAL GROUP, INC.","doc_count":2},{"key":"Capital Mitigation Services, LLC","doc_count":2},{"key":"Carter-Young, Inc.","doc_count":2},{"key":"CashRepublic Holdings, Inc.","doc_count":2},{"key":"Collection Bureau of the Hudson Valley, Inc.","doc_count":2},{"key":"Collection Consultants of California","doc_count":2},{"key":"Concord Servicing Corporation","doc_count":2},{"key":"DRB-40, LLC","doc_count":2},{"key":"DigniFi","doc_count":2},{"key":"ECMC GROUP, INC.","doc_count":2},{"key":"EGL US, LLC","doc_count":2},{"key":"F.H. Cann & Associates, Inc.","doc_count":2},{"key":"FDR Asset USA LTD","doc_count":2},{"key":"FIDELITY CAPITAL HOLDINGS, INC","doc_count":2},{"key":"FISERV FINXACT CORE","doc_count":2},{"key":"Financial Credit Network Inc","doc_count":2},{"key":"Financial Recovery Services, Inc.","doc_count":2},{"key":"Forster & Garbus LLP","doc_count":2},{"key":"Frost-Arnett Company","doc_count":2},{"key":"GREENSKY OPERATIONS, LLC","doc_count":2},{"key":"Glasser and Glasser, PLC","doc_count":2},{"key":"Greenberg, Grant & Richards Inc.","doc_count":2},{"key":"Grow Credit Inc","doc_count":2},{"key":"Harley Davidson Financial Services Inc","doc_count":2},{"key":"Hunt & Henriques","doc_count":2},{"key":"I.Q. DATA INTERNATIONAL, INC.","doc_count":2},{"key":"International Computer Systems, Inc.","doc_count":2},{"key":"Investment Retrievers, Inc.","doc_count":2},{"key":"James E. Albertelli, P.A., a Florida professional association","doc_count":2},{"key":"KEYCORP","doc_count":2},{"key":"Kansas Counselors, Inc.","doc_count":2},{"key":"Kinum, Inc., Indianapolis, IN Branch","doc_count":2},{"key":"Knight Adjustment Bureau","doc_count":2},{"key":"Kovo","doc_count":2},{"key":"LANIER COLLECTIONS AGENCY AND SERVICES INC","doc_count":2},{"key":"LD Holdings Group, LLC","doc_count":2},{"key":"LTD Financial Services, L.P.","doc_count":2},{"key":"Larry H. Miller Group of Companies","doc_count":2},{"key":"Law Offices of Hayt, Hayt & Landau, LLC","doc_count":2},{"key":"LendKey Technologies, Inc.","doc_count":2},{"key":"Levy & Associates, LLC","doc_count":2},{"key":"Lien Enforcement Inc","doc_count":2},{"key":"Lloyd & McDaniel, PLC","doc_count":2},{"key":"MARINER FINANCE, LLC","doc_count":2},{"key":"MCMC Auto LTD","doc_count":2},{"key":"MCT GROUP INC.","doc_count":2},{"key":"MIDFIRST BANK","doc_count":2},{"key":"MOUNTAIN AMERICA FEDERAL CREDIT UNION","doc_count":2},{"key":"Marlette Funding, LLC","doc_count":2},{"key":"Mercury Financial Intermediate LLC","doc_count":2},{"key":"Messerli & Kramer P.A.","doc_count":2},{"key":"Mid-Atlantic Finance Co., Inc.","doc_count":2},{"key":"Midwest Fidelity Services, LLC","doc_count":2},{"key":"N.A.R., Inc.","doc_count":2},{"key":"NATIONSTAR MORTGAGE LLC","doc_count":2},{"key":"NPAS, Inc.","doc_count":2},{"key":"National Consumer Telecom & Utilities Exchange, Inc.","doc_count":2},{"key":"National Debt Holdings, LLC","doc_count":2},{"key":"National Healthcare Collections, LLC","doc_count":2},{"key":"North American Credit Services","doc_count":2},{"key":"Northstar Location Services, LLC","doc_count":2},{"key":"OPORTUN FINANCIAL CORPORATION","doc_count":2},{"key":"Optio Solutions, LLC","doc_count":2},{"key":"P.S.C., Inc","doc_count":2},{"key":"PDQ Services, Inc.","doc_count":2},{"key":"PENNYMAC LOAN SERVICES, LLC.","doc_count":2},{"key":"PROFESSIONAL