{"took":86,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":4804,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"7540595","_score":15.3723545,"_source":{"product":"Debt collection","complaint_what_happened":"Sent a certified letter to dispute the debt i do not owe. In their letter they include a box to dispute the charge so I did.","date_sent_to_company":"2023-10-04T17:33:33.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"93720","tags":null,"has_narrative":true,"complaint_id":"7540595","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2023-09-13T15:37:18.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Sent a <em>certified</em> <em>letter</em> to <em>dispute</em> the debt i do not owe. In their <em>letter</em> they include a box to <em>dispute</em> the <em>charge</em> so I did."]},"sort":[15.3723545,"7540595"]},{"_index":"complaint-public-v1","_id":"2005339","_score":15.360428,"_source":{"product":"Debt collection","complaint_what_happened":"I received a bill from from a collection agency Account Management Services and disputed the validity of the debt, so I sent a certified letter of my dispute to these charges on XXXX/XXXX/2016 but never got a response from the company however XXXX/XXXX/2016 I got a alert from XXXX letting me know that Account Management Services had added a collection account to my credit report which severely negatively impacted my credit report. I do have proof of certified letter disputing these charges.","date_sent_to_company":"2016-07-10T23:57:10.000Z","issue":"Improper contact or sharing of info","sub_product":"Medical","zip_code":"90710","tags":null,"has_narrative":true,"complaint_id":"2005339","timely":"No","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Account Management Services, Inc.","date_received":"2016-07-10T23:57:09.000Z","state":"CA","company_public_response":null,"sub_issue":"Talked to a third party about my debt"},"highlight":{"complaint_what_happened":["I received a bill from from a collection agency Account Management Services and <em>disputed</em> the validity of the debt, so I sent a <em>certified</em> <em>letter</em> of my <em>dispute</em> to these <em>charges</em> on XXXX/XXXX/2016 but never got a response from the company however XXXX/XXXX/2016 I got a alert from XXXX letting me know that Account Management Services had added a collection account to my credit report which severely negatively impacted my credit report. I do have proof of <em>certified</em> <em>letter</em> <em>disputing</em> these <em>charges</em>."]},"sort":[15.360428,"2005339"]},{"_index":"complaint-public-v1","_id":"13216401","_score":15.317256,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX - first letter to TransUnion XXXX - sent first certified letter to dispute personal information XXXX - delivered and received certified letter XXXX - dated copy of report XXXX - sent 2nd certified letter to dispute personal information and validation of 3 charge off accounts XXXX - delivered and received certified letter XXXX - email confirming reciept of dispute XXXX - email confirming 3 days status XXXX - email confirming 5 days status XXXX - email confirming 7 days status XXXX - email and account update from XXXX  my charge off for XXXX  has been deleted XXXX - email from my online bank showing charge off for XXXX  was active and reporting on my credit report ( states to reach out to Transunion for questions ) dropped XXXX points on XXXX XXXX XXXX - unable to log into transunion account, unable to verify with online chat, and called and spoke with live agent XXXX who could not explain my dispute, help me locate my dispute, not able to view report and requested it to be escalated to a supervisor. Was told I would get a call back within XXXX hours. call was made at XXXX central time on XXXX. Nothing on my personal information or accounts were updated, removed or noted.","date_sent_to_company":"2025-04-28T14:34:52.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"661XX","tags":null,"has_narrative":true,"complaint_id":"13216401","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-28T14:05:00.000Z","state":"KS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["XXXX - first <em>letter</em> to TransUnion XXXX - sent first <em>certified</em> <em>letter</em> to <em>dispute</em> personal information XXXX - delivered and received <em>certified</em> <em>letter</em> XXXX - dated copy of report XXXX - sent 2nd <em>certified</em> <em>letter</em> to <em>dispute</em> personal information and validation of 3 <em>charge</em> off accounts XXXX - delivered and received <em>certified</em> <em>letter</em> XXXX - email confirming reciept of <em>dispute</em> XXXX - email confirming 3 days status XXXX - email confirming 5 days status XXXX - email confirming 7 days status XXXX - email and"]},"sort":[15.317256,"13216401"]},{"_index":"complaint-public-v1","_id":"2266788","_score":15.205347,"_source":{"product":"Debt collection","complaint_what_happened":"ReceivedReceived letter from collection agency ( MCM ), XXXX XXXX, 2016 requesting payment of {$360.00} debit with XXXX. Responded to MCM via certified mail XXXX XXXX, 2016 requested