{"took":66,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":505,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"14772047","_score":20.445715,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I submitted a formal dispute to Experian regarding a XXXX late mark reported by XXXX XXXX XXXX XXXX XXXX At the time of the reported delinquency, I was actively enrolled in a hardship payment plan that began on XX/XX/year>. This plan was confirmed on a recorded call by an XXXX representative named XXXX on XX/XX/year>. \n\nDespite providing proof and confirmation of the plan, Experian verified the XXXX delinquency as accurate. After denying my dispute, XXXX then claimed I needed to pay a {$65.00} activation fee for the plan to be valid a fee that was never disclosed in writing and is not reflected anywhere in the payment schedule I received. This excuse was made after the negative mark was already reported and the plan had been confirmed. \n\nThis is a violation of the Fair Credit Reporting Act. I have submitted multiple disputes, provided valid documentation, and have a pending CFPB complaint ( # XXXX ) regarding this same issue. I have been making every effort in good faith to resolve the situation, but I am being penalized and ignored.","date_sent_to_company":"2025-07-21T18:57:13.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"93035","tags":null,"has_narrative":true,"complaint_id":"14772047","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-21T18:37:11.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I <em>have</em> <em>submitted</em> <em>multiple</em> <em>disputes</em>, provided valid documentation, and <em>have</em> a pending CFPB complaint ( # XXXX ) regarding this same issue. I <em>have</em> been making every effort in good faith to resolve the situation, but I am being penalized and ignored."]},"sort":[20.445715,"14772047"]},{"_index":"complaint-public-v1","_id":"14772444","_score":20.126713,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I submitted a formal dispute to XXXX  regarding a 30-day late mark reported by XXXX XXXX XXXX XXXX XXXX At the time of the reported delinquency, I was actively enrolled in a hardship payment plan that began on XX/XX/year>. This plan was confirmed on a recorded call by an AllianceOne representative named XXXX on XX/XX/year>. \n\nDespite providing proof and confirmation of the plan, XXXX  verified the 30-day delinquency as accurate. After denying my dispute, AllianceOne then claimed I needed to pay a {$65.00} activation fee for the plan to be valid a fee that was never disclosed in writing and is not reflected anywhere in the payment schedule I received. This excuse was made after the negative mark was already reported and the plan had been confirmed. \n\nThis is a violation of the Fair Credit Reporting Act. I have submitted multiple disputes, provided valid documentation, and have a pending CFPB complaint ( # XXXX ) regarding this same issue. I have been making every effort in good faith to resolve the situation, but I am being penalized and ignored.","date_sent_to_company":"2025-07-21T18:57:13.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"93035","tags":null,"has_narrative":true,"complaint_id":"14772444","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Alliance One, Inc.","date_received":"2025-07-21T18:56:45.000Z","state":"CA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I <em>have</em> <em>submitted</em> <em>multiple</em> <em>disputes</em>, provided valid documentation, and <em>have</em> a pending CFPB complaint ( # XXXX ) regarding this same issue. I <em>have</em> been making every effort in good faith to resolve the situation, but I am being penalized and ignored."]},"sort":[20.126713,"14772444"]},{"_index":"complaint-public-v1","_id":"17120471","_score":19.421974,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"On XX/XX/year>, I attempted to book a hotel through XXXX using Affirm as the payment option. Within minutes of booking, I called XXXX to cancel because the confirmation screen showed an error. Later that same day, XXXX emailed me stating that your booking was not confirmed and did not go through. \n\nI immediately contacted the hotel directly, and they confirmed they had no record of my reservation or stay. Because of this, I called Affirm on multiple occasions to inform them that the transaction was invalid. Affirm representatives told me that since the booking was not confirmed, the payment would not process. \n\nAfter further investigation, I learned that the hotel later located a reservation under my name and phone number, but it was not associated with the XXXX confirmation number I received, which XXXX itself had previously stated was not confirmed. This shows that XXXX failed to process or communicate the correct booking information, resulting in confusion about whether a valid reservation ever existed. I never received a proper confirmation, was told the booking failed, and therefore did not stay at the property. \n\nDespite this, about a week later I received an automatic rate your stay email from XXXX even though I never checked in or received any service. I never stayed at the hotel, and the hotel can verify this. \n\nAffirm has now charged me for the full amount of the booking and insists I am responsible for payment, even after I submitted all of the following documentation : The XXXX email confirming the booking was not successful. \nWritten confirmation from the hotel showing I did not have a reservation and never stayed. \nProof of multiple calls to Affirm reporting the issue before any payment was processed. \n\nAffirm refused to reverse the charge and also refused to provide any proof from the merchant ( XXXX ) showing that the stay occurred ( such as a signed folio, check-in record, or receipt ). They simply closed the dispute in favor of the merchant without evidence. \n\nI am disputing this charge because no goods or services were received. I am requesting that Affirm reverse this charge immediately, remove any negative credit reporting related to it, and provide documentation showing what evidence the merchant provided ( if any ) to justify billing me. \n\nThis is a clear billing error under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and a failure by Affirm to investigate the dispute in good faith.","date_sent_to_company":"2025-11-08T21:34:08.000Z","issue":"Problem when making payments","sub_product":"Installment loan","zip_code":"54729","tags":null,"has_narrative":true,"complaint_id":"17120471","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Affirm Holdings, Inc","date_received":"2025-11-08T21:04:47.000Z","state":"WI","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Affirm has now charged me for the full amount of the booking and insists I am responsible for <em>payment</em>, even after I <em>submitted</em> all of the following documentation : The XXXX email confirming the booking was not successful. \nWritten <em>confirmation</em> from the hotel showing I did not <em>have</em> a reservation and never stayed. \nProof of <em>multiple</em> calls to Affirm reporting the issue before any <em>payment</em> was processed."]},"sort":[19.421974,"17120471"]},{"_index":"complaint-public-v1","_id":"16690144","_score":19.32689,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In XX/XX/year>, I discovered multiple inaccurate late-payment notations and unauthorized inquiries on my TransUnion credit report. These issues appeared after the confirmed XXXX TransUnion data breach, in which consumer data was exposed. \nThe late-payment marks were reported on several accounts that have always been paid on time, and there are inquiries that I never authorized. These inaccuracies have negatively impacted my credit standing. \n\nOn XX/XX/year>, I submitted a written dispute to TransUnion requesting removal of all inaccurate late-payment notations and unauthorized inquiries, citing my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I also requested that all unverifiable information be corrected or deleted within four ( 4 ) days of receipt due to the breach exposure.\n\nTo date, no corrections have been confirmed. I am seeking immediate reinvestigation and removal of all inaccurate late-payment data and unauthorized inquiries, as well as written confirmation of the corrections.","date_sent_to_company":"2025-10-21T01:34:01.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"207XX","tags":null,"has_narrative":true,"complaint_id":"16690144","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-21T01:05:29.