BUSINESS BUREAU INC","doc_count":2},{"key":"Pacific Credit Exchange Corporation","doc_count":2},{"key":"Patient Accounting Service Center","doc_count":2},{"key":"Professional Collection Service Inc (GA)","doc_count":2},{"key":"Prosper Marketplace, Inc.","doc_count":2},{"key":"R & B Corporation of Virginia","doc_count":2},{"key":"R.M. Galicia, Inc.","doc_count":2},{"key":"RFNA, LP","doc_count":2},{"key":"RS Clark and Associates, Inc.","doc_count":2},{"key":"Ratchford Law Group, P.C.","doc_count":2},{"key":"Receivable Recovery Services, LLC","doc_count":2},{"key":"Reel Time Capital LLC","doc_count":2},{"key":"Remex, Inc.","doc_count":2},{"key":"Revco Management, LLC","doc_count":2},{"key":"Rocket Mortgage, LLC","doc_count":2},{"key":"Rossman & Co & PCB","doc_count":2},{"key":"S & S Recovery, Inc.","doc_count":2},{"key":"SCA Collections, Inc.","doc_count":2},{"key":"SLM CORPORATION","doc_count":2},{"key":"SOFI TECHNOLOGIES, INC.","doc_count":2},{"key":"STERLING JEWELERS, INC.","doc_count":2},{"key":"Sarma","doc_count":2},{"key":"Saturn Systems, Inc","doc_count":2},{"key":"Selene Holdings LLC","doc_count":2},{"key":"Senex Services Corp.","doc_count":2},{"key":"SinglePoint GI","doc_count":2},{"key":"Skopos Financial, LLC","doc_count":2},{"key":"Southern Management Systems Inc.","doc_count":2},{"key":"Stellantis Financial Services US Corp.","doc_count":2},{"key":"Stenger & Stenger, P.C","doc_count":2},{"key":"Synergetic Communication Inc","doc_count":2},{"key":"Tennessee Credit Management, Inc","doc_count":2},{"key":"Thaxton Investment Corporation","doc_count":2},{"key":"Tromberg, Miller, Morris & Partners, PLLC","doc_count":2},{"key":"Turning Point Solutions LLC","doc_count":2},{"key":"U.S. Collections West, Inc.","doc_count":2},{"key":"URS Holding, LLC","doc_count":2},{"key":"Unifin Inc.","doc_count":2},{"key":"VYSTAR CREDIT UNION","doc_count":2},{"key":"Valon Technologies, Inc.","doc_count":2},{"key":"Valor Intelligent Processing, LLC","doc_count":2},{"key":"Viking Client Services","doc_count":2},{"key":"YSA ARM LLC DBA Oxygen XL","doc_count":2},{"key":"Yamaha Motor Finance Corporation USA","doc_count":2},{"key":"Zarzaur and Schwartz, PC","doc_count":2},{"key":"1st Franklin Financial Corporation","doc_count":1},{"key":"21ST MORTGAGE CORP.","doc_count":1},{"key":"A-L FINANCIAL CORP","doc_count":1},{"key":"ACXIOM CORP.","doc_count":1},{"key":"ALLIANT CREDIT UNION","doc_count":1},{"key":"AMCOL Systems, Inc.","doc_count":1},{"key":"APEX Asset Management, LLC","doc_count":1},{"key":"AXOS FINANCIAL, INC.","doc_count":1},{"key":"Account Recovery Specialists, Inc.","doc_count":1},{"key":"Accscient, LLC","doc_count":1},{"key":"Advance America, Cash Advance Centers, Inc.","doc_count":1},{"key":"Aldridge Pite, LLP","doc_count":1},{"key":"American Collections Enterprise, Inc.","doc_count":1},{"key":"American Credit Bureau, Inc.","doc_count":1},{"key":"American Finance LLC","doc_count":1},{"key":"American First Finance, Inc.","doc_count":1},{"key":"American Profit Recovery, Inc., Marlborough, MA Branch","doc_count":1},{"key":"American Recovery Service Incorporated","doc_count":1},{"key":"Amscot Corporation","doc_count":1},{"key":"Apothaker & Associates, PC","doc_count":1},{"key":"Applied Data Finance, LLC","doc_count":1},{"key":"Arcadia