{"took":130,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":12487,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"4757470","_score":11.83687,"_source":{"product":"Debt collection","complaint_what_happened":"The amounts that are said to be owed are incorrect. When moving out in XXXX  XX/XX/2015 I was in contact with the leasing office about what was owed. I paid all the arrears in XXXXXX/XX/2015 and only owed the prorated amount for XXXX. I also had a security deposit that was not given back and I am assuming was applied to the prorated amount that was owed. I do dispute the amount that is said to be owed and do not owe said amount. I have disputed the account several times and the incorrect amount has been lowered but is still not accurate. The collection account from Fair Collection & Outsourcing is showing an open status and balance which is incorrect.","date_sent_to_company":"2021-09-27T14:03:47.000Z","issue":"False statements or representation","sub_product":"Other debt","zip_code":"200XX","tags":"Servicemember","has_narrative":true,"complaint_id":"4757470","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FAIR COLLECTIONS & OUTSOURCING, INC.","date_received":"2021-09-27T13:07:27.000Z","state":"DC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["The amounts that are <em>said</em> to be <em>owed</em> are incorrect. When moving out in XXXX  XX/XX/2015 I was in contact with the leasing office about what was <em>owed</em>. I paid all the arrears in XXXXXX/XX/2015 and only <em>owed</em> the prorated amount for XXXX. I also had a security deposit that was not given back and I am assuming was applied to the prorated amount that was <em>owed</em>. I do <em>dispute</em> the amount that is <em>said</em> to be <em>owed</em> and do not <em>owe</em> <em>said</em> amount."]},"sort":[11.83687,"4757470"]},{"_index":"complaint-public-v1","_id":"4969290","_score":11.460775,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Based on the lawsuit filed on XX/XX/2019. Case XXXX the company is still failing to conduct reasonable investigations and reporting false/inaccurate information to the Credit Reporting Agencies. They never contacted me nor provided me with any accurate documentation of the alleged debt. \n\nThe amounts that are said to be owed are incorrect. I also had a security deposit that was not given back and I am assuming was applied to the prorated amount that was owed. I do dispute the amount that is said to be owed and do not owe said amount. I have disputed the account several times and the incorrect amount has been lowered but is still not accurate. The collection account from Fair Collection & Outsourcing is showing an open status and balance which is incorrect.","date_sent_to_company":"2021-12-02T19:48:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"200XX","tags":"Servicemember","has_narrative":true,"complaint_id":"4969290","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FAIR COLLECTIONS & OUTSOURCING, INC.","date_received":"2021-12-02T19:26:41.000Z","state":"DC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["The amounts that are <em>said</em> to be <em>owed</em> are incorrect. I also had a security deposit that was not given back and I am assuming was applied to the prorated amount that was <em>owed</em>. I do <em>dispute</em> the amount that is <em>said</em> to be <em>owed</em> and do not <em>owe</em> <em>said</em> amount. I have <em>disputed</em> the account several times and the incorrect amount has been lowered but is still not accurate. The collection account from Fair Collection & Outsourcing is showing an open status and balance which is incorrect."]},"sort":[11.460775,"4969290"]},{"_index":"complaint-public-v1","_id":"6970944","_score":11.311148,"_source":{"product":"Debt collection","complaint_what_happened":"Home Depot account was opened in my name and saying I owe them. I never opened a Recent account with them. I only have one Home Depot card and it is {$0.00} balance. I tried to dispute it with citi bank and they said its my fault I owe them and I told them. To close this account. I called XXXX and filed a dispute. They said I need to file a complaint with you. XX/XX/2023 card was opened and balance {$940.00} is owing.","date_sent_to_company":"2023-05-12T18:58:36.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"95843","tags":null,"has_narrative":true,"complaint_id":"6970944","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2023-05-12T18:43:53.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Home Depot account was opened in my name and saying I <em>owe</em> them. I never opened a Recent account with them. I only have one Home Depot card and it is {$0.00} balance. I tried to <em>dispute</em> it with citi bank and they <em>said</em> its my fault I <em>owe</em> them and I told them. To close this account. I called XXXX and filed a <em>dispute</em>. They <em>said</em> I need to file a complaint with you. XX/XX/2023 card was opened and balance {$940.00} is <em>owing</em>."],"issue":["Attempts to collect debt not <em>owed</em>"]},"sort":[11.311148,"6970944"]},{"_index":"complaint-public-v1","_id":"6971087","_score":11.288076,"_source":{"product":"Debt collection","complaint_what_happened":"Home Depot account was opened in my name and saying I owe them. I never opened a Recent account with them. I only have one Home Depot card and it is {$0.00} balance. I tried to dispute it with citi bank and they said its my fault I owe them and I told them. To close this account. I called XXXX and filed a dispute. They said I need to file a complaint with you. XX/XX/2023 card was opened and balance {$940.00} is owing.","date_sent_to_company":"2023-07-06T20:26:18.