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["On XX/XX/year>, I <em>submitted</em> a written <em>dispute</em> to TransUnion requesting removal of all inaccurate late-<em>payment</em> notations and unauthorized inquiries, citing my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I also requested that all unverifiable information be corrected or deleted within four ( 4 ) days of receipt due to the breach exposure.\n\nTo date, no corrections <em>have</em> been <em>confirmed</em>."]},"sort":[19.32689,"16690144"]},{"_index":"complaint-public-v1","_id":"13476017","_score":18.80304,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint because Equifax is reporting inaccurate information on my credit report regarding an account with XXXX XXXX. The account shows a 30-day late payment for XXXX and incorrectly lists a final payment date as XX/XX/XXXX. This is not accurate. \n\nThe due date for XXXX XXXX payments is the XXXX of each month. I made an early payment of {$86.00} on XX/XX/XXXX, then paid {$50.00} on XX/XX/XXXX, and another {$51.00} on XX/XX/XXXX. My final payment was made on XX/XX/XXXX, which was well before the XXXX due date for that month. XXXX XXXX confirmed that my loan was paid in full as of XX/XX/XXXX, as reflected in their loan confirmation letter. The reporting should reflect that the loan was paid in full by XX/XX/XXXX, not show a 30-day late payment. \n\nI submitted a dispute to Equifax online on XX/XX/XXXX ( Dispute Confirmation Number : XXXX ). At that time, I did not submit supporting documents. However, I have since mailed a follow-up dispute with all of the necessary proof, including bank statements and the loan payoff confirmation letter. As of now, Equifax has not confirmed receipt, but the documents are expected to arrive on Thursday, XX/XX/XXXX. \n\nDespite the seriousness of the dispute, Equifax closed the online dispute after only one day, without correcting the account or conducting what I believe to be a reasonable investigation. I understood that they were required to investigate disputes within 30 to 45 days, not resolve and close them in a single day. \n\nThe reporting is inaccurate : Equifax continues to show a 30-day late payment for XXXX, when my final payment was made on XX/XX/XXXX, and XXXX XXXX confirmed that my loan was paid in full. Their reporting guidelines indicate that the final payment should be reflected within 60 calendar days, but Equifax continues to report outdated and incorrect information. \n\nI also attempted multiple times to contact Equifax by phone. During my first attempt, an agent placed me on hold for 15 minutes and then hung up. On three other attempts, their system failed to verify my identity because the security questions were incorrect or irrelevant. For example, I was asked to verify an auto loan that isnt mine, choose from incorrect payment ranges, and verify school or home loans that I do not have. As a result, I was unable to speak with a representative to resolve this issue. \n\nThis inaccurate remark caused my credit score to drop by XXXX points, which has impacted me significantly. Equifax has failed to report accurate information and has not handled this matter professionally.","date_sent_to_company":"2025-05-13T02:23:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"17403","tags":null,"has_narrative":true,"complaint_id":"13476017","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-13T00:33:37.000Z","state":"PA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX <em>confirmed</em> that my loan was paid in full as of XX/XX/XXXX, as reflected in their loan <em>confirmation</em> letter. The reporting should reflect that the loan was paid in full by XX/XX/XXXX, not show a 30-day late <em>payment</em>. \n\nI <em>submitted</em> a <em>dispute</em> to Equifax online on XX/XX/XXXX ( <em>Dispute</em> <em>Confirmation</em> Number : XXXX ). At that time, I did not <em>submit</em> supporting documents."]},"sort":[18.80304,"13476017"]},{"_index":"complaint-public-v1","_id":"18047105","_score":18.478687,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I made a XXXX  payment that later became subject to an external dispute filed with my bank, XXXX. \n\nThe dispute was officially closed by XXXX on the XXXX XXXX and the amount was {$1100.00}, and XXXX confirmed that the funds were returned to XXXX. XXXX also provided me with a dispute closure letter and reference number, which I submitted to XXXX. \n\nDespite providing all documentation showing that the dispute is fully resolved and that the funds are already with XXXX, XXXX  has not released the funds to the intended recipient and has not provided a clear explanation or timeline for resolution. \n\nI have contacted XXXX  multiple times, requested confirmation that they received the returned funds, and requested a timeline for releasing the money. XXXX  has not provided this information and continues to hold the funds without resolution. \n\nI am requesting that XXXX  promptly resolve this issue by releasing the funds to the intended recipient or otherwise completing the transaction, as the external dispute has been fully resolved.","date_sent_to_company":"2025-12-15T18:26:54.000Z","issue":"Trouble accessing funds in your mobile or digital wallet","sub_product":"Mobile or digital wallet","zip_code":"44805","tags":null,"has_narrative":true,"complaint_id":"18047105","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2025-12-15T18:11:49.000Z","state":"OH","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I made a XXXX  <em>payment</em> that later became subject to an external <em>dispute</em> filed with my bank, XXXX. \n\nThe <em>dispute</em> was officially closed by XXXX on the XXXX XXXX and the amount was {$1100.00}, and XXXX <em>confirmed</em> that the funds were returned to XXXX. XXXX also provided me with a <em>dispute</em> closure letter and reference number, which I <em>submitted</em> to XXXX."]},"sort":[18.478687,"18047105"]},{"_index":"complaint-public-v1","_id":"14923581","_score":18.294413,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I had a Credit Builder loan account with MoneyLion, originally opened in XXXX. On XX/XX/XXXX, I contacted MoneyLion customer service via phone to resolve the account. The representative confirmed that the only issue was a rejected payment from XX/XX/XXXX, in the amount of {$19.00}, which prevented the loan from being marked as completed. \n\nOn the same call, I provided my updated debit card ( ending in XXXX ) and successfully submitted the payment for {$19.00} to close the loan in full. I was told that the account was now complete and that I would receive an email confirmation. However, I never received any written confirmation of payment or settlement from MoneyLion.\n\nDespite this, MoneyLion continues to report the account to the credit bureaus as a Profit and Loss Write-Off, which is false and inaccurate. The account was paid in full, not charged off. I have submitted disputes to the credit bureaus, but MoneyLion has continued to verify the account with the inaccurate charge-off status. \n\nI have supporting documentation, including a screenshot of the MoneyLion app showing the account status, and bank statements confirming the payment of {$19.00} on XX/XX/XXXX. \n\nI have reached out multiple times for written confirmation and for MoneyLion to update the credit bureaus with the correct status that the loan was paid in full and they have not taken action. \n\nThis inaccurate reporting is damaging my credit history and limiting my ability to qualify for better financial products, despite the fact that I resolved the balance in good faith.","date_sent_to_company":"2025-07-28T20:04:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19150","tags":"Servicemember","has_narrative":true,"complaint_id":"14923581","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MoneyLion Inc.","date_received":"2025-07-28T19:33:57.000Z","state":"PA","company_public_response":"Company believes the complaint provided an opportunity to answer consumer's questions","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I <em>have</em> supporting documentation, including a screenshot of the MoneyLion app showing the account status, and bank statements confirming the <em>payment</em> of {$19.00} on XX/XX/XXXX. \n\nI <em>have</em> reached out <em>multiple</em> times for written <em>confirmation</em> and for MoneyLion to update the credit bureaus with the correct status that the loan was paid in full and they <em>have</em> not taken action."]