itemized of charges related to debit, copy of any signed contract and proof they were licensed to collect debit in SC. ( I am disputing to total bill ). \n\nReceived letter from MCM on XXXX XXXX, 2016 ; letter explained they reviewed notes on account and determined the debit to be valid. I responded, with certified letter to MCM again requesting itemized charges for billed amount, copy of any signed contract and explained I was disputing the total amount billed and did not believe this was my debit. I requested MCM to contact original creditor to obtain the information I requested. \n\nReceived another letter from MCM stating the information they have is correct and they are uncertain what I am specifically disputing and asked for written explanation and documentation demonstrating any errors in their account information. \n\nI will be responding to this last letter via certified mail and state in simple language I am disputing the total amount billed, and a simple explanation I do not believe I owe the amount being billed. I will again request itemized charges for the amount billed and copy of any signed contract from the original creditor.","date_sent_to_company":"2016-12-28T23:32:49.000Z","issue":"Cont'd attempts collect debt not owed","sub_product":"Other (i.e. phone, health club, etc.)","zip_code":"29203","tags":null,"has_narrative":true,"complaint_id":"2266788","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2016-12-28T23:32:49.000Z","state":"SC","company_public_response":null,"sub_issue":"Debt is not mine"},"highlight":{"complaint_what_happened":["I responded, with <em>certified</em> <em>letter</em> to MCM again requesting itemized <em>charges</em> for billed amount, copy of any signed contract and explained I was <em>disputing</em> the total amount billed and did not believe this was my debit. I requested MCM to contact original creditor to obtain the information I requested."]},"sort":[15.205347,"2266788"]},{"_index":"complaint-public-v1","_id":"5544844","_score":15.192632,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"For the record I have advised Experian on multiple occasions that the reporting of a dispute account was inaccurate. I contacted the creditor directly through certified mail requesting Debt validation with a letter dated XX/XX/XXXX. However, the creditor failed to provide me debt validation. I then attempted to dispute this account through Experian 's Online Dispute center. On XX/XX/XXXX Experian updated their reporting to include late payments on a charge-off. The disputed account was supposedly charged off in XXXX however the results of Experian investigation resulted in them reporting the account as a charge off with late payments as of XX/XX/XXXX. I made my second attempt to have Experian correct their reporting or removal of this account through certified mail with the dated XX/XX/XXXX. This letter also included a copy of the letter I sent to the creditor. Experian later came back with dispute results that still reported the account as a charge-off that was past due as of XX/XX/XXXX. Experian made no attempt to investigate their reporting of this account. I followed up with Experian through certified mail with letter dated XX/XX/XXXX. I included copies of all my attempts with this letter. I also included XXXX findings of this account. On XX/XX/XXXX Experian claims to have investigated and updated the results of their reporting. Instead of doing the right thing and removing this erroneous reporting. Experian buckled down with more erroneous reporting. Experian is now reporting this account as a charge-off with late payments as of XX/XX/XXXX.","date_sent_to_company":"2022-05-05T17:12:13.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30045","tags":"Servicemember","has_narrative":true,"complaint_id":"5544844","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-05-05T17:05:59.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["For the record I have advised Experian on multiple occasions that the reporting of a <em>dispute</em> account was inaccurate. I contacted the creditor directly through <em>certified</em> mail requesting Debt validation with a <em>letter</em> dated XX/XX/XXXX. However, the creditor failed to provide me debt validation. I then attempted to <em>dispute</em> this account through Experian 's Online <em>Dispute</em> center. On XX/XX/XXXX Experian updated their reporting to include late payments on a <em>charge</em>-off."]