{"took":77,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":3692,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2840980","_score":13.887549,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX is reporting a medical collection account that I have disputed with the original provider and told XXXX that I was in dispute. I had insurance, the provider received authorization from the insurance company and the provider never billed the insurance. When XXXX contacted me I told them I was in dispute with the original provider and they still reported it to the agencies but did not send me anything to verify the debt even though I asked for it. They continue to ignore my requests to verify the debt yet they also report this unverified debt. This needs to go back to the provider so I can take care of this. This is in direct violation of the Fair Debt Collection Practices Act ( Federal and California ).","date_sent_to_company":"2018-03-13T04:37:25.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"90601","tags":null,"has_narrative":true,"complaint_id":"2840980","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIDELITY CAPITAL HOLDINGS, INC","date_received":"2018-03-13T00:30:00.000Z","state":"CA","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX is reporting a medical collection account that I have <em>disputed</em> with the original <em>provider</em> and told XXXX that I was in <em>dispute</em>. I had insurance, the <em>provider</em> received authorization from the insurance company and the <em>provider</em> never billed the insurance. When XXXX contacted me I told <em>them</em> I was in <em>dispute</em> with the original <em>provider</em> and they still reported it to the agencies but did not send me anything to verify the debt even though I asked for it."],"company_public_response":["Company <em>disputes</em> the facts presented in the complaint"]},"sort":[13.887549,"2840980"]},{"_index":"complaint-public-v1","_id":"5116651","_score":13.451524,"_source":{"product":"Debt collection","complaint_what_happened":"This debt is invalid. The account was put on hold with the medical service provider while the provider reviews the account with the health insurance provider. I have spoken with the business office for the service provider ( XXXX / XXXX XXXX ) and they have confirmed that no account in my name has been sent to a debt collector. I have repeatedly advised the debt collector that the debt they seek to collect is invalid, disputed the collection, requested proof of the debt based on their information and asked them to stop calling. They continue to call.","date_sent_to_company":"2022-01-17T16:58:59.000Z","issue":"Communication tactics","sub_product":"Medical debt","zip_code":"286XX","tags":null,"has_narrative":true,"complaint_id":"5116651","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Jon Barry and Associates, Inc.","date_received":"2022-01-17T16:47:51.000Z","state":"NC","company_public_response":null,"sub_issue":"You told them to stop contacting you, but they keep trying"},"highlight":{"complaint_what_happened":["I have repeatedly advised the debt collector that the debt they seek to collect is invalid, <em>disputed</em> the collection, requested proof of the debt based on their information and asked <em>them</em> to stop calling. They continue to call."],"sub_issue":["You told <em>them</em> to stop contacting you, but they keep trying"]},"sort":[13.451524,"5116651"]},{"_index":"complaint-public-v1","_id":"6219365","_score":13.354356,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/2022 I used my Care Credit account to pay {$500.00} XXXX XXXX XXXX of a {$700.00} medical bill.I called the provider ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX because I saw on my online bill that I still owed {$700.00}. I was told that they never received a Care Credit payment on my behalf and that I need to call Synchrony Bank ( XXXX believe they make the payment to the providers ). I called Synchrony and was then informed that payment are none of my concern and that the provider need to called them to handle it. I relayed this info to the provider and they called Synchrony and was told that there was not payment on my account although I saw that there was ( and still is ) a {$500.00} payment. So the provider told me to wait. Fast foward to today ( XX/XX/XXXX ) I called the provider again and was told that they still haven't received a payment and that I should call Synchrony again to see what was wrong. I called them and was told yet again that payment issue are none of my concern and that I could not dispute the payment because it isn't an error on their end. They ( Synchrony ) wanted me to have my provider call them","date_sent_to_company":"2022-11-19T01:18:23.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"94603","tags":null,"has_narrative":true,"complaint_id":"6219365","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2022-11-19T00:09:31.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Fast foward to today ( XX/XX/XXXX ) I called the <em>provider</em> again and was told that they still haven't received a payment and that I should call Synchrony again to see what was wrong. I called <em>them</em> and was told yet again that payment issue are none of my concern and that I could not <em>dispute</em> the payment because it isn't an error on their end. They ( Synchrony ) wanted me to have my <em>provider</em> call <em>them</em>"],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[13.354356,"6219365"]},{"_index":"complaint-public-v1","_id":"4335878","_score":13.287599,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have sent information, asking for how Transunion got the the information they report on my credit report. The public records they report on me is not accurate and they say it is based on their investigation by letting a 3rd party investigate. The person obtaining the information is required to contact the provider of the information. The company is not following fcra rules of contacting the provider, because the provider wrote me a letter saying that no information was given to a credit reporting agency about a disputed error. They wrote a letter to me stating this in wich I will attach to this complaint. I have tried several times to get them to provide me with the company providing the information so I can dispute properly. Transunion is required to put the provider of information on the report so I am able to contact them with my concerns and they are required to provide me with their method of verification and they refuse to provide that. They only send information they have that is basically a computer generated procedure on answering a dispute It see.s like they are purposely discrinating my report and forgetting that laws are in place to allow me to ask for everything that I am asking for in a attached letter.","date_sent_to_company":"2021-04-28T04:17:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"31093","tags":null,"has_narrative":true,"complaint_id":"4335878","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-04-28T03:46:41.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["The person obtaining the information is required to contact the <em>provider</em> of the information. The company is not following fcra rules of contacting the <em>provider</em>, because the <em>provider</em> wrote me a letter saying that no information was given to a credit reporting agency about a <em>disputed</em> error. They wrote a letter to me stating this in wich I will attach to this complaint. I have tried several times to get <em>them</em> to provide me with the company providing the information so I can <em>dispute</em> properly."]