},"sort":[18.294413,"14923581"]},{"_index":"complaint-public-v1","_id":"13363443","_score":18.172066,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint because TransUnion is reporting a XXXXday late payment on my credit report for an account with XXXX XXXX XXXX which is inaccurate and the result of a dispute that was submitted by mistake. \n\nAround XX/XX/year>, XXXX XXXX confirmed that my account was current, and I was informed by XXXX XXXX XXXX, Chief Director at XXXXXXXX XXXX that their operations team submitted the update to TransUnion to reflect the correct account status. For a brief period, the account did appear as current. However, TransUnion later reversed the correction, and the account is now incorrectly showing as past due, which is damaging my credit score. \n\nI have contacted TransUnion multiple times to explain that this is a reporting error caused by an unintentional dispute. I also reached out to XXXXXXXX XXXX, and XXXX XXXX confirmed again on XX/XX/year>, that I have never been late and that my account should be reported as current. Despite this, the account is still showing as past due on my TransUnion credit report. \n\nI am requesting that this matter be corrected immediately by : Removing the inaccurate XXXXday late payment from my report Updating the account to reflect its true status of current Restoring any credit score impact caused by the error Providing written confirmation of the correction I have attached supporting documentation, including communications with XXXXXXXX XXXX and evidence that my account is not delinquent. This error is unfairly impacting my credit, and I would appreciate your urgent attention in correcting it. \n\nThank you for your help in resolving this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-05-07T02:18:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"44143","tags":"Servicemember","has_narrative":true,"complaint_id":"13363443","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-07T01:43:51.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I <em>have</em> contacted TransUnion <em>multiple</em> times to explain that this is a reporting error caused by an unintentional <em>dispute</em>. I also reached out to XXXXXXXX XXXX, and XXXX XXXX <em>confirmed</em> again on XX/XX/year>, that I <em>have</em> never been late and that my account should be reported as current. Despite this, the account is still showing as past due on my TransUnion credit report."]},"sort":[18.172066,"13363443"]},{"_index":"complaint-public-v1","_id":"14582426","_score":18.16367,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Approximately XX/XX/XXXX, my credit reports for Experian, Equifax, and Transunion reported my students loans with the Department of EducationXXXX as XXXX days late. I received credit monitoring alerts from MyFico on XXXX XXXX with notification of my credit scores decreasing XXXX, XXXX and XXXX points. I contacted XXXX, the department of education and was provided a dispute link directly with Experian to dispute how my accounts were current XXXX, XXXX and XXXX, and then receive a XXXX  day late notice. I spoke with XXXX from Customer service at Experian via XXXX ; XXXX Who confirmed my previous credit report current, paid as agreed, XX/XX/XXXX who reached out to her supervisor. I was instructed to complete the dispute process, attaching supporting documentation and uploaded supporting docs to www.experian.com/upload with a confirmation. On XX/XX/XXXX, I also contacted XXXX who confirmed that my account was not 90 days late, they did not report the account as XXXX days late, and I received an email confirmation of it's current status. I contacted the Dept of Education, who also confirmed the current status of my XXXX student loans and stated they did not report my loans as 90 days late. I additionally wrote Experian, Transunion, Equifax and the Department of Education, requesting my credit report be corrected and removal of the MULTIPLE loans as I only have XXXX student loans. Again XX/XX/XXXX, I submitted another dispute to Experian, Equifax and Transunion and have received no updates or corrections to my credit report. Today, XX/XX/XXXX, there are almost XXXX late payments for student loans reporting on my credit report.","date_sent_to_company":"2025-07-11T01:04:56.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"39648","tags":"Servicemember","has_narrative":true,"complaint_id":"14582426","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-11T01:04:27.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I contacted the Dept of Education, who also <em>confirmed</em> the current status of my XXXX student loans and stated they did not report my loans as 90 days late. I additionally wrote Experian, Transunion, Equifax and the Department of Education, requesting my credit report be corrected and removal of the <em>MULTIPLE</em> loans as I only <em>have</em> XXXX student loans. Again XX/XX/XXXX, I <em>submitted</em> another <em>dispute</em> to Experian, Equifax and Transunion and <em>have</em> received no updates or corrections to my credit report."]},"sort":[18.16367,"14582426"]},{"_index":"complaint-public-v1","_id":"14568114","_score":18.156544,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Approximately XX/XX/XXXX, my credit reports for Experian, Equifax, and Transunion reported my students loans with the Department of EducationXXXX as XXXX days late. I received credit monitoring alerts from MyFico on XXXX XXXX with notification of my credit scores decreasing XXXX, XXXX and XXXX points. I contacted XXXX, the department of education and was provided a dispute link directly with Experian to dispute how my accounts were current XXXX, XXXX and XXXX, and then receive a XXXX  day late notice. I spoke with XXXX from Customer service at Experian via XXXX ; XXXX Who confirmed my previous credit report current, paid as agreed, XX/XX/XXXX who reached out to her supervisor. I was instructed to complete the dispute process, attaching supporting documentation and uploaded supporting docs to www.experian.com/upload with a confirmation. On XX/XX/XXXX, I also contacted XXXX who confirmed that my account was not 90 days late, they did not report the account as XXXX days late, and I received an email confirmation of it's current status. I contacted the Dept of Education, who also confirmed the current status of my XXXX student loans and stated they did not report my loans as 90 days late. I additionally wrote Experian, Transunion, Equifax and the Department of Education, requesting my credit report be corrected and removal of the MULTIPLE loans as I only have XXXX student loans. Again XX/XX/XXXX, I submitted another dispute to Experian, Equifax and Transunion and have received no updates or corrections to my credit report. Today, XX/XX/XXXX, there are almost XXXX late payments for student loans reporting on my credit report.","date_sent_to_company":"2025-07-11T01:04:56.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"39648","tags":"Servicemember","has_narrative":true,"complaint_id":"14568114","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-10T23:55:04.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I contacted the Dept of Education, who also <em>confirmed</em> the current status of my XXXX student loans and stated they did not report my loans as 90 days late. I additionally wrote Experian, Transunion, Equifax and the Department of Education, requesting my credit report be corrected and removal of the <em>MULTIPLE</em> loans as I only <em>have</em> XXXX student loans. Again XX/XX/XXXX, I <em>submitted</em> another <em>dispute</em> to Experian, Equifax and Transunion and <em>have</em> received no updates or corrections to my credit report."]},"sort":[18.156544,"14568114"]},{"_index":"complaint-public-v1","_id":"14567185","_score":18.134848,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Approximately XX/XX/XXXX, my credit reports for Experian, Equifax, and Transunion reported my students loans with the Department of EducationXXXX as XXXX days late. I received credit monitoring alerts from MyFico on XXXX XXXX with notification of my credit scores decreasing XXXX, XXXX and XXXX points. I contacted XXXX, the department of education and was provided a dispute link directly with Experian to dispute how my accounts were current XXXX, XXXX and XXXX, and then receive a XXXX  day late notice. I spoke with XXXX from Customer service at Experian via XXXX ; XXXX Who confirmed my previous credit report current, paid as agreed, XX/XX/XXXX who reached out to her supervisor. I was instructed to complete the dispute process, attaching supporting documentation and uploaded supporting docs to www.experian.com/upload with a confirmation. On XX/XX/XXXX, I also contacted XXXX who confirmed that my account was not 90 days late, they did not report the account as XXXX days late, and I received an email confirmation of it's current status. I contacted the Dept of Education, who also confirmed the current status of my XXXX student loans and stated they did not report my loans as 90 days late. I additionally wrote Experian, Transunion, Equifax and the Department of Education, requesting my credit report be corrected and removal of the MULTIPLE loans as I only have XXXX student loans. Again XX/XX/XXXX, I submitted another dispute to Experian, Equifax and Transunion and have received no updates or corrections to my credit report. Today, XX/XX/XXXX, there are almost XXXX late payments for student loans reporting on my credit report.","date_sent_to_company":"2025-07-11T01:05:00.