Holdings, LLC","doc_count":1},{"key":"Arcon Credit Solutions LLC","doc_count":1},{"key":"Ardmore Finance Corporation","doc_count":1},{"key":"Armcon Corp","doc_count":1},{"key":"Ascent Holding Co","doc_count":1},{"key":"Asset Recovery Bureau LLC","doc_count":1},{"key":"Asset Recovery Solutions, LLC","doc_count":1},{"key":"Atlantic Recovery Solutions LLC","doc_count":1},{"key":"Atlas Credit Company, Inc.","doc_count":1},{"key":"Auto Advantage Finance, LLC","doc_count":1},{"key":"AutoMoney, Inc.","doc_count":1},{"key":"Automated Collection Services, Inc.","doc_count":1},{"key":"Autovest, L.L.C.","doc_count":1},{"key":"Avant Credit Corporation","doc_count":1},{"key":"Avant Holding Company, Inc.","doc_count":1},{"key":"BANCO POPULAR DE PUERTO RICO","doc_count":1},{"key":"BANK OF NEW YORK MELLON CORPORATION, THE","doc_count":1},{"key":"BBVA FINANCIAL CORPORATION","doc_count":1},{"key":"BC SERVICES, INC.","doc_count":1},{"key":"BCA Financial Services, Inc.","doc_count":1},{"key":"BCG Equities, LLC","doc_count":1},{"key":"BLINCLOANS, INC.","doc_count":1},{"key":"BMO BANK NATIONAL ASSOCIATION","doc_count":1},{"key":"BOK FINANCIAL CORP","doc_count":1},{"key":"Bepensa Capital, Inc.","doc_count":1},{"key":"Berlin-Wheeler, Inc. (Kansas)","doc_count":1},{"key":"Bernhardt and Strawser, P.A.","doc_count":1},{"key":"Bizcorp, LLC","doc_count":1},{"key":"BlueChip Financial","doc_count":1},{"key":"Bonneville Billing and Collections","doc_count":1},{"key":"Braviant Holdings, LLC","doc_count":1},{"key":"Bright Side Loans, LLC","doc_count":1},{"key":"Brown and Joseph, Ltd","doc_count":1},{"key":"Brown’s New Credit Bureau Inc.","doc_count":1},{"key":"Burke Moore Law Group, LLP","doc_count":1},{"key":"Business & Professional Collection Service Inc","doc_count":1},{"key":"Business Revenue Systems, Inc.","doc_count":1},{"key":"CAC Financial Corp","doc_count":1},{"key":"CCF Intermediate Holdings LLC","doc_count":1},{"key":"CCM Finance LLC","doc_count":1},{"key":"CDI Affiliated Services, Inc.","doc_count":1},{"key":"CMCS, Inc. DBA Central Mercantile Collection Services","doc_count":1},{"key":"COLLECTECH DIVERSIFIED, INC.","doc_count":1},{"key":"COLLECTION ASSOCIATES, LTD.","doc_count":1},{"key":"COMMERCIAL SERVICES GROUP, INC.","doc_count":1},{"key":"COMMUNITY CHOICE FINANCIAL, INC.","doc_count":1},{"key":"CORNERSTONE RESOLUTION GROUP, INC.","doc_count":1},{"key":"CRE Credit Services","doc_count":1},{"key":"CREDIT ASSOCIATES, INC. (OR)","doc_count":1},{"key":"CREDIT WORLD SERVICES, INC.","doc_count":1},{"key":"CULLEN/FROST BANKERS, INC.","doc_count":1},{"key":"Capstone Credit & Collection, LLC.","doc_count":1},{"key":"Carpenter, Hazlewood, Delgado & Bolen, PLC","doc_count":1},{"key":"Cascade Capital, LLC","doc_count":1},{"key":"Central Research Inc","doc_count":1},{"key":"Central States Recovery, Inc.","doc_count":1},{"key":"Certified Credit Reporting, Inc.","doc_count":1},{"key":"Cheadle Law Firm","doc_count":1},{"key":"Chime Financial Inc","doc_count":1},{"key":"Clasp Group, Inc.","doc_count":1},{"key":"Cliff Lending Inc. d/b/a Advance Loan Solutions","doc_count":1},{"key":"Climb Credit Inc.","doc_count":1},{"key":"Collection Professionals, Inc. (Macomb, IL)","doc_count":1},{"key":"Columbia Collection Service, Inc.","doc_count":1},{"key":"Complete Credit Solutions, Inc.","doc_count":1},{"key":"Cooling & Winter LLC","doc_count":1},{"key":"Cornerstone Holdings, Inc.","doc_count":1},{"key":"Credit Adjustments Inc","doc_count":1},{"key":"Credit Bureau Systems, Inc., Paducah, KY Branch","doc_count":1},{"key":"Credit Card Acquisitions Group","doc_count":1},{"key":"Credit Central Holdings, LLC","doc_count":1},{"key":"Credit International Corporation","doc_count":1},{"key":"Credit Service Company, INC","doc_count":1},{"key":"Credits, Incorporated","doc_count":1},{"key":"D&A Services, LLC","doc_count":1},{"key":"D2 Management LLC","doc_count":1},{"key":"DCN Holdings Inc.","doc_count":1},{"key":"DIRECMANAGEMENT, INC.","doc_count":1},{"key":"DataMax Corporation","doc_count":1},{"key":"David Fogel P.C.","doc_count":1},{"key":"Debt Co LLC","doc_count":1},{"key":"Debt Management Incorporated","doc_count":1},{"key":"Denali Capital Holdings, LLC","doc_count":1},{"key":"Denefits LLC","doc_count":1},{"key":"Designed Receivable Solutions, Inc.","doc_count":1},{"key":"DreamSpring","doc_count":1},{"key":"Duvera Billing Services, LLC","doc_count":1},{"key":"Dyck-O'Neal, Inc.","doc_count":1},{"key":"E*TRADE BANK","doc_count":1},{"key":"E. A. Uffman & Associates, Inc","doc_count":1},{"key":"EMCC Holdings, LLC","doc_count":1},{"key":"EXCEL FINANCE COMPANY","doc_count":1},{"key":"Eaton Group Attorneys LLC","doc_count":1},{"key":"Elevate Recoveries, LLC","doc_count":1},{"key":"Essential Lending Inc","doc_count":1},{"key":"Express Collections, Inc.","doc_count":1},{"key":"FEDChex Recovery, LLC","doc_count":1},{"key":"FIRST AMERICAN FINANCIAL CORPORATION","doc_count":1},{"key":"FIRST FINANCIAL BANCORP","doc_count":1},{"key":"FIRST NATIONAL BANK OF OMAHA","doc_count":1},{"key":"FIRST NATIONAL BANK OF PENNSYLVANIA","doc_count":1},{"key":"FIRST TECHNOLOGY FEDERAL CREDIT UNION","doc_count":1},{"key":"FMS Inc.","doc_count":1},{"key":"Fairway Capital Recovery, LLC","doc_count":1},{"key":"Falls Collection Service Inc.","doc_count":1},{"key":"Faloni Law Group","doc_count":1},{"key":"Farrell Holdings, LLC","doc_count":1},{"key":"FinCo Services Inc DBA Current","doc_count":1},{"key":"Finance System of Green Bay, Inc.","doc_count":1},{"key":"Financial Asset Management Systems Inc","doc_count":1},{"key":"Financial Network Recovery Inc","doc_count":1},{"key":"First Advantage LNS Inc.","doc_count":1},{"key":"First Help Financial, LLC","doc_count":1},{"key":"Flagstar Bank, N.A.","doc_count":1},{"key":"Focused Recovery Solutions, Inc.","doc_count":1},{"key":"FourLeaf Federal Credit Union","doc_count":1},{"key":"Fradkin & Weber PA","doc_count":1},{"key":"Freeway Funding, Inc.","doc_count":1},{"key":"Frontline Asset Strategies, LLC","doc_count":1},{"key":"GB Collects, LLC","doc_count":1},{"key":"GLOBAL SOLUTION BIZ LLC.","doc_count":1},{"key":"GOLDEN 1 CREDIT UNION, THE","doc_count":1},{"key":"GREATAMERICA FINANCIAL SERVICES CORP.","doc_count":1},{"key":"GREEN ROAD FINANCE INC.","doc_count":1},{"key":"GREENSTATE CREDIT UNION","doc_count":1},{"key":"GRIFFIN FUNDING, INC.","doc_count":1},{"key":"GUARANTEED RATE INC.","doc_count":1},{"key":"Galaxy Capital Acquisitions, LLC","doc_count":1},{"key":"Garner & Conner, PLLC","doc_count":1},{"key":"Gatestone & Co. International Inc.","doc_count":1},{"key":"Giggle Finance Inc.","doc_count":1},{"key":"Goal Structured