},"sort":[13.287599,"4335878"]},{"_index":"complaint-public-v1","_id":"18267214","_score":13.213701,"_source":{"product":"Debt collection","complaint_what_happened":"I am disputing a medical debt that was improperly sent to collections. \n\nThe medical procedure was performed with active employer-provided health insurance. The provider was in-network, and I paid my deductible in full at the time of service based on the providers confirmation that all remaining charges would be covered by insurance. \n\nAfter insurance paid approximately {$38000.00} for the procedure, the provider attempted to bill me separately for additional charges, including XXXX. I did not agree to any separate or additional charges. This is a balance billing issue. \n\nDespite disputing this directly with the provider and informing them that insurance was active and the deductible was paid, the account was sent to collections. \n\nUnder the Fair Debt Collection Practices Act ( FDCPA ) and the No Surprises Act, I am not responsible for balance billing for in-network services, including anesthesia related to the procedure. \n\nI am requesting : Immediate cessation of collection activity Verification of the debt Confirmation that this account will not be reported to credit bureaus Resolution with the provider and my insurance company This debt is not valid and is formally disputed.","date_sent_to_company":"2025-12-24T03:43:43.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"33179","tags":null,"has_narrative":true,"complaint_id":"18267214","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Cascade CISS Holdings, LLC","date_received":"2025-12-24T03:26:47.000Z","state":"FL","company_public_response":null,"sub_issue":"Notification didn't disclose it was an attempt to collect a debt"},"highlight":{"complaint_what_happened":["Despite <em>disputing</em> this directly with the <em>provider</em> and informing <em>them</em> that insurance was active and the deductible was paid, the account was sent to collections. \n\nUnder the Fair Debt Collection Practices Act ( FDCPA ) and the No Surprises Act, I am not responsible for balance billing for in-network services, including anesthesia related to the procedure."]},"sort":[13.213701,"18267214"]},{"_index":"complaint-public-v1","_id":"8524177","_score":13.174219,"_source":{"product":"Credit card","complaint_what_happened":"I purchased a XXXX on XX/XX/year> using Capital One credit card. The purchase was for XXXX XXXX for {$110.00} which XXXX advertised being provided by XXXX XXXX XXXX XXXX XXXX XXXX Service provider ) I contacted service provider, I was told to text them and arrangements will be made to provide service. I never heard back from them, I called them many times and left messages but no response. The text went unanswered. I contacted XXXX and they told me that XXXX was redeemed and their responsibility ended there. I file dispute with Capital One but the said that XXXX responded to them saying XXXX was redeemed so Capital One closed dispute. \nI reached out to XXXX via chat ( none of their phone numbers work ) I was to to provide them proof that the service was not provided. I asked how I was supposed to do that, that said get a letter from service provider stating that. I was then disconnected. See chat and timing. I went back into another chat and ask them to contact service provider, I was told they were going to escalate the issue but never heard back. The only thing I got was a letter from Capital one saying I didnt provide requested info in a timely manner and did not provide what they requested. I did I gave them copy of XXXX and all chats.","date_sent_to_company":"2024-03-11T19:39:00.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"08021","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"8524177","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-03-11T19:17:14.000Z","state":"NJ","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 file <em>dispute</em> with Capital One but the said that XXXX responded to <em>them</em> saying XXXX was redeemed so Capital One closed <em>dispute</em>. \nI reached out to XXXX via chat ( none of their phone numbers work ) I was to to provide <em>them</em> proof that the service was not provided. I asked how I was supposed to do that, that said get a letter from service <em>provider</em> stating that. I was then disconnected. See chat and timing."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[13.174219,"8524177"]},{"_index":"complaint-public-v1","_id":"7622295","_score":13.123752,"_source":{"product":"Debt collection","complaint_what_happened":"Wakefield Collection # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX call numbers XXXX and XXXX. Per the provider, dates of service XX/XX/XXXX and XX/XX/XXXX. My dad died XX/XX/XXXX. I'm the executor. I received a collection notice from Wakefield Collection Company on XX/XX/XXXX. I called them on XX/XX/XXXX to get information on the medical provider with date of service, detail on charges and proof of insurance billed and paid as I needed this to pay the amounts as executor. They said I had to file a dispute with them to get the information. I did the same day and I proceeded to send XXXX emails, multiple disputes and phone calls. I received bill copies from them on XX/XX/XXXX ( with a letter from them dated XX/XX/XXXX ) and the amounts and insurance didn't make sense. I now had the medical provider information so I called them. Wakefield had the wrong date of service on their bill, they showed XX/XX/XXXX, and wrong dollar amounts. Provider is going to send me correct bills so I can review and pay, they said it will take 7 days from today XX/XX/XXXX. I notified Wakefield but I'm filing this complaint against them for harassment and improper billing.","date_sent_to_company":"2023-10-02T16:00:19.000Z","issue":"False statements or representation","sub_product":"Medical debt","zip_code":"601XX","tags":"Servicemember","has_narrative":true,"complaint_id":"7622295","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"W&A Intermediate Co., LLC","date_received":"2023-10-02T14:26:03.000Z","state":"IL","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Per the <em>provider</em>, dates of service XX/XX/XXXX and XX/XX/XXXX. My dad died XX/XX/XXXX. I'm the executor. I received a collection notice from Wakefield Collection Company on XX/XX/XXXX. I called <em>them</em> on XX/XX/XXXX to get information on the medical <em>provider</em> with date of service, detail on charges and proof of insurance billed and paid as I needed this to pay the amounts as executor. They said I had to file a <em>dispute</em> with <em>them</em> to get the information."]