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"39648","tags":"Servicemember","has_narrative":true,"complaint_id":"14567185","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-11T01:04:27.000Z","state":"MS","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I contacted the Dept of Education, who also <em>confirmed</em> the current status of my XXXX student loans and stated they did not report my loans as 90 days late. I additionally wrote Experian, Transunion, Equifax and the Department of Education, requesting my credit report be corrected and removal of the <em>MULTIPLE</em> loans as I only <em>have</em> XXXX student loans. Again XX/XX/XXXX, I <em>submitted</em> another <em>dispute</em> to Experian, Equifax and Transunion and <em>have</em> received no updates or corrections to my credit report."]},"sort":[18.134848,"14567185"]},{"_index":"complaint-public-v1","_id":"18413067","_score":17.933079,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/year>, a charge of XXXX XXXX  from Best Buy appeared on my Citibank Best Buy credit card account. I did not authorize, initiate, or benefit from this transaction, and I did not have the card in my possession on the transaction date. \n\nI disputed the charge promptly with Citibank. Citibank conducted an investigation and denied my claim. I appealed the decision multiple times. XXXX appeals were submitted by phone, followed by a third appeal submitted in writing on XX/XX/year>, and a fourth appeal submitted in writing on XX/XX/year>. Copies of the written appeals are attached. Citibank has issued XXXX denial letters dated XX/XX/year>, XX/XX/year>, and XX/XX/year>. All three letters contain substantially identical boilerplate language and do not provide any evidence demonstrating that I authorized or received the transaction. \n\nI also contacted the merchant, Best Buy, twice to verify the transaction. Best Buy confirmed that no transaction exists under my name or personal identifying information. The second confirmation is documented under Best Buy Case XXXX XXXX. Citibanks denial letters do not address or rebut this merchant confirmation. \n\nI requested that Citibank provide written merchant evidence supporting the charge, including a receipt, delivery or pickup confirmation, signature or identification verification, or device or IP data. Citibank did not provide any such documentation. I was informed by phone that evidence would only be provided verbally and not in writing. \n\nDespite the dispute remaining unresolved and under active appeal, Citibank re-billed the disputed amount, assessed interest and late fees, and continued to demand payment. Citibank further reported the account as delinquent to Equifax. As reflected in the attached credit report screenshot, the account has been reported as XXXX  days late, resulting in a significant credit score decrease of approximately XXXX points. \n\nThis credit reporting occurred while the billing dispute remained unresolved, after multiple written disputes and appeals, and after a formal Notice of Continuing Dispute was submitted. Reporting a disputed charge as delinquent without substantiating liability is inconsistent with the Fair Credit Billing Act, Regulation Z, and the Fair Credit Reporting Act. \n\nI further note that this matter is now under active regulatory review, and a formal complaint is being submitted regarding Citibanks handling of this dispute. Despite this, Citibank continues to treat the disputed amount as due, with a stated payment due date of XX/XX/XXXX. Because the charge remains under active dispute and has not been substantiated with merchant evidence, Citibank may not require payment of the disputed amount, assess additional fees or interest, or continue negative credit reporting while the dispute is unresolved.","date_sent_to_company":"2026-01-02T03:34:49.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"11354","tags":null,"has_narrative":true,"complaint_id":"18413067","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-01-02T02:15:06.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["I did not authorize, initiate, or benefit from this transaction, and I did not <em>have</em> the card in my possession on the transaction date. \n\nI <em>disputed</em> the charge promptly with Citibank. Citibank conducted an investigation and denied my claim. I appealed the decision <em>multiple</em> times. XXXX appeals were <em>submitted</em> by phone, followed by a third appeal <em>submitted</em> in writing on XX/XX/year>, and a fourth appeal <em>submitted</em> in writing on XX/XX/year>. Copies of the written appeals are attached."]},"sort":[17.933079,"18413067"]},{"_index":"complaint-public-v1","_id":"18323712","_score":17.704023,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"In XX/XX/year>, I executed a vehicle retail installment contract with XXXX Hyundai XXXXThe initial contract contained errors, which I disputed with the dealership. To resolve the dispute, XXXX Hyundai XXXX created a second contract, which is the correct contract intended to replace the first and reflect the proper terms. \n\nXXXX Hyundai XXXX confirmed in writing that the second contract and supporting documentation were electronically submitted to Hyundai Motor Finance on XX/XX/year>. Additionally, timestamps provided by XXXX Hyundai XXXX show multiple Contract Received entries and rebooking activity on XX/XX/year>, indicating Hyundai Motor Finance received the contracts. \n\nDespite this, Hyundai Motor Finance has failed to update my account to reflect the correct second contract. My online portal continues to display the original, incorrect contract terms, resulting in payment discrepancies and ongoing financial impact. XXXX Hyundai XXXX has acknowledged that the issue is with Hyundai XXXX XXXX internal processing, but no written confirmation has been provided from Hyundai XXXX XXXX verifying that the correct contract is being serviced. \n\nI have made repeated good-faith attempts to resolve this issue, including contacting XXXX Hyundai XXXX multiple times , submitting a BBB complaint, and opening a Consumer Affairs ticket with Hyundai Motor Finance . Despite these efforts, the issue remains unresolved, and my account still reflects incorrect information. \n\nI am seeking written confirmation from Hyundai Motor Finance that the second contract from XXXX Hyundai XXXX is the XXXX being serviced, correction of my account to reflect this contract, and accurate portal/payment information consistent with the correct contract terms.","date_sent_to_company":"2025-12-28T01:56:42.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"306XX","tags":null,"has_narrative":true,"complaint_id":"18323712","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HYUNDAI CAPITAL AMERICA","date_received":"2025-12-28T01:23:20.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["XXXX Hyundai XXXX has acknowledged that the issue is with Hyundai XXXX XXXX internal processing, but no written <em>confirmation</em> has been provided from Hyundai XXXX XXXX verifying that the correct contract is being serviced. \n\nI <em>have</em> made repeated good-faith attempts to resolve this issue, including contacting XXXX Hyundai XXXX <em>multiple</em> times , <em>submitting</em> a BBB complaint, and opening a Consumer Affairs ticket with Hyundai Motor Finance ."]