},"sort":[15.192632,"5544844"]},{"_index":"complaint-public-v1","_id":"2616320","_score":15.16135,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"ON XX/XX/XXXX sent a certified letter signed for on XX/XX/XXXX by a rep by wilshire letter stated I was disputing the alleged account/ charge off/ bad debt of {$4400.00} no respond and no dispute reported on credit reports next certified letter sent on XX/XX/XXXX, signed for on XX/XX/XXXX by rep from Wilshire, no respond to letter and no dispute on credit reports, send 3rd certified letter on XX/XX/XXXX signed for on XX/XX/XXXX by rep from Wilshire no respond from company and no dispute on credit reports. Wilshire did not respond in a timely manner and that they had not provided evidence that the account was mine. Please delete the incorrect information thank you for your help. XXXX XXXX my email is as followed : XXXX","date_sent_to_company":"2017-08-19T01:14:07.000Z","issue":"Received a loan you didn't apply for","sub_product":"Title loan","zip_code":"89145","tags":null,"has_narrative":true,"complaint_id":"2616320","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Westlake Services, LLC","date_received":"2017-08-18T23:45:48.000Z","state":"NV","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["ON XX/XX/XXXX sent a <em>certified</em> <em>letter</em> signed for on XX/XX/XXXX by a rep by wilshire <em>letter</em> stated I was <em>disputing</em> the alleged account/ <em>charge</em> off/ bad debt of {$4400.00} no respond and no <em>dispute</em> reported on credit reports next <em>certified</em> <em>letter</em> sent on XX/XX/XXXX, signed for on XX/XX/XXXX by rep from Wilshire, no respond to <em>letter</em> and no <em>dispute</em> on credit reports, send 3rd <em>certified</em> <em>letter</em> on XX/XX/XXXX signed for on XX/XX/XXXX by rep from Wilshire no respond from company and no <em>dispute</em> on credit"]},"sort":[15.16135,"2616320"]},{"_index":"complaint-public-v1","_id":"8117052","_score":15.086937,"_source":{"product":"Credit card","complaint_what_happened":"I sent a letter certified mail disputing XXXX charges on my Apple credit card. The tracking for the letter was XXXX, it was received in XXXX. The bank never investigated my dispute.","date_sent_to_company":"2024-01-06T17:33:25.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"90069","tags":null,"has_narrative":true,"complaint_id":"8117052","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2024-01-06T17:27:01.000Z","state":"CA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I sent a <em>letter</em> <em>certified</em> mail <em>disputing</em> XXXX <em>charges</em> on my Apple credit card. The tracking for the <em>letter</em> was XXXX, it was received in XXXX. The bank never investigated my <em>dispute</em>."],"sub_product":["General-purpose credit card or <em>charge</em> card"],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[15.086937,"8117052"]},{"_index":"complaint-public-v1","_id":"17166459","_score":15.00823,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year>, I mailed a certified FCRA dispute letter to Equifax ( Tracking # XXXX ). The letter disputed inaccurate charge-offs and collections and requested verification under FCRA 1681i and 1681s-2. USPS tracking shows delivery was attempted XX/XX/year>, and a Reminder to pick up your item notice was issued at the XXXX, GA XXXX Post Office. As of today, the item remains unclaimed. \n\nBy failing to retrieve certified mail for over two weeks, Equifax has effectively delayed and obstructed the reinvestigation process required by the Fair Credit Reporting Act. The 30-day investigation clock begins upon receipt, and this conduct appears intended to delay or avoid compliance. \n\nI am attaching the USPS tracking evidence and my dispute letter. Similar certified disputes sent to XXXX  and XXXX  were accepted promptly. Equifaxs refusal to collect its mail constitutes willful non-compliance and bad-faith handling of consumer disputes. \n\nI request that the CFPB direct Equifax to : Retrieve the certified dispute immediately. \n\nRecognize XX/XX/year>, as the official receipt date. \n\nComplete the reinvestigation within 30 days and delete any unverifiable charge-offs or collections. \n\nConfirm all corrective actions in writing.","date_sent_to_company":"2025-11-11T16:46:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"305XX","tags":null,"has_narrative":true,"complaint_id":"17166459","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-11T16:42:02.000Z","state":"GA","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["On XX/XX/year>, I mailed a <em>certified</em> FCRA <em>dispute</em> <em>letter</em> to Equifax ( Tracking # XXXX ). The <em>letter</em> <em>disputed</em> inaccurate <em>charge</em>-offs and collections and requested verification under FCRA 1681i and 1681s-2. USPS tracking shows delivery was attempted XX/XX/year>, and a Reminder to pick up your item notice was issued at the XXXX, GA XXXX Post Office. As of today, the item remains unclaimed."]},"sort":[15.00823,"17166459"]},{"_index":"complaint-public-v1","_id":"19248785","_score":14.670217,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am submitting this complaint regarding Capital Ones handling of a billing dispute involving continued charges after cancellation of personal training services at XXXX  XXXX. This complaint is submitted not only to seek redress for myself, but also to protect the broader public. Capital Ones handling of the dispute enables continued deceptive practices by a merchant under FTC scrutiny and imposes unnecessary procedural burdens on consumers rather than enforcing billing rules in good faith. \n\nTimeline and actions : XX/XX/XXXX Entered into a 3-month personal training agreement with XXXX XXXX . Contract allows cancellation in person at the front desk, by