},"sort":[13.123752,"7622295"]},{"_index":"complaint-public-v1","_id":"2050740","_score":13.040388,"_source":{"product":"Credit reporting","complaint_what_happened":"I have asked Experian several times to remove dispute comments from a collection account and they are refusing to do so because they say the information is coming from the data provider and they have to remove the comment. The data provider is refusing to remove the comments. When I asked the data provider to do so they laughed at me and asked me what I was trying to buy, and refused to remove the dispute comments even though I told them I was no longer disputing the account. I told Experian I am not disputing this account and to please remove the comment. From my understanding they have an obligation to report correct information and the correct information is that I am not disputing the account. I am asking them to update this account to Have no dispute comment. Also, the date of the first delinquency is completely incorrect and they need to correct that information as well or remove the information completely. The other reporting agency 's had no issue with immediately removing this information. So I am not sure what experians hang up is but they need to get my credit info on this account corrected.","date_sent_to_company":"2016-08-09T01:50:08.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"27703","tags":null,"has_narrative":true,"complaint_id":"2050740","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2016-08-09T01:50:07.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status"},"highlight":{"complaint_what_happened":["I have asked Experian several times to remove <em>dispute</em> comments from a collection account and they are refusing to do so because they say the information is coming from the data <em>provider</em> and they have to remove the comment. The data <em>provider</em> is refusing to remove the comments. When I asked the data <em>provider</em> to do so they laughed at me and asked me what I was trying to buy, and refused to remove the <em>dispute</em> comments even though I told <em>them</em> I was no longer <em>disputing</em> the account."]},"sort":[13.040388,"2050740"]},{"_index":"complaint-public-v1","_id":"19727859","_score":13.012274,"_source":{"product":"Credit card","complaint_what_happened":"- XXXX XXXX XXXX XXXX ( herein referred to as \" Merchant '' ) offered a 12 month interest free payment installment plan for due of {$4200.00} thru CC Provider ( herein referred to as the CC Provider '' ) ; - i agreed. Merchant and myself enrolled to register in the CC Provider 's promotional plan ; - Received approval from CC provider to start minimum payment ( {$180.00} ) XX/XX/year> ; - I started payment of {$350.00} per month from XXXX to XX/XX/year> every XXXX XXXX   days of the month without fail ; - On payment on XX/XX/XXXX, i noticed an Interested charge of {$580.00} dated XX/XX/XXXX ; - Upon inquiry, was advised that promotion approved was 6 months interest free and not 12 months. Since 6 months had elapsed, was charged the interest of remaining balance ; - I disputed the interest charges and emphasized merchant had committed a 12 month interest free payment as they did with their other clients. Promotional plan was shown to me by merchant ; - after XXXX weeks of back and forth, i decided to pay the principal balance on XX/XX/XXXX ;. \n- thereon, i noted the CC provider kept on charging interest on the disputed interest charges. I continued to dispute the charges until finally they said \" if i can ask the merchant to call them and confirm my account was wrongly charged from 12 months to 6 months, then they can help remove all the interest charges '' ; - i contacted the merchant. XXXX did call the CC provider to confirm our agreed promotional offer of 12 mos. For some reasons, the CC provider, i found out later, only removed the Late fees but not the interest charges ; - i called back the CC provider to clarify. They clearly reneged on their prior advise to remove the interest charges once the merchant calls them. They stuck to their position that interest charges were valid charges and that i should pay them what is due because of the interest charges ; - i made another effort to contact the merchant and they again tried calling the CC provider but the latter stuck to their position ; - from the initial interest charges of {$580.00}, last statement shows the total amount due at {$750.00} net of adjustments made ( late fees, etc ). \n- advised them am filing a complaint with the CFPB ;","date_sent_to_company":"2026-02-24T04:51:59.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"93033","tags":"Older American","has_narrative":true,"complaint_id":"19727859","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2026-02-24T04:40:51.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive advertised or promotional terms"},"highlight":{"complaint_what_happened":["I continued to <em>dispute</em> the charges until finally they said \" if i can ask the merchant to call <em>them</em> and confirm my account was wrongly charged from 12 months to 6 months, then they can help remove all the interest charges '' ; - i contacted the merchant. XXXX did call the CC <em>provider</em> to confirm our agreed promotional offer of 12 mos. For some reasons, the CC <em>provider</em>, i found out later, only removed the Late fees but not the interest charges ; - i called back the CC <em>provider</em> to clarify."]},"sort":[13.012274,"19727859"]},{"_index":"complaint-public-v1","_id":"1297382","_score":12.988968,"_source":{"product":"Credit reporting","complaint_what_happened":"I noticed an incorrect item when I received free credit report from Transunion. I contacted data provider ( XXXX XXXX ) immediately and data provider resolved the issue after reviewing the facts. Data provider notified me that data provider will take care of notifying to credit reporting agencies including Transunion. I called Data provider to verify and confirm that they have notified credit reporting agencies and data provider confirmed that all data has been updated with credit reporting agencies. I did not get any notification or revised free credit report from Transunion even after filing dispute with them. But another credit reporting agency, XXXX resolved the issue as soon as data provider resolved the issue. \n\nTransunion did not take any action on this even after I disputed this specific item online using their website XXXX \n1. I expected notification or revised free credit report from Transunion after incorrect information has been corrected. This did not happen. \n2. I expected an email notification from Transunion after I disputed this item. There is no notification from Transunion. \n3. I am checking the status online daily few times and do n't see any kind of update except that their target date is sometime in XXXX. \n\nWhen data provider and another credit reporting agency XXXX XXXX XXXX confirmed that they resolved these issues, why is Transunion not taking any action and why are they ignoring my requests or service provider updates? \n\nI hope practices of these credit reporting agencies will be reviewed and their standards will be improved to ensure that customer information is kept up-to-date with data providers. There is no need to waste consumers time for data synchronization issues between credit reporting agencies and data providers. I am hoping that Transunion will review data from data provider and take prompt action on this matter. It is really frustrating consumer experience dealing with issues like these that should have never occurred.","date_sent_to_company":"2015-03-24T08:18:13.000Z","issue":"Credit reporting company's investigation","sub_product":null,"zip_code":"96822","tags":null,"has_narrative":true,"complaint_id":"1297382","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2015-03-24T08:18:12.000Z","state":"HI","company_public_response":null,"sub_issue":"No notice of investigation status/result"},"highlight":{"complaint_what_happened":["I did not get any notification or revised free credit report from Transunion even after filing <em>dispute</em> with <em>them</em>. But another credit reporting agency, XXXX resolved the issue as soon as data <em>provider</em> resolved the issue. \n\nTransunion did not take any action on this even after I <em>disputed</em> this specific item online using their website XXXX \n1. I expected notification or revised free credit report from Transunion after incorrect information has been corrected. This did not happen. \n2."]