},"sort":[17.704023,"18323712"]},{"_index":"complaint-public-v1","_id":"10578779","_score":17.543606,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In XXXX, I discovered several inaccuracies on my credit reports provided by XXXX and TransUnion, specifically concerning late payment entries inaccurately reported by XXXX. Despite multiple disputes filed with both credit reporting agencies and direct correspondence with XXXX, the issues have not been rectified. \n\nInitial Discovery and Actions Taken : On XX/XX/year>, I noticed erroneous late payment entries on my XXXX credit report and submitted a dispute. XXXX had previously confirmed these entries were reported in error. \nI sent further communications to TransUnion on XX/XX/year>, emphasizing the urgency of correcting similar errors on my TransUnion credit report. \nCopies of my identification, a complete payment history from XXXX, and utility bills were provided as part of the dispute documentation. \nXXXX 's Response : XXXX acknowledged the errors in reporting late payments but has not provided adequate documentation to the credit bureaus to correct these errors, as confirmed by direct communications. \nLack of Resolution : Despite providing all necessary documents and following up, as of today, there has been no adjustment or removal of the inaccurate late payment entries by either XXXX or TransUnion. \nRepeated disputes and the provided evidence have been seemingly ignored, leaving the incorrect data on my credit reports, continuing to impact my credit score adversely. \nRequested Resolution : I seek the CFPBs intervention to ensure that XXXX and the concerned credit bureaus adhere to the Fair Credit Reporting Act ( FCRA ) by investigating and rectifying the inaccuracies reported in my credit files promptly. \nI request the removal of all inaccurate late payment entries from my credit reports and a written confirmation from XXXX and the credit bureaus stating that the corrections have been made.","date_sent_to_company":"2024-10-25T18:21:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77493","tags":null,"has_narrative":true,"complaint_id":"10578779","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-25T18:21:36.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["In XXXX, I discovered several inaccuracies on my credit reports provided by XXXX and TransUnion, specifically concerning late <em>payment</em> entries inaccurately reported by XXXX. Despite <em>multiple</em> <em>disputes</em> filed with both credit reporting agencies and direct correspondence with XXXX, the issues <em>have</em> not been rectified. \n\nInitial Discovery and Actions Taken : On XX/XX/year>, I noticed erroneous late <em>payment</em> entries on my XXXX credit report and <em>submitted</em> a <em>dispute</em>."]},"sort":[17.543606,"10578779"]},{"_index":"complaint-public-v1","_id":"10578778","_score":17.538666,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In XXXX, I discovered several inaccuracies on my credit reports provided by Experian and XXXX, specifically concerning late payment entries inaccurately reported by XXXX. Despite multiple disputes filed with both credit reporting agencies and direct correspondence with XXXX, the issues have not been rectified. \n\nInitial Discovery and Actions Taken : On XX/XX/year>, I noticed erroneous late payment entries on my Experian credit report and submitted a dispute. XXXX had previously confirmed these entries were reported in error. \nI sent further communications to XXXX on XX/XX/year>, emphasizing the urgency of correcting similar errors on my XXXX credit report. \nCopies of my identification, a complete payment history from XXXX, and utility bills were provided as part of the dispute documentation. \nXXXX 's Response : XXXX acknowledged the errors in reporting late payments but has not provided adequate documentation to the credit bureaus to correct these errors, as confirmed by direct communications.\n\nLack of Resolution : Despite providing all necessary documents and following up, as of today, there has been no adjustment or removal of the inaccurate late payment entries by either Experian or XXXX. \nRepeated disputes and the provided evidence have been seemingly ignored, leaving the incorrect data on my credit reports, continuing to impact my credit score adversely.\n\nRequested Resolution : I seek the CFPBs intervention to ensure that XXXX and the concerned credit bureaus adhere to the Fair Credit Reporting Act ( FCRA ) by investigating and rectifying the inaccuracies reported in my credit files promptly. \nI request the removal of all inaccurate late payment entries from my credit reports and a written confirmation from XXXX and the credit bureaus stating that the corrections have been made.","date_sent_to_company":"2024-10-25T18:21:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77493","tags":null,"has_narrative":true,"complaint_id":"10578778","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-25T18:21:36.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["In XXXX, I discovered several inaccuracies on my credit reports provided by Experian and XXXX, specifically concerning late <em>payment</em> entries inaccurately reported by XXXX. Despite <em>multiple</em> <em>disputes</em> filed with both credit reporting agencies and direct correspondence with XXXX, the issues <em>have</em> not been rectified. \n\nInitial Discovery and Actions Taken : On XX/XX/year>, I noticed erroneous late <em>payment</em> entries on my Experian credit report and <em>submitted</em> a <em>dispute</em>."]},"sort":[17.538666,"10578778"]},{"_index":"complaint-public-v1","_id":"10579656","_score":17.520844,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In XXXX, I discovered several inaccuracies on my credit reports provided by XXXX and XXXX, specifically concerning late payment entries inaccurately reported by XXXX. Despite multiple disputes filed with both credit reporting agencies and direct correspondence with XXXX, the issues have not been rectified. \n\nInitial Discovery and Actions Taken : On XX/XX/year>, I noticed erroneous late payment entries on my XXXX credit report and submitted a dispute. XXXX  had previously confirmed these entries were reported in error. \nI sent further communications to XXXX on XX/XX/year>, emphasizing the urgency of correcting similar errors on my XXXX credit report. \nCopies of my identification, a complete payment history from XXXX, and utility bills were provided as part of the dispute documentation. \nXXXX  's Response : XXXX  acknowledged the errors in reporting late payments but has not provided adequate documentation to the credit bureaus to correct these errors, as confirmed by direct communications. \nLack of Resolution : Despite providing all necessary documents and following up, as of today, there has been no adjustment or removal of the inaccurate late payment entries by either XXXX or XXXX. \nRepeated disputes and the provided evidence have been seemingly ignored, leaving the incorrect data on my credit reports, continuing to impact my credit score adversely.\n\nRequested Resolution : I seek the CFPBs intervention to ensure that XXXX  and the concerned credit bureaus adhere to the Fair Credit Reporting Act ( FCRA ) by investigating and rectifying the inaccuracies reported in my credit files promptly. \nI request the removal of all inaccurate late payment entries from my credit reports and a written confirmation from XXXX  and the credit bureaus stating that the corrections have been made.","date_sent_to_company":"2024-10-28T20:21:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77493","tags":null,"has_narrative":true,"complaint_id":"10579656","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2024-10-25T17:25:26.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["In XXXX, I discovered several inaccuracies on my credit reports provided by XXXX and XXXX, specifically concerning late <em>payment</em> entries inaccurately reported by XXXX. Despite <em>multiple</em> <em>disputes</em> filed with both credit reporting agencies and direct correspondence with XXXX, the issues <em>have</em> not been rectified. \n\nInitial Discovery and Actions Taken : On XX/XX/year>, I noticed erroneous late <em>payment</em> entries on my XXXX credit report and <em>submitted</em> a <em>dispute</em>."]