Solutions, LLC","doc_count":1},{"key":"Good News Group, LLC d/b/a Savvy Loans","doc_count":1},{"key":"Gravamen Asset Management Group LLC","doc_count":1},{"key":"GreenSky, LLC","doc_count":1},{"key":"Grimley Financial Corporation","doc_count":1},{"key":"HANCOCK WHITNEY BANK","doc_count":1},{"key":"HEAD MERCANTILE CO., INC.","doc_count":1},{"key":"HEARTLAND PAYMENT SYSTEMS INC","doc_count":1},{"key":"HUELSON LAW FIRM, LLC","doc_count":1},{"key":"HUNTINGTON NATIONAL BANK, THE","doc_count":1},{"key":"Happy Money, Inc.","doc_count":1},{"key":"Herbert P. Sears Co., Inc.","doc_count":1},{"key":"Heritage Financial Group, Inc.","doc_count":1},{"key":"Hillcrest Davidson & Associates","doc_count":1},{"key":"Holloway Credit Solutions","doc_count":1},{"key":"Huntington Debt Holding LLC","doc_count":1},{"key":"INTERCONTINENTAL EXCHANGE, INC.","doc_count":1},{"key":"Ideal Collection Services, Inc.","doc_count":1},{"key":"Innovis","doc_count":1},{"key":"JDJ Investments, INC.","doc_count":1},{"key":"JNR Adjustment Company, Inc","doc_count":1},{"key":"JP Jensen Collections, LLC","doc_count":1},{"key":"Jim Bottin Enterprises, Inc","doc_count":1},{"key":"KLS Financial Services, Inc","doc_count":1},{"key":"Kashable LLC","doc_count":1},{"key":"Kass Shuler, P.A.","doc_count":1},{"key":"Key 2 Recovery, Inc.","doc_count":1},{"key":"Keynote Consulting, Inc.","doc_count":1},{"key":"Keystone Law LLC","doc_count":1},{"key":"Klarna AB","doc_count":1},{"key":"Klima, Peters & Daly, P.A.","doc_count":1},{"key":"Kora Financial","doc_count":1},{"key":"Kovitz Shifrin Nesbit, A Professional Corporation","doc_count":1},{"key":"LAKEVIEW LOAN SERVICING, LLC","doc_count":1},{"key":"LAND HOME FINANCIAL SERVICES","doc_count":1},{"key":"LCI Acquisition Inc.","doc_count":1},{"key":"LCS FINANCIAL SERVICES CORPORATION","doc_count":1},{"key":"Landmark Strategy Group, LLC","doc_count":1},{"key":"Larsen & Associates, P.L.","doc_count":1},{"key":"Law Offices of Robert J. Colclough, III","doc_count":1},{"key":"Leafy Financial, LLC","doc_count":1},{"key":"Lefkoff, Rubin, Gleason, Russo & Williams, P.C.","doc_count":1},{"key":"Lela Mae Portfolio Management Group","doc_count":1},{"key":"Lending Club Corp","doc_count":1},{"key":"LoanCare, LLC","doc_count":1},{"key":"Loqbox US Inc","doc_count":1},{"key":"M&T BANK CORPORATION","doc_count":1},{"key":"MAINSTREET LOAN COMPANY IN","doc_count":1},{"key":"MCCABE, TROTTER & BEVERLY, PC","doc_count":1},{"key":"MECHANICS BANK","doc_count":1},{"key":"MERCANTILE ADJUSTMENT BUREAU, LLC","doc_count":1},{"key":"MILLENNIUM FINANCIAL GROUP, L.L.C.","doc_count":1},{"key":"MST Financial Services, L.L.C.","doc_count":1},{"key":"Malen & Associates, p.c.","doc_count":1},{"key":"Mammoth Tech, Inc.","doc_count":1},{"key":"Marauder Corporation","doc_count":1},{"key":"Marcadis Singer PA","doc_count":1},{"key":"Marine One Acceptance Corporation","doc_count":1},{"key":"McNeil & Meyers Asset Management Group, LLC","doc_count":1},{"key":"Mediation Recovery Center","doc_count":1},{"key":"Melar Investments, LLC","doc_count":1},{"key":"Merchants' Credit Guide Company","doc_count":1},{"key":"Mercury Technologies, Inc.","doc_count":1},{"key":"Metacorp LLC","doc_count":1},{"key":"Metro Collection Service Inc.","doc_count":1},{"key":"Mezcal Corporation","doc_count":1},{"key":"Michael & Associates, PC","doc_count":1},{"key":"Michael J Adams PC","doc_count":1},{"key":"MicroBilt / PRBC (formerly CL Verify)","doc_count":1},{"key":"Midstate Collection Solutions, Inc.","doc_count":1},{"key":"Midwest Credit & Collection, Inc.","doc_count":1},{"key":"MiraMed Revenue Group LLC","doc_count":1},{"key":"Mnet Financial Inc","doc_count":1},{"key":"Mobiloans, LLC","doc_count":1},{"key":"Moss Law Firm, P.C.","doc_count":1},{"key":"NCC Business Services, Inc.","doc_count":1},{"key":"NCP Holdings, L.P.","doc_count":1},{"key":"National Account Systems of Omaha, LLC","doc_count":1},{"key":"National Recovery Service, Inc.","doc_count":1},{"key":"Nationwide Credit & Collection, Inc.","doc_count":1},{"key":"Nelson and Kennard, LLP","doc_count":1},{"key":"Niederman Stanzel & Lindsey","doc_count":1},{"key":"North Capital Recovery Services","doc_count":1},{"key":"OKX INC.","doc_count":1},{"key":"ONEMAIN FINANCIAL HOLDINGS, LLC.","doc_count":1},{"key":"OPTUM BANK, INC.","doc_count":1},{"key":"ORG GC GP BUYER, LLC","doc_count":1},{"key":"Oklahoma Student Loan Authority","doc_count":1},{"key":"Omega RMS, LLC","doc_count":1},{"key":"Omni AR, LLC","doc_count":1},{"key":"One Source Technology","doc_count":1},{"key":"Optimum Outcomes, Inc.","doc_count":1},{"key":"Orions Management Group, LLC","doc_count":1},{"key":"PATRICK A. CAREY, P.A.","doc_count":1},{"key":"PREFERRED CREDIT INC","doc_count":1},{"key":"Palm Beach Credit Adjustors, Inc","doc_count":1},{"key":"Palmar, Inc.","doc_count":1},{"key":"Paradigm Assets, LLC","doc_count":1},{"key":"Paramount GR Holdings, LLC","doc_count":1},{"key":"Paramount Recovery Systems, L.P.","doc_count":1},{"key":"Parnell & Parnell, PA","doc_count":1},{"key":"Paypal Holdings, Inc","doc_count":1},{"key":"Pendrick Capital Partners","doc_count":1},{"key":"Pendrick Capital Partners Holding, LLC","doc_count":1},{"key":"Perpay, Inc.","doc_count":1},{"key":"Persolve, LLC - Legal - Series 2","doc_count":1},{"key":"Peter Roberts & Associates, Inc.","doc_count":1},{"key":"Pinebrook Holdings, LLC","doc_count":1},{"key":"Pinnacle Credit Services, LLC","doc_count":1},{"key":"PlusFour, Inc","doc_count":1},{"key":"Porsche Financial Services, Inc.","doc_count":1},{"key":"Preferred Collection and Management, Inc.","doc_count":1},{"key":"Premier Portfolio Group","doc_count":1},{"key":"Professional Collection Company","doc_count":1},{"key":"Professional Collectors Corp.","doc_count":1},{"key":"Professional Credit Management, Inc","doc_count":1},{"key":"Professional Recovery Consultants, Inc.","doc_count":1},{"key":"Quality Asset Recovery LLC","doc_count":1},{"key":"Quality Loan Service Corporation","doc_count":1},{"key":"Quall Cardot LLP","doc_count":1},{"key":"R.T.R. Financial Services, Inc.","doc_count":1},{"key":"RGS Financial, Inc.","doc_count":1},{"key":"RICHLAND HOLDINGS, INC.","doc_count":1},{"key":"RMS-Recovery Management Services, Inc.","doc_count":1},{"key":"RSI Enterprises, Inc.","doc_count":1},{"key":"RUI Credit Services, Inc.","doc_count":1},{"key":"Ragan & Ragan, PC","doc_count":1},{"key":"Ray Skillman Westside Imports Inc","doc_count":1},{"key":"Real Time Group, Inc.","doc_count":1},{"key":"Receivable Collection Services, LLC","doc_count":1},{"key":"Receivables Management Associates","doc_count":1},{"key":"Receivables Management