},"sort":[12.988968,"1297382"]},{"_index":"complaint-public-v1","_id":"4701386","_score":12.983223,"_source":{"product":"Debt collection","complaint_what_happened":"After years of using XXXX, I received a letter from XXXX on XX/XX/XXXX that stated : \" During a recent review of customer accounts, we discovered you were using a significant amount of data while roaming off the XXXX XXXX XXXX. \n\nWhile we appreciate you choosing XXXX, after XX/XX/XXXX, we will no longer offer service for the numbers listed above since your primary place of use is outside the XXXX service area. \n\nWe encourage you to evaluate your wireless provider options and switch your service on these lines to another provider before XX/XX/XXXX. After your XXXX is discontinued on XX/XX/XXXX, you will no longer be able to transfer your phone number to a different provider. '' I switched providers on XX/XX/XXXX. Having to start over was very costly as the new provider did not support any of the devices we were using with XXXX. The letter also go on to state that outstanding balances will be waived no later than XX/XX/XXXX. \n\nI called XXXX when I first recieved this letter to clarify that, yes, they were indeed disconnecting our service, despite the facts that we were long term customers and current on our accounts with them. \n\nI received another bill from them after I switched to a new provider. I called them again and clarified that balances would be waived. I believed my accounts with them had been settled and closed. \n\nI reviewed my credit report and I now have an account in collections from XXXX opened on XX/XX/XXXX for the amount of {$240.00}. I do not believe that this is valid. I have already disputed it with the collection agency, Jefferson Capital System. This was their response, \" Account information disputed by consumer, meets FCRA requirements. ''","date_sent_to_company":"2021-09-09T00:05:45.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"046XX","tags":null,"has_narrative":true,"complaint_id":"4701386","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2021-09-08T22:55:44.000Z","state":"ME","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["I called XXXX when I first recieved this letter to clarify that, yes, they were indeed disconnecting our service, despite the facts that we were long term customers and current on our accounts with <em>them</em>. \n\nI received another bill from <em>them</em> after I switched to a new <em>provider</em>. I called <em>them</em> again and clarified that balances would be waived. I believed my accounts with <em>them</em> had been settled and closed."]},"sort":[12.983223,"4701386"]},{"_index":"complaint-public-v1","_id":"7399111","_score":12.971247,"_source":{"product":"Debt collection","complaint_what_happened":"XX/XX/2023 : I switched phone service providers AFTER paying off the remaining amount of both of my phone payments. I was told by my current provider that I do not have to notify my old provider of the switch unless I had ongoing payments which I did not. \n\nXX/XX/2023 : I recieved a letter from a debt collection agency known as Diversified Adjustment Service, Inc.That I owed {$350.00} as of XXXX via mail. I was never contacted before this date for anything regarding an account with my previous phone service provider because my account closed when I switch providers XXXX. \n\nXX/XX/2023 : I sent a debt validation letter to Diversified Adjustment Service , Inc . Using the same address the debt letter was sent from and my letter was sent back. I attempted again with their corporate address with the same result. I do not plan to call them for their website states that calling them on the phone will be seen as an attempt to collect a debt and all information given will be used to do so. I was notified of the right to dispute the debt through them and I feel like that right is being ignored.","date_sent_to_company":"2023-08-14T21:56:30.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"47714","tags":null,"has_narrative":true,"complaint_id":"7399111","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Diversified Adjustment Service, Inc.","date_received":"2023-08-14T21:30:02.000Z","state":"IN","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I do not plan to call <em>them</em> for their website states that calling <em>them</em> on the phone will be seen as an attempt to collect a debt and all information given will be used to do so. I was notified of the right to <em>dispute</em> the debt through <em>them</em> and I feel like that right is being ignored."]},"sort":[12.971247,"7399111"]},{"_index":"complaint-public-v1","_id":"10487753","_score":12.929786,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am writing to formally dispute a transaction in the amount of {$350.00}, which was paid through Cash App on XXXX. XXXX XXXX for services that were never rendered. The transaction was intended to cover repair work by the service provider, XXXX XXXX Despite my payment, the service provider failed to fulfill the agreed-upon service. I have made multiple attempts to contact them, but they have not responded or provided any valid reason for the delay or non-fulfillment. This has led me to believe that this transaction was fraudulent. I have requested a refund from the service provider but have not received any response. \nI am requesting assistance in recovering the {$350.00} due to this unresolved and unfulfilled service. I have attached supporting documentation, including the transaction receipt, messages exchanged with the service provider, and any additional attempts to resolve this matter. \nThank you for your assistance in resolving this dispute.","date_sent_to_company":"2024-10-23T19:14:11.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"20743","tags":"Servicemember","has_narrative":true,"complaint_id":"10487753","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2024-10-17T20:26:35.000Z","state":"MD","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am writing to formally <em>dispute</em> a transaction in the amount of {$350.00}, which was paid through Cash App on XXXX. XXXX XXXX for services that were never rendered. The transaction was intended to cover repair work by the service <em>provider</em>, XXXX XXXX Despite my payment, the service <em>provider</em> failed to fulfill the agreed-upon service. I have made multiple attempts to contact <em>them</em>, but they have not responded or provided any valid reason for the delay or non-fulfillment."]