},"sort":[17.520844,"10579656"]},{"_index":"complaint-public-v1","_id":"14663511","_score":17.444088,"_source":{"product":"Credit card","complaint_what_happened":"I am filing a complaint regarding Chases refusal to provide written documentation of an amended credit card settlement agreement, despite multiple good faith requests by phone and secure message. \nOn or around XX/XX/year>, I was offered a settlement on my closed Chase credit card account ending in XXXX for {$5000.00}, with XXXX payments due XX/XX/XXXX and XX/XX/XXXX. However, I did not receive the letter until XX/XX/XXXX after the first deadline had already passed. \nSince and before then, I have made numerous attempts to request either ( a ) a reissued settlement letter with revised payment dates, or ( b ) a secure message confirming that the settlement terms remain valid and that I may pay on a revised timeline. Chase representatives have repeatedly confirmed verbally that I have up to XXXX days from XX/XX/XXXX ( i.e., until XX/XX/XXXX ) to complete the payment and that a supervisor submitted an amendment for a single {$5000.00} payment due XX/XX/XXXX. \nDespite these verbal assurances, I have been told that Chase is unable or unwilling to send any written confirmation of these amended terms not even via secure message. I have made multiple phone calls and submitted secure messages documenting my request for basic written confirmation of : * The valid settlement amount ( {$5000.00} ) * The updated payment date ( XX/XX/year> ) * That the account will be considered settled in full upon completion of payment At no point have I disputed the settlement offer itself or failed to communicate in good faith. I have simply asked for written documentation of the terms I am expected to follow. I am ready and willing to pay, but I can not do so responsibly without clear documentation that protects both parties.","date_sent_to_company":"2025-07-15T20:55:34.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"983XX","tags":"Servicemember","has_narrative":true,"complaint_id":"14663511","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-07-15T20:38:19.000Z","state":"WA","company_public_response":null,"sub_issue":"Problem with customer service"},"highlight":{"complaint_what_happened":["I <em>have</em> made <em>multiple</em> phone calls and <em>submitted</em> secure messages documenting my request for basic written <em>confirmation</em> of : * The valid settlement amount ( {$5000.00} ) * The updated <em>payment</em> date ( XX/XX/year> ) * That the account will be considered settled in full upon completion of <em>payment</em> At no point <em>have</em> I <em>disputed</em> the settlement offer itself or failed to communicate in good faith. I <em>have</em> simply asked for written documentation of the terms I am expected to follow."]},"sort":[17.444088,"14663511"]},{"_index":"complaint-public-v1","_id":"18823624","_score":17.408035,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"In XX/XX/XXXX and XX/XX/XXXX, multiple chargebacks were opened on my Venmo account related to payments sent by the same sender. The sender later confirmed to me that he did not intentionally file these disputes and that his Venmo account was suspended for unusual activity, indicating a security-related trigger rather than an intentional dispute.\n\nVenmo sent multiple notices instructing me to respond to the chargebacks by emailing XXXX before the XX/XX/XXXX deadline. I complied with these instructions and emailed my dispute responses, including the dispute IDs and explanation, before the deadline. \n\nAfter submitting my responses, I began receiving automated emails stating that the inbox I was instructed to use was no longer monitored. When I contacted Venmo through in-app chat, I was later told to send the same information to a different email address, XXXX, which I also did. I again received automated messages stating the inbox was not monitored. \n\nDespite my repeated attempts to comply with Venmos instructions and request confirmation that my responses were received, Venmo did not provide any confirmation that my dispute responses were reviewed or logged. No substantive response was provided explaining the status of the disputes or next steps. \n\nWhile the disputes were still unresolved, Venmo debited my account for the disputed amounts, froze my account, and placed my account into a negative balance totaling approximately {$490.00}. I currently have no funds available and am unable to pay this balance. \n\nI requested clarification regarding the validity of the email instructions, confirmation of receipt of my dispute responses, and an explanation for the account freeze and negative balance. Venmo has not provided this information and has only sent automated responses. \n\nI am requesting that these chargebacks be properly reviewed, the disputed debits be reversed while the investigation is ongoing, and my account access be restored. I am also requesting clear confirmation of the status of my dispute responses and written clarification of Venmos chargeback process, as conflicting instructions prevented effective resolution.","date_sent_to_company":"2026-04-09T21:25:57.000Z","issue":"Trouble accessing funds in your mobile or digital wallet","sub_product":"Mobile or digital wallet","zip_code":"28803","tags":null,"has_narrative":true,"complaint_id":"18823624","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2026-01-19T07:23:23.000Z","state":"NC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["In XX/XX/XXXX and XX/XX/XXXX, <em>multiple</em> chargebacks were opened on my Venmo account related to <em>payments</em> sent by the same sender. The sender later <em>confirmed</em> to me that he did not intentionally file these <em>disputes</em> and that his Venmo account was suspended for unusual activity, indicating a security-related trigger rather than an intentional <em>dispute</em>.\n\nVenmo sent <em>multiple</em> notices instructing me to respond to the chargebacks by emailing XXXX before the XX/XX/XXXX deadline."]},"sort":[17.408035,"18823624"]},{"_index":"complaint-public-v1","_id":"18171351","_score":17.217154,"_source":{"product":"Credit card","complaint_what_happened":"Between XX/XX/XXXX XXXX, I made a purchase through XXXX using a one-time Klarna virtual card. XXXX later acknowledged an internal system error, confirmed a full refund was issued, and stated they would not collect further payment. I have multiple written emails from XXXX confirming this. \n\nHowever, Klarna continues to charge me for the full amount despite XXXX stating a refund was processed. Klarna support repeatedly tells me no refund exists and pushes responsibility back to XXXX. XXXX points to Klarna processing delays and suggests Klarna should reflect the refund, but Klarna claims they have no record of it. I am stuck between XXXX companies blaming each other while money continues to be withdrawn from me. \n\nI have attempted to dispute the transaction through the Klarna app repeatedly, but every submission fails due to a persistent technical error, preventing me from properly disputing the charges or escalating through XXXX normal dispute channels. \n\nI have already submitted formal complaints to the BBB. Klarna responded stating no refund was processed even though XXXX issued written confirmation to me that it was. Neither company is communicating with XXXX another, leaving me responsible for payments I do not owe for a product that was not fulfilled properly. \n\nIt has now been weeks of emotional stress, repeated documentation, and unresolved financial harm. Klarna continues to withdraw money for an order XXXX has confirmed refunded. I have exhausted every support route available to me. I need regulatory intervention.","date_sent_to_company":"2025-12-04T20:18:03.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"94619","tags":null,"has_narrative":true,"complaint_id":"18171351","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Klarna AB","date_received":"2025-12-04T20:02:48.000Z","state":"CA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I <em>have</em> already <em>submitted</em> formal complaints to the BBB. Klarna responded stating no refund was processed even though XXXX issued written <em>confirmation</em> to me that it was. Neither company is communicating with XXXX another, leaving me responsible for <em>payments</em> I do not owe for a product that was not fulfilled properly. \n\nIt has now been weeks of emotional stress, repeated documentation, and unresolved financial harm. Klarna continues to withdraw money for an order XXXX has <em>confirmed</em> refunded."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[17.217154,"18171351"]},{"_index":"complaint-public-v1","_id":"17142898","_score":16.996655,"_source":{"product":"Debt collection","complaint_what_happened":"I am submitting this complaint regarding inaccurate credit reporting by XXXX XXXX related to an auto lease I co-signed for my father, XXXX XXXX. \n\nThe XXXX XXXX account number is XXXX. The lease ended and the vehicle was returned. A small charge for windshield damage was sent to TSI ( Transworld Systems ) for collections under account number XXXX. \n\nIn XX/XX/year>, TSI confirmed in writing that the account was resolved after a {$930.00} payment was made toward a {$620.00} balance. Their letter dated XX/XX/year>, states : As of the date of this letter, our records indicate that your account is resolved. In the event that we are notified in the future that your payment was returned due to non-sufficient funds or was otherwise reversed or unpaid by your financial institution, this letter will be void. \n\nDespite this settlement and confirmation, XXXX XXXX continues to report the account as charged-off with a balance due to the credit bureaus. This incorrect reporting has remained for nearly two years and has significantly harmed my credit score.