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"95843","tags":null,"has_narrative":true,"complaint_id":"6971087","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2023-05-12T18:58:40.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Home Depot account was opened in my name and saying I <em>owe</em> them. I never opened a Recent account with them. I only have one Home Depot card and it is {$0.00} balance. I tried to <em>dispute</em> it with citi bank and they <em>said</em> its my fault I <em>owe</em> them and I told them. To close this account. I called XXXX and filed a <em>dispute</em>. They <em>said</em> I need to file a complaint with you. XX/XX/2023 card was opened and balance {$940.00} is <em>owing</em>."],"issue":["Attempts to collect debt not <em>owed</em>"]},"sort":[11.288076,"6971087"]},{"_index":"complaint-public-v1","_id":"9131163","_score":11.283136,"_source":{"product":"Debt collection","complaint_what_happened":"Received phone call XX/XX/XXXX at XXXX rep didn't identify herself until a few minutes in the conversation as a debt collector and stated I had an unpaid XXXX account from XXXX and gave the XXXX  name but not the practice or facility She gave the dollar amount and said I didn't owe anything from my XXXX from XXXX and had not received any phone calls or statements from them she pressured me to pay and that I owed. I said I will call the office to verify this information a manger stepped in the call and was trying to force me to pay and to call the office with them on the line I said no. And he said it didn't matter I owed the debt and they verified it as owed. I hung up on this individual as he's in violation of my XXXX rights to be on the phone with my XXXX office as it is a medical practice I do not want them knowing my medical records information. Never once where my rights to dispute this where given I was being aggressively pushed to pay and my rights where being violated by this individual when I said I didn't owe it and I wanted to dispute this with the XXXX  office to verify this was not a scam as they where being aggressive and to make sure this was correct information I do not owe. The company name is synergetic communications inc phone number they called on was XXXX and dollar amount they wanted was XXXX with interest. The call was monitored and recorded they said as well.","date_sent_to_company":"2024-05-31T05:50:03.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"620XX","tags":null,"has_narrative":true,"complaint_id":"9131163","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Synergetic Communication Inc","date_received":"2024-05-31T05:16:05.000Z","state":"IL","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Never once where my rights to <em>dispute</em> this where given I was being aggressively pushed to pay and my rights where being violated by this individual when I <em>said</em> I didn't <em>owe</em> it and I wanted to <em>dispute</em> this with the XXXX  office to verify this was not a scam as they where being aggressive and to make sure this was correct information I do not <em>owe</em>. The company name is synergetic communications inc phone number they called on was XXXX and dollar amount they wanted was XXXX with interest."],"sub_issue":["Didn't receive notice of right to <em>dispute</em>"]},"sort":[11.283136,"9131163"]},{"_index":"complaint-public-v1","_id":"11634261","_score":11.241407,"_source":{"product":"Debt collection","complaint_what_happened":"This company said I owed XXXX XXXX for an account that I closed a year and half ago. \ni contacted XXXXXXXX  and they tell me no money was owed and no records. \nI was being chared XXXX XXXX XXXX on a auto pay credit card and when I called to ask them why they said i wasnt them and had no record of any debt owed and suggested I report it as fraud and checked with another deptment in XXXX who stated the same thing. \nthey said there was no debt owed and report it as fraud. i got a letter from a collection agency that said I owed XXXX and I asket them to dispute this and they didnt and just put it upon my credit report without giving me any chance to validate who they are or if this is legit and what its for. I have worked very hard for credit and this just detroyed my rating and canceled one of my credit lines and lowed the limit on others. thia is wrong. \n\nSend any written disputes to us at : Credence Resource Management , LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-01-21T20:31:09.000Z","issue":"Written notification about debt","sub_product":"Telecommunications debt","zip_code":"33487","tags":null,"has_narrative":true,"complaint_id":"11634261","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Kriya Capital, LLC","date_received":"2025-01-18T22:53:01.000Z","state":"FL","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["they <em>said</em> there was no debt <em>owed</em> and report it as fraud. i got a letter from a collection agency that <em>said</em> I <em>owed</em> XXXX and I asket them to <em>dispute</em> this and they didnt and just put it upon my credit report without giving me any chance to validate who they are or if this is legit and what its for. I have worked very hard for credit and this just detroyed my rating and canceled one of my credit lines and lowed the limit on others. thia is wrong."]