},"sort":[12.929786,"10487753"]},{"_index":"complaint-public-v1","_id":"2322302","_score":12.870962,"_source":{"product":"Credit card","complaint_what_happened":"XX/XX/XXXX I hired XXXX online company to help with marketing of my consulting business. This company`s CEO promised that they will create webinar to generate customers and they will also create affiliate system that I can find partners for marketing. This company created webinar but not for one month as I expected. It took 5 months to do that and only under the pressure from me to finish the job. They charged me every month for {$750.00} and in total I paid {$3700.00} but they did not delivered Affiliate marketing system. \nI contacted Citi Card Company and opened dispute with this provider. The card responded with conditional credit and started long investigation. I sent packages with proof of my claim 3 times and I called to company at least 10 times! Every time when I called I talked to a new person who would tell me totally wrong things. One of them said that my dispute was resolved to my benefits and others did not know anything why it was resolved to provider benefits. \nThey finally decided the dispute to provider`s benefit and reversed my conditional credits. They reversed all of them but they did not t even inform me about the outcome of this case. I spent 1 year trying to get money back as it is damaged my small business. I think that Citi card should work faster and better to protect our money from fraudulent providers. \nI found out that on XX/XX/XXXX I was charged by XXXX for {$750.00} dollars again. When I called to Citi card they told me that it is them returned their money for conditional credit. As far as I know all conditional credits were reversed before that. And XX/XX/XXXX Citi charged me again for {$750.00}. It is almost 1,5 years after the beginning of dispute and 1 year after the end of it! \nPlease, help me to protect my account from continued charges from Citi card. And teach them how to do dispute job as this process is exhausting and frustrating. I told about that many times but no results.","date_sent_to_company":"2017-02-06T21:14:08.000Z","issue":"Transaction issue","sub_product":null,"zip_code":"22202","tags":null,"has_narrative":true,"complaint_id":"2322302","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2017-02-01T22:28:48.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I contacted Citi Card Company and opened <em>dispute</em> with this <em>provider</em>. The card responded with conditional credit and started long investigation. I sent packages with proof of my claim 3 times and I called to company at least 10 times! Every time when I called I talked to a new person who would tell me totally wrong things. One of <em>them</em> said that my <em>dispute</em> was resolved to my benefits and others did not know anything why it was resolved to <em>provider</em> benefits."]},"sort":[12.870962,"2322302"]},{"_index":"complaint-public-v1","_id":"2758117","_score":12.869352,"_source":{"product":"Debt collection","complaint_what_happened":"The XXXX XXXX XXXX XXXX sent my bill to a collection agency while the bill was still in dispute. The XXXX billing office sent me a bill charging me for services, which was more than twice the amount I owed ( the amount based on the contracted rate from my insurance provider is much lower ). They have sent me this bill 3 times and then sent it to collections, even though I have informed them that I should get a contracted rate for these services, based on information from my health insurance provider XXXX. I am in discussions with my insurance provider to have the bill reprocessed and I have called the XXXX XXXX XXXXXXXX XXXX billing office twice so far disputing the bill and informing them that the bill is being reprocessed to reflect the contracted rate from my insurance provider. They ignored this piece of information and went ahead and sent it to a collection agency anyway instead of waiting for the reprocessed bill for the lower amount from my insurance provider. Moreover my insurance provider has since paid a portion of this bill to the XXXX XXXX XXXXXXXX XXXX as the attached claim details ( from XXXX ) show. \n\nAt least 3 bills were sent to me from the City of XXXX XXXX, the latest one being from their collections department on XXXX XXXX. I have called and explained to them that the bill is being reprocessed and I need to wait before I can get the reprocessed to pay the exact amount I owe - my last call was on XXXX/XXXX/XXXX. \n\nMy insurance provider has since paid a portion of the bill, so it also needs to be adjusted to reflect the amount already paid. \n\nIn addition to this causing me unnecessary stress and anxiety over the financial matter, it could potentially affect my credit history at a very sensitive time for me when I am trying to buy a home and my credit standing is extremely important.","date_sent_to_company":"2017-12-18T16:29:10.000Z","issue":"False statements or representation","sub_product":"Medical debt","zip_code":"19050","tags":null,"has_narrative":true,"complaint_id":"2758117","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Collection Service Center, Inc.","date_received":"2017-12-18T16:06:48.000Z","state":"PA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I am in discussions with my insurance <em>provider</em> to have the bill reprocessed and I have called the XXXX XXXX XXXXXXXX XXXX billing office twice so far <em>disputing</em> the bill and informing <em>them</em> that the bill is being reprocessed to reflect the contracted rate from my insurance <em>provider</em>. They ignored this piece of information and went ahead and sent it to a collection agency anyway instead of waiting for the reprocessed bill for the lower amount from my insurance <em>provider</em>."]},"sort":[12.869352,"2758117"]},{"_index":"complaint-public-v1","_id":"3479346","_score":12.805695,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX/XX/XX/XXXX I filed disputes with XXXX, XXXX and Equifax for a medical debt that was placed on my credit reports, which I learned was a result of the company, XXXX XXXX XXXX XXXX ( XXXX ) failing to file a claim with my health insurance providers ; I have both primary and secondary providers. \n\nXXXX and XXXX immediately removed the account ; Equifax did not. Not only have they not removed it, their website will not allow me to re-open the dispute to attach the documents I'm including in this complaint to show that not only do I dispute that I owe the account, the documents are proof that XXXX XXXX XXXX   XXXX have apparently been unwilling to bother filing a claim with my insurance providers even after I provided them with copies of both cards XXXX times throughout the past year and EVEN AFTER Maryland Attorney Generals Office provided them with copies of both cards. \n\nThe fact that XXXX XXXX XXXX  XXXX failed apparently, intentionally, to file a claim with my insurance providers makes them accountable for the bill, not me. \n\nThe fact that Equifax refuses to remove the account from my credit report and also refuses allow me to re-open the complaint through their dispute portal online is why I am filing this complaint with the CFPB. \n\nFor reference, see CFPB Complaint Number XXXX against XXXX XXXX XXXX XXXX. \n\nFederal Law is clear that medical providers who do/did not, and in this case seemingly willingly refuse, to file a claim with a person 's health insurance carriers leaves the burden of the account on the medical provider not the consumer. \n\nFederal Law also requires Equifax (, XXXX and XXXX ) to remove medical debts from credit reports when the consumer provides evidence that the bill is an error ... and in this instance the error is the the medical provider 's unwillingness to file a claim even after Maryland Attorney General 's Office intervened, yet, XXXX XXXX XXXX XXXX still has not filed a claim with my insurance carriers. \n\nIt is for that reason Equifax should have removed the account from my report nearly a year ago, and why I am filling this complaint against Equifax requesting they immediately remove it from my credit report and is also why I have initiated a complaint against Equifax with Maryland Attorney Generals Office of Consumer Protection for not following Federal and MD State laws dealing with this matter.","date_sent_to_company":"2019-12-28T17:57:17.