Corporation","doc_count":1},{"key":"Recovery Management Solutions LLC","doc_count":1},{"key":"Reimer, Arnovitz, Chernek &Jeffrey Co., LPA","doc_count":1},{"key":"Reliable Credit Association, Inc.","doc_count":1},{"key":"Retail Merchants Associates","doc_count":1},{"key":"Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch","doc_count":1},{"key":"Revenue Cycle Associates, Inc.","doc_count":1},{"key":"Rhodes, Kelly Assoc Inc","doc_count":1},{"key":"Rickart Collection Systems, Inc.","doc_count":1},{"key":"Risecredit, LLC","doc_count":1},{"key":"Riverwalk Financial Corporation","doc_count":1},{"key":"Roadrunner Account Services, LLC","doc_count":1},{"key":"Robert W. Warner & Associates, P.C.","doc_count":1},{"key":"Robinson & Hoover","doc_count":1},{"key":"RockLoans Holdings LLC","doc_count":1},{"key":"Rodenburg LLP","doc_count":1},{"key":"RoundPoint Mortgage Servicing LLC","doc_count":1},{"key":"Rozlin Financial Group, Inc.","doc_count":1},{"key":"S.B.S. Trust Deed Network","doc_count":1},{"key":"SCHOOLSFIRST FEDERAL CREDIT UNION","doc_count":1},{"key":"SG and Associates","doc_count":1},{"key":"SHABANA MOTORS","doc_count":1},{"key":"SIMM Associates, Inc.","doc_count":1},{"key":"Sa-Vit Enterprises, Inc.","doc_count":1},{"key":"Seattle Service Bureau, Inc","doc_count":1},{"key":"Sensible Auto Lending, LLC","doc_count":1},{"key":"Servatus Corporation","doc_count":1},{"key":"Servicing Solutions, LLC","doc_count":1},{"key":"Solar Mosaic LLC","doc_count":1},{"key":"Southern Credit Adjusters, Inc.","doc_count":1},{"key":"Southern Credit Recovery, Inc.","doc_count":1},{"key":"Sprunger Law Office, LLC","doc_count":1},{"key":"St.John Cobb Inc","doc_count":1},{"key":"State Collection Service, Inc.","doc_count":1},{"key":"States Recovery Systems, Inc.","doc_count":1},{"key":"Steel River Systems, LLC","doc_count":1},{"key":"Stern & Stern. P.C.","doc_count":1},{"key":"Stone Higgs & Drexler","doc_count":1},{"key":"Strategic Dealer Services","doc_count":1},{"key":"Sunset Management, Inc","doc_count":1},{"key":"Suttell, Hammer & White, P.S","doc_count":1},{"key":"TRINITY HOPE ASSOCIATES","doc_count":1},{"key":"TSC Accounts Receivable Solutions","doc_count":1},{"key":"Terrill Outsourcing Group","doc_count":1},{"key":"Texas Guaranteed","doc_count":1},{"key":"The Claims Center LLC","doc_count":1},{"key":"Time Investment Corporation","doc_count":1},{"key":"Titan Receivables, Inc.","doc_count":1},{"key":"Todd, Bremer & Lawson, Inc.","doc_count":1},{"key":"Torriere Holdings INC","doc_count":1},{"key":"Tower Loan of Mississippi, Inc.","doc_count":1},{"key":"Transform Credit Inc.","doc_count":1},{"key":"Triton Recovery Group","doc_count":1},{"key":"Trojan Professional Services, Inc.","doc_count":1},{"key":"UHG, LLC","doc_count":1},{"key":"Unique Management Services, Inc","doc_count":1},{"key":"Unisa, Inc","doc_count":1},{"key":"United Check Recovery Bureau, Inc.","doc_count":1},{"key":"United Consumer Finance, Inc.","doc_count":1},{"key":"United Resource Systems, Inc","doc_count":1},{"key":"Universal Recovery Corporation","doc_count":1},{"key":"Uplift, Inc","doc_count":1},{"key":"VELO LAW OFFICE","doc_count":1},{"key":"Van Horn Automotive Group, Inc.","doc_count":1},{"key":"WOOD FINANCE INC DBA PREMIER ACCEPTANCE","doc_count":1},{"key":"West Central Texas Collection Bureau","doc_count":1},{"key":"Wolf