},"sort":[11.241407,"11634261"]},{"_index":"complaint-public-v1","_id":"2015654","_score":11.147755,"_source":{"product":"Debt collection","complaint_what_happened":"I asked for balance of payoff and paid the amount company said I owed. I received a letter confirming payoff but two months later was notified that I still owed a payment. I disputed the amount owed both by phone calls and by registered mail. My only response for two years has been that I owe the \" last '' payment. They have now turned me over to collections. \nIf I agree to last payment they said I still would owe hundreds of dollars in fees and interest. \nWhat is my recourse?","date_sent_to_company":"2016-07-16T04:38:13.000Z","issue":"Cont'd attempts collect debt not owed","sub_product":"Auto","zip_code":"397XX","tags":null,"has_narrative":true,"complaint_id":"2015654","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2016-07-16T04:38:12.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not mine"},"highlight":{"complaint_what_happened":["I asked for balance of payoff and paid the amount company <em>said</em> I <em>owed</em>. I received a letter confirming payoff but two months later was notified that I still <em>owed</em> a payment. I <em>disputed</em> the amount <em>owed</em> both by phone calls and by registered mail. My only response for two years has been that I <em>owe</em> the \" last '' payment. They have now turned me over to collections. \nIf I agree to last payment they <em>said</em> I still would <em>owe</em> hundreds of dollars in fees and interest. \nWhat is my recourse?"],"issue":["Cont'd attempts collect debt not <em>owed</em>"]},"sort":[11.147755,"2015654"]},{"_index":"complaint-public-v1","_id":"10470577","_score":11.147151,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I submitted a dispute online attached with documentation proof of me not owing a medical debt they simply spoke with the creditor and said everything was correct. I then called and disputed 3x all 3 said the same thing. Then they tell me its better if I mail in documents to prove I dont owe to money, a week and a half has gone by and they keep saying their back office hast received it yet.","date_sent_to_company":"2024-10-17T02:34:46.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33161","tags":null,"has_narrative":true,"complaint_id":"10470577","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-17T02:34:38.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I submitted a <em>dispute</em> online attached with documentation proof of me not <em>owing</em> a medical debt they simply spoke with the creditor and <em>said</em> everything was correct. I then called and <em>disputed</em> 3x all 3 <em>said</em> the same thing. Then they tell me its better if I mail in documents to prove I dont <em>owe</em> to money, a week and a half has gone by and they keep saying their back office hast received it yet."]},"sort":[11.147151,"10470577"]},{"_index":"complaint-public-v1","_id":"10469822","_score":11.147151,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I submitted a dispute online attached with documentation proof of me not owing a medical debt they simply spoke with the creditor and said everything was correct. I then called and disputed 3x all 3 said the same thing. Then they tell me its better if I mail in documents to prove I dont owe to money, a week and a half has gone by and they keep saying their back office hast received it yet.","date_sent_to_company":"2024-10-17T02:34:30.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33161","tags":null,"has_narrative":true,"complaint_id":"10469822","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-17T02:24:54.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I submitted a <em>dispute</em> online attached with documentation proof of me not <em>owing</em> a medical debt they simply spoke with the creditor and <em>said</em> everything was correct. I then called and <em>disputed</em> 3x all 3 <em>said</em> the same thing. Then they tell me its better if I mail in documents to prove I dont <em>owe</em> to money, a week and a half has gone by and they keep saying their back office hast received it yet."]},"sort":[11.147151,"10469822"]},{"_index":"complaint-public-v1","_id":"10470575","_score":11.146086,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I submitted a dispute online attached with documentation proof of me not owing a medical debt they simply spoke with the creditor and said everything was correct. I then called and disputed 3x all 3 said the same thing. Then they tell me its better if I mail in documents to prove I dont owe to money, a week and a half has gone by and they keep saying their back office hast received it yet.","date_sent_to_company":"2024-10-17T02:34:46.