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"217XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3479346","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-12-28T17:28:26.000Z","state":"MD","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Not only have they not removed it, their website will not allow me to re-open the <em>dispute</em> to attach the documents I'm including in this complaint to show that not only do I <em>dispute</em> that I owe the account, the documents are proof that XXXX XXXX XXXX   XXXX have apparently been unwilling to bother filing a claim with my insurance <em>providers</em> even after I provided <em>them</em> with copies of both cards XXXX times throughout the past year and EVEN AFTER Maryland Attorney Generals Office provided <em>them</em> with copies"]},"sort":[12.805695,"3479346"]},{"_index":"complaint-public-v1","_id":"5961713","_score":12.77005,"_source":{"product":"Debt collection","complaint_what_happened":"I had a bill for XXXX following a XXXX in XX/XX/XXXX. I called the medical provider and set up a payment plan. 6 months later, I was contacted by Capio Partners in a debt collection attempt. I spoke with the original medical provider and inquired as to why the payment plan was not implemented. I was informed that there was nothing they could do since 6 months had already passed and it was already turned over to debt collection. I received a letter from Capio Partners dated for XX/XX/XXXX indicating that I owed an amount of {$4100.00}, despite a statement from the original medical provider indicating that I owed {$950.00}. They contacted me on XX/XX/XXXX in an attempt to collect the debt. I sent a letter to Capio Partners via certified mail written XX/XX/XXXX in dispute and asking for them to supply information to validate the debt. Capio Partners responded with a letter dated XX/XX/XXXX showing that they purchased the debt from the original medical provider and proceeded to reverse a discount of {$3100.00} that was granted and never billed to me by the original medical provider. Capio Partners resumed collection call attempts. On XX/XX/XXXX, I called to discuss the letter and dispute the amount of {$4100.00} that they were trying to collect. I was told by the Capio representative XXXX, that the discount was reversed by the medical provider because I did not pay off the bill. I disputed this with XXXX and told him that the correspondence I received from Capio Partners shows that it was Capio Partners who reversed the discount of {$3100.00}, not the medical provider. I informed him that the medical provider never billed me for the extra {$3100.00} and that I was disputing his claims. XXXX asked me questions about what the Capio Partners letter from XX/XX/XXXX stated- even though the letter was generated by Capio Partners itself. XXXX informed me that he could not guarantee that I would not be billed a higher amount than my original debt billed by the medical provider.","date_sent_to_company":"2022-09-09T01:32:13.000Z","issue":"False statements or representation","sub_product":"Medical debt","zip_code":"760XX","tags":null,"has_narrative":true,"complaint_id":"5961713","timely":"No","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Capio Partners, LLC","date_received":"2022-09-09T00:52:08.000Z","state":"TX","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I received a letter from Capio Partners dated for XX/XX/XXXX indicating that I owed an amount of {$4100.00}, despite a statement from the original medical <em>provider</em> indicating that I owed {$950.00}. They contacted me on XX/XX/XXXX in an attempt to collect the debt. I sent a letter to Capio Partners via certified mail written XX/XX/XXXX in <em>dispute</em> and asking for <em>them</em> to supply information to validate the debt."]},"sort":[12.77005,"5961713"]},{"_index":"complaint-public-v1","_id":"2642548","_score":12.742562,"_source":{"product":"Debt collection","complaint_what_happened":"Receivables Performance is reporting a collection for XXXX. First, the service provider could not provide service at the location we moved to. Second, the debt was paid. Third, we told Receivables Performance that we were disputing the debt ( although paid by new service provider ) with the original provider ( XXXX ) because they could n't provide service at the new address. During the debt validation process we clearly informed them there was a dispute and they should refer back to XXXX who had already been paid but they put it on our credit report anyway which is a direct violation of FCRA Section 623 XXXX, v. XXXX XXXX XXXX and the Fair Debt Collection Practices Act 807 ( 8 ). Plus a few others..","date_sent_to_company":"2017-08-08T21:58:36.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"92344","tags":"Servicemember","has_narrative":true,"complaint_id":"2642548","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Receivables Performance Management, LLC","date_received":"2017-08-08T21:47:19.000Z","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 paid"},"highlight":{"complaint_what_happened":["First, the service <em>provider</em> could not provide service at the location we moved to. Second, the debt was paid. Third, we told Receivables Performance that we were <em>disputing</em> the debt ( although paid by new service <em>provider</em> ) with the original <em>provider</em> ( XXXX ) because they could n't provide service at the new address."]},"sort":[12.742562,"2642548"]},{"_index":"complaint-public-v1","_id":"4632126","_score":12.698657,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I was told Care Credit does not have an official dispute department by the Care Credit dispute supervisor. They ignored the original complaint when filed with them in XX/XX/2021. After a heated discussion with the dispute department manager he told me there is no medical arbitrator, or medical advisor on staff, so there is no way to check and verify charges. Whatever the provider says goes whether legitimate or over charges, who cares. The consumer pays for a very skewed way to play. No recourse in this unregulated field. \n\nThere are no checks and balances at Care Credit. There are no consequences for providers that overcharge because there are no accountability measures in place at Care Credit. \n\nI was charged {$79.00} for dog cookies, and {$490.00} for a {$50.00} dog harness, etc. Then complications arose where the original provider wiped their hands leaving me no option but go to an XXXX XXXX  which I later found out the original provider was a partner in. There is No legislation in this wild west industry for services charged. \n\nCare Credits response, Well, you signed for it. Yes in an emergency situation. I was astounded at such shoddy business practices all the way around.","date_sent_to_company":"2021-09-01T13:01:27.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"34293","tags":null,"has_narrative":true,"complaint_id":"4632126","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2021-08-14T16:35:52.