River Development Company","doc_count":1},{"key":"Works & Lentz of Tulsa, Inc.","doc_count":1},{"key":"World Omni Financial Corp.","doc_count":1},{"key":"Zo Financial, Inc.","doc_count":1},{"key":"eCon Credit LP","doc_count":1},{"key":"iQuantified Management Services, LLC","doc_count":1}]}},"state":{"doc_count":17090,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"FL","doc_count":3122},{"key":"TX","doc_count":2128},{"key":"GA","doc_count":1628},{"key":"CA","doc_count":1621},{"key":"NY","doc_count":820},{"key":"IL","doc_count":661},{"key":"NJ","doc_count":655},{"key":"PA","doc_count":585},{"key":"MI","doc_count":525},{"key":"OH","doc_count":522},{"key":"NV","doc_count":511},{"key":"NC","doc_count":369},{"key":"SC","doc_count":357},{"key":"MD","doc_count":327},{"key":"LA","doc_count":309},{"key":"TN","doc_count":291},{"key":"AZ","doc_count":280},{"key":"VA","doc_count":274},{"key":"MO","doc_count":254},{"key":"AL","doc_count":207},{"key":"IN","doc_count":168},{"key":"MA","doc_count":139},{"key":"AR","doc_count":119},{"key":"MN","doc_count":110},{"key":"MS","doc_count":110},{"key":"WI","doc_count":96},{"key":"WA","doc_count":73},{"key":"CT","doc_count":71},{"key":"UT","doc_count":70},{"key":"CO","doc_count":67},{"key":"DE","doc_count":63},{"key":"KY","doc_count":62},{"key":"OK","doc_count":62},{"key":"IA","doc_count":58},{"key":"KS","doc_count":49},{"key":"RI","doc_count":47},{"key":"NE","doc_count":40},{"key":"NM","doc_count":35},{"key":"OR","doc_count":35},{"key":"NH","doc_count":30},{"key":"DC","doc_count":26},{"key":"HI","doc_count":13},{"key":"PR","doc_count":11},{"key":"WY","doc_count":10},{"key":"ID","doc_count":9},{"key":"ME","doc_count":9},{"key":"VI","doc_count":9},{"key":"ND","doc_count":8},{"key":"SD","doc_count":8},{"key":"UNITED STATES MINOR OUTLYING ISLANDS","doc_count":7},{"key":"MT","doc_count":6},{"key":"AK","doc_count":5},{"key":"WV","doc_count":5},{"key":"FM","doc_count":2},{"key":"VT","doc_count":2},{"key":"AE","doc_count":1}]}},"company_public_response":{"doc_count":17090,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":7670},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":527},{"key":"Company disputes the facts presented in the complaint","doc_count":50},{"key":"Company believes the complaint provided an opportunity to answer consumer's questions","doc_count":30},{"key":"Company can't verify or dispute the facts in the complaint","doc_count":30},{"key":"Company believes the complaint is the result of a misunderstanding","doc_count":17},{"key":"Company believes complaint represents an opportunity for improvement to better serve consumers","doc_count":8},{"key":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","doc_count":7},{"key":"Company believes complaint is the result of an isolated error","doc_count":2},{"key":"Company chooses not to provide a public response","doc_count":2}]}},"tags":{"doc_count":17090,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":1071},{"key":"Older American","doc_count":98},{"key":"Older American, Servicemember","doc_count":34}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[17.825104,"12309706"],"3":[17.449438,"10492500"],"4":[17.2747,"16769416"],"5":[17.085543,"14620752"],"6":[16.970758,"8555092"],"7":[16.853756,"15569464"],"8":[16.767004,"14090770"]}}}