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33161","tags":null,"has_narrative":true,"complaint_id":"10470575","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-17T02:34:38.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I submitted a <em>dispute</em> online attached with documentation proof of me not <em>owing</em> a medical debt they simply spoke with the creditor and <em>said</em> everything was correct. I then called and <em>disputed</em> 3x all 3 <em>said</em> the same thing. Then they tell me its better if I mail in documents to prove I dont <em>owe</em> to money, a week and a half has gone by and they keep saying their back office hast received it yet."]},"sort":[11.146086,"10470575"]},{"_index":"complaint-public-v1","_id":"3734167","_score":11.129175,"_source":{"product":"Debt collection","complaint_what_happened":"I have a degratory mark on my credit. I received a letter said I owe XXXX for medical bill. I do not recall and do not owe them money. I contacted them, a girl said a doctor put my name on their system so they charged me. I asked for the doctor she said they dont know. I asked her to dispute it, she said she will and I told her I know this is a scam. I do not owe any medical bill. If I ever did I already paid for them. And this letter is go green something. I looked it up it is a scam.","date_sent_to_company":"2020-07-16T19:08:15.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"95121","tags":null,"has_narrative":true,"complaint_id":"3734167","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CCS Financial Services, Inc.","date_received":"2020-07-07T06:38:05.000Z","state":"CA","company_public_response":"Company believes the complaint is the result of a misunderstanding","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I received a letter <em>said</em> I <em>owe</em> XXXX for medical bill. I do not recall and do not <em>owe</em> them money. I contacted them, a girl <em>said</em> a doctor put my name on their system so they charged me. I asked for the doctor she <em>said</em> they dont know. I asked her to <em>dispute</em> it, she <em>said</em> she will and I told her I know this is a scam. I do not <em>owe</em> any medical bill. If I ever did I already paid for them. And this letter is go green something. I looked it up it is a scam."],"issue":["Attempts to collect debt not <em>owed</em>"]},"sort":[11.129175,"3734167"]},{"_index":"complaint-public-v1","_id":"3083953","_score":11.122631,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX is reporting inaccurate information such balance owed, and charge off date and date the account was officially opened!! Also the {$490.00} balance is not what was owed when they said this account was charged off!! This information is inaccurate and I want documents bearing my signature showing I owe this debt to XXXX XXXX! I keep disputing and Experian, XXXX, XXXX  saids that things were updated non related to my dispute!! I Demand documents bearing my signature showing I owe XXXX XXXX this debt!! I have sent out certified letters to them and I received itemized bill! you will not fool me with itemized bills!!","date_sent_to_company":"2018-11-27T05:52:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"368XX","tags":null,"has_narrative":true,"complaint_id":"3083953","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-11-27T05:52:53.000Z","state":"AL","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":["XXXX XXXX XXXX is reporting inaccurate information such balance <em>owed</em>, and charge off date and date the account was officially opened!! Also the {$490.00} balance is not what was <em>owed</em> when they <em>said</em> this account was charged off!! This information is inaccurate and I want documents bearing my signature showing I <em>owe</em> this debt to XXXX XXXX! I keep <em>disputing</em> and Experian, XXXX, XXXX  <em>saids</em> that things were updated non related to my <em>dispute</em>!!"]},"sort":[11.122631,"3083953"]},{"_index":"complaint-public-v1","_id":"3084154","_score":11.118955,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Portfolio Recovery Associates is reporting inaccurate information such balance owed, and charge off date and date the account was officially opened!! Also the {$490.00} balance is not what was owed when they said this account was charged off!! This information is inaccurate and I want documents bearing my signature showing I owe this debt to Portfolio Recovery! I keep disputing and XXXX, XXXX, XXXX saids that things were updated non related to my dispute!! I Demand documents bearing my signature showing I owe Portfolio Recovery this debt!! I have sent out certified letters to them and I received itemized bill! you will not fool me with itemized bills!!","date_sent_to_company":"2018-11-27T05:52:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"368XX","tags":null,"has_narrative":true,"complaint_id":"3084154","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2018-11-27T05:27:10.000Z","state":"AL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Portfolio Recovery Associates is reporting inaccurate information such balance <em>owed</em>, and charge off date and date the account was officially opened!! Also the {$490.00} balance is not what was <em>owed</em> when they <em>said</em> this account was charged off!! This information is inaccurate and I want documents bearing my signature showing I <em>owe</em> this debt to Portfolio Recovery! I keep <em>disputing</em> and XXXX, XXXX, XXXX <em>saids</em> that things were updated non related to my <em>dispute</em>!!"]