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I was told Care Credit does not have an official <em>dispute</em> department by the Care Credit <em>dispute</em> supervisor. They ignored the original complaint when filed with <em>them</em> in XX/XX/2021. After a heated discussion with the <em>dispute</em> department manager he told me there is no medical arbitrator, or medical advisor on staff, so there is no way to check and verify charges. Whatever the <em>provider</em> says goes whether legitimate or over charges, who cares. The consumer pays for a very skewed way to play."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[12.698657,"4632126"]},{"_index":"complaint-public-v1","_id":"6582101","_score":12.664206,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/XXXX I submitted a dispute to Experian Credit Bureau via telephone regarding a medical debt with XXXX that is reporting on my credit report. I cited the No Surprise Act as my reason for disputing the debt. I had a car accident in 2021, as a result I had an attorney to reach out to all my medical providers for my bills to get them paid. I am assuming that this may be one of those providers since it is within that timeframe, but I can not be sure. Several providers did not respond to my attorney 's notice for requesting my bills. Again, I am not sure if this is one of the aforementioned providers, but regardless if is is one or not, I was unaware of this bill existing and I did not receive any notification from this company about owing this payment. I realized recently how I had a right to dispute it. I did this with Experian but they did not remove this debt from my report. I need this debt removed immediately because they did not inform me about it prior to putting it on my report. If this is a provider from my car accident in 2021 they should have responded to my attorney 's request to submit their bills for payment, which apparently they did not do. Please assist with this manner as soon as possible.","date_sent_to_company":"2023-03-15T15:34:59.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"27284","tags":null,"has_narrative":true,"complaint_id":"6582101","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-02-16T16:28:16.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX I submitted a <em>dispute</em> to Experian Credit Bureau via telephone regarding a medical debt with XXXX that is reporting on my credit report. I cited the No Surprise Act as my reason for <em>disputing</em> the debt. I had a car accident in 2021, as a result I had an attorney to reach out to all my medical <em>providers</em> for my bills to get <em>them</em> paid. I am assuming that this may be one of those <em>providers</em> since it is within that timeframe, but I can not be sure."],"sub_issue":["Didn't receive notice of right to <em>dispute</em>"]},"sort":[12.664206,"6582101"]},{"_index":"complaint-public-v1","_id":"3561006","_score":12.616308,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have a medical debt collection on my credit report which I have tried to dispute with Equifax. I never received the original bill from my medical provider and it was reported to collection agency. When I inquired about the medical bill and attempted to pay my provider directly, they notified me that the account is closed and transferred to a collection agency. My multiple attempts to pay them directly failed and I eventually paid the collection agency. I have disputed this charge with Equifax. However, my dispute online went to a wrong department. I am not able to see the status of my dispute online and every time I call I am on the phone for 45 minutes and the issue is not resolved. I have asked them to send my dispute to the correct department but I still don't see my dispute status online and I have not received email about it.","date_sent_to_company":"2020-03-10T15:18:09.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20001","tags":null,"has_narrative":true,"complaint_id":"3561006","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-03-10T14:55:13.000Z","state":"DC","company_public_response":null,"sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["I have a medical debt collection on my credit report which I have tried to <em>dispute</em> with Equifax. I never received the original bill from my medical <em>provider</em> and it was reported to collection agency. When I inquired about the medical bill and attempted to pay my <em>provider</em> directly, they notified me that the account is closed and transferred to a collection agency. My multiple attempts to pay <em>them</em> directly failed and I eventually paid the collection agency."],"sub_issue":["Difficulty submitting a <em>dispute</em> or getting information about a <em>dispute</em> over the phone"]},"sort":[12.616308,"3561006"]},{"_index":"complaint-public-v1","_id":"10691133","_score":12.600416,"_source":{"product":"Debt collection","complaint_what_happened":"I have sent three letters to both AR Resources and XXXX XXXX at XXXX XXXX disputing the validity of this debt. I have provided proof that I provided my proof of insurance at the time of services rendered. XXXX XXXX billed my insurance and has billed me correctly for the patient portion of my responsibility. It is the responsibility of the provider to bill the insurance within a timely manner. I fulfilled my duty of providing my insurance information and have given proof through the ER Visit Summary attached. It is unlawful to attempt to collect 100 % of this debt from me due to the provider not filing in a timely manner. \n\nI was not made aware of this debt until being notified via phone by AR Resources in XXXX of 2024. I immediately told them that I gave them my insurance information and this was to be processed through them because I would pay my patient responsibility. They said that the insurance can no longer be billed due to it being past one year. This is the first I had been made aware of this debt. All bills through XXXX XXXX were processed through my insurance. I was not aware of this provider or the physician being billed separately. \n\nSince being notified of this debt via phone one year later in XX/XX/year> by the debt collection company, AR Resources, I have sent 3 letters, one being certified, disputing this debt and requesting more information. I have not received the requested information such as the proof that they attempted to bill my insurance. I also requested validation of this debt including an itemized summary of medical codes and charges. This is my right to receive this document under the Fair Consumer Reporting Act but I have never received this from XXXX XXXX at XXXX or AR XXXXesources despite sending 3 letters requesting this and disputing the debt. I recently sent yet another letter in XX/XX/year> requesting an itemized bill, validation of the debt, and proof of my patient responsibility including their attempt to bill the medical insurance I provided at time of service. I have yet to receive any response from them. \n\nThis debt is not my responsibility, it is the providers responsibility to file the insurance once the insurance information is provided which I have attached documentation showing this was done at time of services rendered. The practices and actions of this provider is unlawful and violates consumer right 's including the No Surprise Act, Fair Consumer Reporting Act, I have sent three letters to both AR Resources and XXXX XXXX XXXX XXXXXXXX XXXX disputing the validity of this debt. I have provided proof that I provided my proof of insurance at the time of services rendered. XXXX XXXX billed my insurance and has billed me correctly for the patient portion of my responsibility. It is