\n\nI have filed multiple disputes with XXXX  and provided documentation,\nincluding the TSI settlement letter and proof of payment, but XXXX has not corrected the information. \n\nI am requesting that XXXX XXXX : Correct its reporting to show the account as Paid Settled with a {$0.00} balance, and Provide written confirmation that the account is resolved in full and that no further balance is owed.\n\nI have attached a copy of the TSI letter.","date_sent_to_company":"2025-11-10T19:31:17.000Z","issue":"Attempts to collect debt not owed","sub_product":"Auto debt","zip_code":"91780","tags":null,"has_narrative":true,"complaint_id":"17142898","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSWORLD SYSTEMS INC","date_received":"2025-11-10T19:22:04.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["I <em>have</em> filed <em>multiple</em> <em>disputes</em> with XXXX  and provided documentation,\nincluding the TSI settlement letter and proof of <em>payment</em>, but XXXX has not corrected the information. \n\nI am requesting that XXXX XXXX : Correct its reporting to show the account as Paid Settled with a {$0.00} balance, and Provide written <em>confirmation</em> that the account is resolved in full and that no further balance is owed.\n\nI <em>have</em> attached a copy of the TSI letter."]},"sort":[16.996655,"17142898"]},{"_index":"complaint-public-v1","_id":"17141264","_score":16.962088,"_source":{"product":"Debt collection","complaint_what_happened":"I am submitting this complaint regarding inaccurate credit reporting by Ally Financial related to an auto lease I co-signed for my father, XXXX XXXX. \n\nThe Ally Financial account number is XXXX. The lease ended and the vehicle was returned. A small charge for windshield damage was sent to XXXX ( XXXX XXXX ) for collections under account number XXXX. \n\nIn XX/XX/year>, XXXX confirmed in writing that the account was resolved after a {$930.00} payment was made toward a {$620.00} balance. Their letter dated XX/XX/year>, states : As of the date of this letter, our records indicate that your account is resolved. In the event that we are notified in the future that your payment was returned due to non-sufficient funds or was otherwise reversed or unpaid by your financial institution, this letter will be void. \n\nDespite this settlement and confirmation, Ally Financial continues to report the account as charged-off with a balance due to the credit bureaus. This incorrect reporting has remained for nearly XXXX years and has significantly harmed my credit score.\n\nI have filed multiple disputes with XXXX  and provided documentation, including the XXXX settlement letter and proof of payment, but Ally has not corrected the information. \n\nI am requesting that Ally Financial : Correct its reporting to show the account as Paid Settled with a {$0.00} balance, and Provide written confirmation that the account is resolved in full and that no further balance is owed. \n\nI have attached a copy of the XXXX letter.","date_sent_to_company":"2025-11-10T19:31:17.000Z","issue":"Attempts to collect debt not owed","sub_product":"Auto debt","zip_code":"91780","tags":null,"has_narrative":true,"complaint_id":"17141264","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2025-11-10T19:30:55.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["I <em>have</em> filed <em>multiple</em> <em>disputes</em> with XXXX  and provided documentation, including the XXXX settlement letter and proof of <em>payment</em>, but Ally has not corrected the information. \n\nI am requesting that Ally Financial : Correct its reporting to show the account as Paid Settled with a {$0.00} balance, and Provide written <em>confirmation</em> that the account is resolved in full and that no further balance is owed. \n\nI <em>have</em> attached a copy of the XXXX letter."]},"sort":[16.962088,"17141264"]},{"_index":"complaint-public-v1","_id":"19075051","_score":16.659071,"_source":{"product":"Credit card","complaint_what_happened":"I am submitting this complaint regarding an incorrectly assessed returned payment fee on my Citibank credit card account and Citibanks refusal to correct it after multiple escalations. \n\nCitibank charged a returned payment ( returned check ) fee even though the payment was received the same day it was submitted. I have documentation confirming same-day receipt of the funds. A payment that is received can not accurately be classified as returned. \n\nI contacted Citibank through online chat to dispute this fee and provided confirmation that the payment was received. During multiple escalations, Citibank representatives acknowledged that the payment was received but stated that the system showed the first attempt declined, and therefore the fee could not be waived. This explanation is contradictory : a returned payment would mean funds were not received, yet Citibank confirmed receipt of the funds. \n\nCitibank provided inconsistent explanations throughout the interaction, including : Initially stating the fee could not be waived because the first attempt declined Then stating the fee could not be addressed until the billing statement was generated Instructing me to wait until the fee posted before requesting removal After the fee posted, stating the system would not allow an override and that the fee was valid At no point did Citibank dispute that the payment was received. Instead, Citibank relied solely on an internal system designation rather than the actual transaction outcome. After following all instructions provided by Citibank and waiting for the fee to post, Citibank refused to reverse the charge, stating that the system would not allow it despite acknowledging the payment was received. \n\nI formally disputed the validity of the fee and requested review by the payments or billing disputes team. Citibank declined to correct the charge and stated that chat interactions do not generate case or reference numbers, leaving screenshots as the only record of the dispute. \n\nThis situation reflects a failure to correct an inaccurate fee after being presented with documentation and repeated escalation attempts. I am attaching screenshots of the full chat conversations and proof of payment showing same-day receipt. Citibank stated that when a payment is submitted, the bank may attempt to process the payment up to three times. If Citibank continues attempting to collect the payment and ultimately receives the funds, assessing a returned payment fee is misleading and unfair. A returned payment fee implies that the payment failed and funds were not received, which did not occur in this case. Charging a return fee while continuing to process and successfully collect the payment creates confusion and results in an inaccurate fee assessment. \n\nI am requesting CFPB assistance to ensure this fee is corrected and that my account accurately reflects the transaction.","date_sent_to_company":"2026-01-28T18:13:06.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"902XX","tags":null,"has_narrative":true,"complaint_id":"19075051","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-01-28T18:05:45.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["I am <em>submitting</em> this complaint regarding an incorrectly assessed returned <em>payment</em> fee on my Citibank credit card account and Citibanks refusal to correct it after <em>multiple</em> escalations. \n\nCitibank charged a returned <em>payment</em> ( returned check ) fee even though the <em>payment</em> was received the same day it was <em>submitted</em>. I <em>have</em> documentation confirming same-day receipt of the funds. A <em>payment</em> that is received can not accurately be classified as returned."]