},"sort":[11.118955,"3084154"]},{"_index":"complaint-public-v1","_id":"3083950","_score":11.118955,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX is reporting inaccurate information such balance owed, and charge off date and date the account was officially opened!! Also the {$490.00} balance is not what was owed when they said this account was charged off!! This information is inaccurate and I want documents bearing my signature showing I owe this debt to XXXX XXXX! I keep disputing and XXXX, XXXX, Equifax saids that things were updated non related to my dispute!! I Demand documents bearing my signature showing I owe XXXX XXXX this debt!! I have sent out certified letters to them and I received itemized bill! you will not fool me with itemized bills!!","date_sent_to_company":"2018-11-27T05:52:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"368XX","tags":null,"has_narrative":true,"complaint_id":"3083950","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-11-27T05:52:53.000Z","state":"AL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX is reporting inaccurate information such balance <em>owed</em>, and charge off date and date the account was officially opened!! Also the {$490.00} balance is not what was <em>owed</em> when they <em>said</em> this account was charged off!! This information is inaccurate and I want documents bearing my signature showing I <em>owe</em> this debt to XXXX XXXX! I keep <em>disputing</em> and XXXX, XXXX, Equifax <em>saids</em> that things were updated non related to my <em>dispute</em>!!"]},"sort":[11.118955,"3083950"]},{"_index":"complaint-public-v1","_id":"10749426","_score":11.059052,"_source":{"product":"Checking or savings account","complaint_what_happened":"I disputed a transaction with Navy Federal Credit Union. My account have never been XXXX or more in overdraft. I called but my entire check was paying back fees an agent said I owed for credits that I received through transactions or disputes they said I made which was not true. Only disputed one transaction and all my transactions from months prior were disputed. Cell phone insurance everything. It all hit at one time causing me great confusion and despair. I went back and forth with them which no resolution. I changed my direct deposit but did not close account they and still say I owe XXXX after 2 or 3 checks was token from me and payments that were up to date owed.","date_sent_to_company":"2024-11-10T16:50:28.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"622XX","tags":"Servicemember","has_narrative":true,"complaint_id":"10749426","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2024-11-10T16:25:50.000Z","state":"IL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["I <em>disputed</em> a transaction with Navy Federal Credit Union. My account have never been XXXX or more in overdraft. I called but my entire check was paying back fees an agent <em>said</em> I <em>owed</em> for credits that I received through transactions or <em>disputes</em> they <em>said</em> I made which was not true. Only <em>disputed</em> one transaction and all my transactions from months prior were <em>disputed</em>. Cell phone insurance everything. It all hit at one time causing me great confusion and despair."]},"sort":[11.059052,"10749426"]},{"_index":"complaint-public-v1","_id":"6266858","_score":10.973152,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/2022 I sent a letter to Transworld Systems Inc. asking that they send me written verification that I owed them a debt that they claim I owe. I asked for a written signature that said that I owed them the amount they said that I owed. \n\nOn XX/XX/2022 I received a letter from Transworld Systems with a letter stated that they had reported my debt as \" in dispute '' to the credit reporting agencies. Furthermore they failed to provide me with the proper documentation that I asked for instead I was provided with a lease agreement from who they are claiming is the original creditor this is not proper validation nor what I outlined in my dispute letter. Lastly they have refused to remove the item from my credit report.","date_sent_to_company":"2022-12-01T21:13:16.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"23832","tags":null,"has_narrative":true,"complaint_id":"6266858","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSWORLD SYSTEMS INC","date_received":"2022-12-01T20:59:01.000Z","state":"VA","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["On XX/XX/2022 I sent a letter to Transworld Systems Inc. asking that they send me written verification that I <em>owed</em> them a debt that they claim I <em>owe</em>. I asked for a written signature that <em>said</em> that I <em>owed</em> them the amount they <em>said</em> that I <em>owed</em>. \n\nOn XX/XX/2022 I received a letter from Transworld Systems with a letter stated that they had reported my debt as \" in <em>dispute</em> '' to the credit reporting agencies."]