the responsibility of the provider to bill the insurance within a timely manner. I fulfilled my duty of providing my insurance information and have given proof through the ER Visit Summary attached. It is unlawful to attempt to collect 100 % of this debt from me due to the provider not filing in a timely manner. \n\nI was not made aware of this debt until being notified via phone by AR Resources in XXXX of 2024. I immediately told them that I gave them my insurance information and this was to be processed through them because I would pay my patient responsibility. They said that the insurance can no longer be billed due to it being past one year. This is the first I had been made aware of this debt. All bills through XXXX XXXX were processed through my insurance. I was not aware of this provider or the physician being billed separately. \n\nSince being notified of this debt via phone one year later in XX/XX/year> by the debt collection company, AR Resources, I have sent 3 letters, one being certified, disputing this debt and requesting more information. I have not received the requested information such as the proof that they attempted to bill my insurance. I also requested validation of this debt including an itemized summary of medical codes and charges. This is my right to receive this document under the Fair Consumer Reporting Act but I have never received this from XXXX XXXX at XXXX or AR Resources despite sending XXXX letters requesting this and disputing the debt. I recently sent yet another letter in XX/XX/year> requesting an itemized bill, validation of the debt, and proof of my patient responsibility including their attempt to bill the medical insurance I provided at time of service. I have yet to receive any response from them. \n\nThis debt is not my responsibility, it is the providers responsibility to file the insurance once the insurance information is provided which I have attached documentation showing this was done at time of services rendered. The practices and actions of this provider is unlawful and violates consumer right according to federal laws and regulations.","date_sent_to_company":"2024-11-04T20:44:48.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"37066","tags":null,"has_narrative":true,"complaint_id":"10691133","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AR Resources, Inc.","date_received":"2024-11-04T20:07:53.000Z","state":"TN","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["It is unlawful to attempt to collect 100 % of this debt from me due to the <em>provider</em> not filing in a timely manner. \n\nI was not made aware of this debt until being notified via phone by AR Resources in XXXX of 2024. I immediately told <em>them</em> that I gave <em>them</em> my insurance information and this was to be processed through <em>them</em> because I would pay my patient responsibility. They said that the insurance can no longer be billed due to it being past one year."]},"sort":[12.600416,"10691133"]},{"_index":"complaint-public-v1","_id":"4351778","_score":12.577774,"_source":{"product":"Debt collection","complaint_what_happened":"Received debt collection letter in XX/XX/2021 for medical bill. Never received previous medical bill from provider. In XX/XX/2021, sent dispute letter asking for copy of last billing statement, amount of debt, amount of reductions since billing statement, when debt became due, and whether debt was within statute of limitations. \n\nWe knew the debt from collection agency was wrong because insurance had recently made a payment after the provider finally billed them in late XXXX or early XXXX. The provider didn't send a complete claim to insurance until after they contacted the debt collector. The collector never responded to the dispute notice or any of our questions. They only provided a new bill for the correct amount in XXXX and ignored our previous communication entirely.","date_sent_to_company":"2021-05-05T15:20:04.000Z","issue":"False statements or representation","sub_product":"Medical debt","zip_code":"44685","tags":null,"has_narrative":true,"complaint_id":"4351778","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Centralized Business Solutions Company","date_received":"2021-05-05T15:00:39.000Z","state":"OH","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Never received previous medical bill from <em>provider</em>. In XX/XX/2021, sent <em>dispute</em> letter asking for copy of last billing statement, amount of debt, amount of reductions since billing statement, when debt became due, and whether debt was within statute of limitations. \n\nWe knew the debt from collection agency was wrong because insurance had recently made a payment after the <em>provider</em> finally billed <em>them</em> in late XXXX or early XXXX."]},"sort":[12.577774,"4351778"]},{"_index":"complaint-public-v1","_id":"11154309","_score":12.574794,"_source":{"product":"Student loan","complaint_what_happened":"A dispute was added to my credit report and they have not removed the dispute. I have requested them to remove several times but because the provider has changed several times the request to remove the dispute has been overlooked.","date_sent_to_company":"2025-01-06T21:00:58.000Z","issue":"Incorrect information on your report","sub_product":"Federal student loan servicing","zip_code":"30144","tags":null,"has_narrative":true,"complaint_id":"11154309","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2024-12-14T16:47:07.000Z","state":"GA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["A <em>dispute</em> was added to my credit report and they have not removed the <em>dispute</em>. I have requested <em>them</em> to remove several times but because the <em>provider</em> has changed several times the request to remove the <em>dispute</em> has been overlooked."]},"sort":[12.574794,"11154309"]},{"_index":"complaint-public-v1","_id":"5630629","_score":12.507759,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Transunion Credit Bureau keeps reporting erroneous Public Record on my file. I have disputed this incorrect information and sent Transunion via certified mail the court letter informing that they have not provided Transunion with any public record. I question the validity and who is the provider of this erroneous information and have requested that such record be deleted from my file. They have not replied since XX/XX/2021. USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX Transunion received XX/XX/2021 Contacted transunion again today and again they declined to provide information on who is the provider of public record. I informed XXXX that the court does not provide information to transunion and I have provided them with court letter. Transunion declined to inform who is the furnisher/ provider of the public recording they are showing on my credit report so I can question and contact them.","date_sent_to_company":"2022-06-03T20:52:45.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30084","tags":"Servicemember","has_narrative":true,"complaint_id":"5630629","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-06-03T20:47:52.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX Transunion received XX/XX/2021 Contacted transunion again today and again they declined to provide information on who is the <em>provider</em> of public record. I informed XXXX that the court does not provide information to transunion and I have provided <em>them</em> with court letter. 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