},"sort":[16.659071,"19075051"]},{"_index":"complaint-public-v1","_id":"3154048","_score":16.621567,"_source":{"product":"Checking or savings account","complaint_what_happened":"I entered a bill pay to send my credit card payment through Chase 's online bill pay. I entered the name of my credit card company, their address, and the amount of almost {$700.00}. I submitted the payment, but it never got to my credit card company. I called Chase and told them that the customer service rep that the payment never was received. They said that it was sent electronically, not by check. I told them that the payment was never received by my credit card company. Chase sent me a confirmation of payment and told me that I needed to contact my credit card company. I contacted my credit card company and they searched for the payment and had no record of that amount in any of their accounts. I called Chase back and asked to cancel the bill pay. The person told me that they couldn't because they got confirmation that it was received. I told them that it wasn't received and I wanted to cancel the transaction or dispute it. The person at Chase told me that I couldn't dispute it and that I had to work with my credit card company to find the payment. I told them that they can't find something that they never got. The Chase rep told me that they couldn't help and couldn't open a dispute for it. After spending several hours on the phone with Chase reps and reps from my credit card, I couldn't get any help. Finally I spoke to someone I know and they looked at the confirmation that Chase sent me. The trace number on the confirmation is supposed to start with the RDFI 's routing number. Looking it up, it doesn't match any bank. Even after speaking to someone at the Fed Reserve, the person confirmed that the trace number is wrong because the first part of it doesn't belong to any bank. After over a month of calling Chase multiple times, I was finally able to get someone to dispute the transaction. I still only have a temporary credit, despite this happening back on XX/XX/2018. There are so many things wrong with this situation. First, there is a Reg XXXX violation for Chase refusing to open a dispute regarding the transaction. Second, Chase is violating the NACHA rules for using an improper trace number. Lastly, there has to be a UDAAP violation for Chase taking customer 's money and not doing anything to get it back when it goes to no one. I have a friend who banks with Chase who recently had similar issues with Chase 's bill pay.","date_sent_to_company":"2019-02-16T05:37:33.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"92009","tags":null,"has_narrative":true,"complaint_id":"3154048","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2019-02-16T05:12:28.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem making or receiving payments"},"highlight":{"complaint_what_happened":["The trace number on the <em>confirmation</em> is supposed to start with the RDFI 's routing number. Looking it up, it doesn't match any bank. Even after speaking to someone at the Fed Reserve, the person <em>confirmed</em> that the trace number is wrong because the first part of it doesn't belong to any bank. After over a month of calling Chase <em>multiple</em> times, I was finally able to get someone to <em>dispute</em> the transaction. I still only <em>have</em> a temporary credit, despite this happening back on XX/XX/2018."]},"sort":[16.621567,"3154048"]},{"_index":"complaint-public-v1","_id":"20095749","_score":16.546778,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"I am filing this complaint due to Affirms refusal to properly apply a refund that was issued months ago. Despite providing clear documentation multiple times, Affirm continues to deny the dispute and attempt to collect money that has already been refunded to them. \n\nI made a purchase at XXXX XXXX totaling approximately {$110.00} using an Affirm one-time virtual card. I later returned one of the items, and XXXX XXXX processed a refund in the amount of {$26.00} back to the original payment method ( the Affirm card ). \n\nAffirm received this refund but has refused to apply the credit to my account and continues attempting to collect the same {$26.00} from me. This effectively means Affirm is attempting to be paid twice for the same portion of the transaction. \n\nI have now appealed this issue approximately five separate times and have submitted extensive documentation, including : The original purchase receipt The store return receipt showing the refund amount of {$26.00} Written confirmation from XXXX XXXX customer service verifying that the refund was processed Despite this clear evidence, Affirm repeatedly denies my dispute and states they are closing the case in XXXX XXXX favor. This statement is contradictory because XXXX XXXX already confirmed and processed the refund back to Affirm. The merchant fulfilled their obligation, and the funds were returned to Affirm. \n\nAt this point, Affirms refusal to apply the refund appears to be either gross negligence in handling consumer billing or an improper attempt to collect funds that were already returned to them. \n\n\nConsumers should not be forced to repeatedly prove a refund that has already been confirmed by the merchant. Affirm has had ample documentation and multiple opportunities to correct this error but has failed to do so.","date_sent_to_company":"2026-03-09T16:53:11.000Z","issue":"Problem with the payoff process at the end of the loan","sub_product":"Installment loan","zip_code":"33825","tags":null,"has_narrative":true,"complaint_id":"20095749","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Affirm Holdings, Inc","date_received":"2026-03-09T16:40:51.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I <em>have</em> now appealed this issue approximately five separate times and <em>have</em> <em>submitted</em> extensive documentation, including : The original purchase receipt The store return receipt showing the refund amount of {$26.00} Written <em>confirmation</em> from XXXX XXXX customer service verifying that the refund was processed Despite this clear evidence, Affirm repeatedly denies my <em>dispute</em> and states they are closing the case in XXXX XXXX favor."]},"sort":[16.546778,"20095749"]},{"_index":"complaint-public-v1","_id":"13520540","_score":16.511469,"_source":{"product":"Debt collection","complaint_what_happened":"I financed services through XXXX XXXX for a business called XXXX XXXX. That business filed for bankruptcy and shut down permanently, preventing me from receiving the services I paid for. I filed a formal dispute with XXXX in XX/XX/XXXX and was told the case would be reviewed within 60 days. \n\nI submitted all required documentation by XX/XX/XXXX, ahead of their XX/XX/XXXX deadline. This included proof of the business closure, appointment cancellations, and confirmation of incomplete services. Ive followed up several times via email and phone. Although XXXX support has confirmed that payments are paused and the case is in review, I have not received any resolution, final decision, or written confirmation. \n\nIt has now been over XXXX months with no update or resolution. I am requesting that XXXX cancel the remaining balance on my account, as I did not receive the full services I financed due to Body Details shutdown. \n\n\nI signed up for a XXXX laser hair removal plan with XXXX XXXX ( Option XXXX ) and paid for services I never received. The company suddenly shut down and filed Chapter XXXX bankruptcy, canceling all appointments. I still had future treatments scheduled ( including XXXX on XX/XX/XXXX ) and was never offered a refund. I submitted all required documentation to XXXX ( the financing provider ) in XX/XX/XXXX. Since then, I have followed up multiple times, but they have not provided a resolution, despite acknowledging receipt of my documents and pausing payments. \n\nAttached are my contract, appointment record, shutdown messages, bankruptcy court case info, and texts from their former employee","date_sent_to_company":"2025-05-15T00:40:20.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"33543","tags":null,"has_narrative":true,"complaint_id":"13520540","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CHERRY TECHNOLOGIES INC.","date_received":"2025-05-15T00:04:12.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["I <em>submitted</em> all required documentation to XXXX ( the financing provider ) in XX/XX/XXXX. Since then, I <em>have</em> followed up <em>multiple</em> times, but they <em>have</em> not provided a resolution, despite acknowledging receipt of my documents and pausing <em>payments</em>. \n\nAttached are my contract, appointment record, shutdown messages, bankruptcy court case info, and texts from their former employee"]},"sort":[16.511469,"13520540"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":505,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":505}]}},"product":{"doc_count":505,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":237,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":236},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Credit 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