},"sort":[10.973152,"6266858"]},{"_index":"complaint-public-v1","_id":"3879816","_score":10.9531765,"_source":{"product":"Debt collection","complaint_what_happened":"I received a phone call from a woman who said she works for Portfolio Recovery Services. She identified me by my name and birth date and stated she was attempting to collect a debt. I informed her that I don't have any outstanding debts and that I was immediately disputing whatever the company thinks is owed. The woman then went on a long monologue about how items can affect my credit, etc. and asked me again if I was disputing the debt, to which I said, \" Yes, I'm disputing this! '' I told her again that I don't owe any companies any money and that I have no outstanding collections. \n\nI then asked her what debt it is that they claim I owe, and the woman said it was for an account at XXXX XXXX. I informed her that I have never had any type of credit card or store credit from XXXX XXXX. I then asked her when the debt was supposedly charged and she said XXXX! After this statement I said \" You've got to be kidding me! '' and I disconnected the call. \n\nThe woman called me from XXXX at XXXX XXXX EST on XX/XX/XXXX.","date_sent_to_company":"2020-10-03T23:56:22.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"20170","tags":null,"has_narrative":true,"complaint_id":"3879816","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2020-10-03T21:01:13.000Z","state":"VA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I received a phone call from a woman who <em>said</em> she works for Portfolio Recovery Services. She identified me by my name and birth date and stated she was attempting to collect a debt. I informed her that I don't have any outstanding debts and that I was immediately <em>disputing</em> whatever the company thinks is <em>owed</em>. The woman then went on a long monologue about how items can affect my credit, etc. and asked me again if I was <em>disputing</em> the debt, to which I <em>said</em>, \" Yes, I'm <em>disputing</em> this!"],"issue":["Attempts to collect debt not <em>owed</em>"]},"sort":[10.9531765,"3879816"]},{"_index":"complaint-public-v1","_id":"8366084","_score":10.933419,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This company has reported false information for months. I tried to dispute the actions with XXXX a couple months ago and they said the information was correct. Which on the report it says I owe over XXXX dollars and they repossessed the car & on the companies site it said I owed a little over XXXX dollars, now it says I owe {$5600.00}. I disputed them on XXXX and XXXX and the account was deleted. I explained that to XXXX and they continue to report false information & wont allow me to dispute it again. Under code 1681 B permissible purposes of consumer reports. I havent given written consent for XXXX XXXX or XXXX to report anything negative on my credit report. Please delete XXXX XXXX & XXXX XXXX off of my credit report. I do not have any current contracts with either company for the amounts that are supposedly owed.","date_sent_to_company":"2024-02-17T21:37:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60624","tags":null,"has_narrative":true,"complaint_id":"8366084","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2024-02-17T21:02:01.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I tried to <em>dispute</em> the actions with XXXX a couple months ago and they <em>said</em> the information was correct. Which on the report it says I <em>owe</em> over XXXX dollars and they repossessed the car & on the companies site it <em>said</em> I <em>owed</em> a little over XXXX dollars, now it says I <em>owe</em> {$5600.00}. I <em>disputed</em> them on XXXX and XXXX and the account was deleted. I explained that to XXXX and they continue to report false information & wont allow me to <em>dispute</em> it again."]},"sort":[10.933419,"8366084"]},{"_index":"complaint-public-v1","_id":"8366030","_score":10.933043,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This company has reported false information for months. I tried to dispute the actions with XXXX a couple months ago and they said the information was correct. Which on the report it says I owe over XXXX dollars and they repossessed the car & on the companies site it said I owed a little over XXXX dollars, now it says I owe {$5600.00}. I disputed them on XXXX and XXXX and the account was deleted. I explained that to XXXX and they continue to report false information & wont allow me to dispute it again. Under code 1681 B permissible purposes of consumer reports. I havent given written consent for XXXX XXXX or XXXX to report anything negative on my credit report. Please delete XXXX XXXX & global lending off of my credit report. I do not have any current contracts with either company for the amounts that are supposedly owed.","date_sent_to_company":"2024-02-17T21:37:13.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60624","tags":null,"has_narrative":true,"complaint_id":"8366030","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Global Lending Services LLC","date_received":"2024-02-17T21:37:11.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I tried to <em>dispute</em> the actions with XXXX a couple months ago and they <em>said</em> the information was correct. Which on the report it says I <em>owe</em> over XXXX dollars and they repossessed the car & on the companies site it <em>said</em> I <em>owed</em> a little over XXXX dollars, now it says I <em>owe</em> {$5600.00}. I <em>disputed</em> them on XXXX and XXXX and the account was deleted. I explained that to XXXX and they continue to report false information & wont allow me to <em>dispute</em> it again."]},"sort":[10.933043,"8366030"]},{"_index":"complaint-public-v1","_id":"8366029","_score":10.933043,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This company has reported false information for months. I tried to dispute the actions with Experian a couple months ago and they said the information was correct. Which on the report it says I owe over XXXX dollars and they repossessed the car & on the companies site it said I owed a little over XXXX dollars, now it says I owe {$5600.00}. I disputed them on XXXX and XXXX and the account was deleted. I explained that to Experian and they continue to report false information & wont allow me to dispute it again. Under code 1681 B permissible purposes of consumer reports. I havent given written consent for XXXX XXXX or Experian to report anything negative on my credit report. Please delete XXXX XXXX & XXXX XXXX off of my credit report. I do not have any current contracts with either company for the amounts that are supposedly owed.","date_sent_to_company":"2024-02-17T21:37:13.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60624","tags":null,"has_narrative":true,"complaint_id":"8366029","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-02-17T21:37:11.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I tried to <em>dispute</em> the actions with Experian a couple months ago and they <em>said</em> the information was correct. Which on the report it says I <em>owe</em> over XXXX dollars and they repossessed the car & on the companies site it <em>said</em> I <em>owed</em> a little over XXXX dollars, now it says I <em>owe</em> {$5600.00}. I <em>disputed</em> them on XXXX and XXXX and the account was deleted. I explained that to Experian and they continue to report false information & wont allow me to <em>dispute</em> it again."]},"sort":[10.933043,"8366029"]},{"_index":"complaint-public-v1","_id":"6661564","_score":10.902773,"_source":{"product":"Debt collection","complaint_what_happened":"I was notified by Midland Credit management of a debt owed. I mailed out a debt validation letter seeking I owed such debt to this collection agency. Midland Credit Management responded with account summaries and a letter from said original creditor XXXX. I also sent dispute notice to all three credit bureaus and only XXXX has responded to my dispute in which they said it has been verified. The information sent to me has not been enough to validate this as my debt.","date_sent_to_company":"2023-03-07T16:10:13.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"77583","tags":null,"has_narrative":true,"complaint_id":"6661564","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2023-03-07T15:31:31.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I was notified by Midland Credit management of a debt <em>owed</em>. I mailed out a debt validation letter seeking I <em>owed</em> such debt to this collection agency. Midland Credit Management responded with account summaries and a letter from <em>said</em> original creditor XXXX. I also sent <em>dispute</em> notice to all three credit bureaus and only XXXX has responded to my <em>dispute</em> in which they <em>said</em> it has been verified. The information sent to me has not been enough to validate this as my debt."],"issue":["Attempts to collect debt not <em>owed</em>"]},"sort":[10.902773,"6661564"]},{"_index":"complaint-public-v1","_id":"6662198","_score":10.902566,"_source":{"product":"Debt collection","complaint_what_happened":"I was notified by XXXX XXXXXXXX XXXX  of a debt owed. I mailed out a debt validation letter seeking I owed such debt to this collection agency. XXXX XXXX XXXX responded with account summaries and a letter from said original creditor JCPENNY. I also sent dispute notice to all three credit bureaus and only XXXX has responded to my dispute in which they said it has been verified. The information sent to me has not been enough to validate this as my debt.","date_sent_to_company":"2023-03-07T16:10:21.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"77583","tags":null,"has_narrative":true,"complaint_id":"6662198","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2023-03-07T16:10:18.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I was notified by XXXX XXXXXXXX XXXX  of a debt <em>owed</em>. I mailed out a debt validation letter seeking I <em>owed</em> such debt to this collection agency. XXXX XXXX XXXX responded with account summaries and a letter from <em>said</em> original creditor JCPENNY. I also sent <em>dispute</em> notice to all three credit bureaus and only XXXX has responded to my <em>dispute</em> in which they <em>said</em> it has been verified. The information sent to me has not been enough to validate this as my debt."],"issue":["Attempts to collect debt not <em>owed</em>"]},"sort":[10.902566,"6662198"]},{"_index":"complaint-public-v1","_id":"4131895","_score":10.897397,"_source":{"product":"Debt collection","complaint_what_happened":"The bank said I overdrawn and I disagreed because credits should been on my account so I disputed charges to M & TBank. The bank said that they disputed and the creditors Declined, For any credits : so I disagree And did the disputed myself. XXXX XXXX return {$290.00} : XXXX XXXX agreed that they owned me money because That charged me on a contract they I cancel I went to the car wash place to pick the money up but since I told them I disputed with the bank they refuse to give me my money and said I was trying to collect twice. \n\nI do not owe this bank any money Im asking the bank to investigate and take me out of the credit and pay me the money they owe me for over a two years.","date_sent_to_company":"2021-02-11T08:59:11.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"19977","tags":null,"has_narrative":true,"complaint_id":"4131895","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"M&T BANK CORPORATION","date_received":"2021-02-11T02:21:52.000Z","state":"DE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["The bank <em>said</em> I overdrawn and I disagreed because credits should been on my account so I <em>disputed</em> charges to M & TBank. The bank <em>said</em> that they <em>disputed</em> and the creditors Declined, For any credits : so I disagree And did the <em>disputed</em> myself."],"issue":["Attempts to collect debt not <em>owed</em>"]},"sort":[10.897397,"4131895"]},{"_index":"complaint-public-v1","_id":"5903682","_score":10.892325,"_source":{"product":"Debt collection","complaint_what_happened":"received letter today monday XX/XX/XXXX of 2022 and reference number XXXX where the letter said i had account with XXXX XXXX bank as XX/XX/2022 i owed the amount of $ XXXXtill now said i owed same amount of $ XXXXand i like to dispute this is not me may bellongs another person on this house","date_sent_to_company":"2022-08-23T01:18:52.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"80229","tags":null,"has_narrative":true,"complaint_id":"5903682","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"CONTRACT CALLERS INC","date_received":"2022-08-23T01:08:23.000Z","state":"CO","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["received letter today monday XX/XX/XXXX of 2022 and reference number XXXX where the letter <em>said</em> i had account with XXXX XXXX bank as XX/XX/2022 i <em>owed</em> the amount of $ XXXXtill now <em>said</em> i <em>owed</em> same amount of $ XXXXand i like to <em>dispute</em> this is not me may bellongs another person on this house"],"sub_issue":["Didn't receive notice of right to <em>dispute</em>"]},"sort":[10.892325,"5903682"]},{"_index":"complaint-public-v1","_id":"3663350","_score":10.853,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am disputing inacurrate information on my credit report and I submitted 3 disputes to XXXX. I do not believe that my legal right to dispute by mail was handled properly. I was sent a letter that said my dispute was suspicious. How is a dispute about inaccurate information that has my ssn on it suspicious? The letter also said it would not investigate anymore of my disputes that look suspicious. There is nothing about my dispute that was suspicious and I was requested to call or dispite on lineand I don't want to do that. \n\nThe accounts I disputed was : Credence Resource Management- XXXX- I don't owe these people XXXX XXXX XXXX- I don't owe these people XXXX XXXX XXXX- Inaccurate payment history","date_sent_to_company":"2020-05-21T23:23:33.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48047","tags":null,"has_narrative":true,"complaint_id":"3663350","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Kriya Capital, LLC","date_received":"2020-05-21T23:23:30.000Z","state":"MI","company_public_response":null,"sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["I am <em>disputing</em> inacurrate information on my credit report and I submitted 3 <em>disputes</em> to XXXX. I do not believe that my legal right to <em>dispute</em> by mail was handled properly. I was sent a letter that <em>said</em> my <em>dispute</em> was suspicious. How is a <em>dispute</em> about inaccurate information that has my ssn on it suspicious? The letter also <em>said</em> it would not investigate anymore of my <em>disputes</em> that look suspicious."],"sub_issue":["Difficulty submitting a <em>dispute</em> or getting information about a <em>dispute</em> over the phone"]},"sort":[10.853,"3663350"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":12487,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":12487}]}},"product":{"doc_count":12487,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt collection","doc_count":5368,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other debt","doc_count":1527},{"key":"I do not know","doc_count":934},{"key":"Credit card debt","doc_count":840},{"key":"Medical debt","doc_count":701},{"key":"Rental debt","doc_count":289},{"key":"Other (i.e. phone, health club, etc.)","doc_count":266},{"key":"Telecommunications 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