certified letter, or online. \nXX/XX/XXXX Attempted in-person cancellation at the front desk. Staff refused to process the cancellation, stating I needed to speak with the personal training director, who was not working. \nXX/XX/XXXX Sent written cancellation notice via text message to the personal training XXXX. No acknowledgment received. \nXX/XX/XXXX Despite in-person and text cancellation, XXXX  XXXX charged an additional personal training session of {$280.00}. \nXX/XX/XXXX Contacted personal trainer to confirm cancellation ; trainer acknowledged prior charge and stated that training had been added on XX/XX/XXXX. \nXX/XX/XXXX A second personal training charge of {$280.00} was processed. \nXX/XX/XXXX Sent certified letter demanding cancellation of all services and refund of post-cancellation charges. \nAfter XX/XX/XXXX XXXX  XXXX stopped further personal training charges, indirectly acknowledging reciept of the certified letter. \nBank dispute ( Capital One ) I disputed both post-cancellation personal training charges ( {$280.00} each, on XX/XX/XXXX and XX/XX/XXXX ). Capital One approved one charge and denied the other, despite both charges occurring under identical circumstances. \n\nCapital Ones partial approval, reversal of temporary refund without warning, and requirement for exhaustive documentation to reopen the dispute created an undue burden, and effectively shifted responsibility onto the consumer while siding with a merchant that has already acknowledged partial fault. \n\nAdditional context : Membership charges continued after the certified letter and are being disputed through a different bank, demonstrating an ongoing pattern of unauthorized billing by the merchant.","date_sent_to_company":"2026-02-04T19:13:00.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"32828","tags":null,"has_narrative":true,"complaint_id":"19248785","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-02-04T18:18:33.000Z","state":"FL","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Additional context : Membership <em>charges</em> continued after the <em>certified</em> <em>letter</em> and are being <em>disputed</em> through a different bank, demonstrating an ongoing pattern of unauthorized billing by the merchant."]},"sort":[14.670217,"19248785"]},{"_index":"complaint-public-v1","_id":"19451796","_score":14.616807,"_source":{"product":"Debt or credit management","complaint_what_happened":"I received phone calls prior to XX/XX/XXXX about a debt Receivables Management partners LLC said I owed them. I sent a certified letter requesting debt validation and disputed the charge. The company has failed to provide what I requested and continues to call and harass me. I have proof of the certified letter being sent to the company.","date_sent_to_company":"2026-02-12T16:23:09.000Z","issue":"Unauthorized withdrawals or charges","sub_product":"Debt settlement","zip_code":"83686","tags":null,"has_narrative":true,"complaint_id":"19451796","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Receivables Management Partners, LLC","date_received":"2026-02-12T16:03:41.000Z","state":"ID","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I sent a <em>certified</em> <em>letter</em> requesting debt validation and <em>disputed</em> the <em>charge</em>. The company has failed to provide what I requested and continues to call and harass me. I have proof of the <em>certified</em> <em>letter</em> being sent to the company."],"issue":["Unauthorized withdrawals or <em>charges</em>"]},"sort":[14.616807,"19451796"]},{"_index":"complaint-public-v1","_id":"3665427","_score":14.443225,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I contested a charge with Citi Cards. They sent a letter requesting information and documentation dated XX/XX/20. Though the the date on this letter was XX/XX/20, I received it via USPS on XX/XX/20. I drafted a very detailed response ( 30-pages of documentation ) on XX/XX/20 and submitted it via USPS Certified Mail on XX/XX/20. The USPS Certified Mail return receipt shows they received it on XX/XX/20. \n\nOn XX/XX/20 I received a second letter from Citi Cards informing me they did not receive a complete response. This is factually incorrect. \n\nMy original response regarding the disputed charge included a cover letter, index, and 23 relevant attachments.","date_sent_to_company":"2020-05-23T06:53:47.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"30040","tags":null,"has_narrative":true,"complaint_id":"3665427","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2020-05-23T02:35:32.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["On XX/XX/20 I received a second <em>letter</em> from Citi Cards informing me they did not receive a complete response. This is factually incorrect. \n\nMy original response regarding the <em>disputed</em> <em>charge</em> included a cover <em>letter</em>, index, and 23 relevant attachments."],"sub_product":["General-purpose credit card or <em>charge</em> card"],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[14.443225,"3665427"]},{"_index":"complaint-public-v1","_id":"15645430","_score":14.415428,"_source":{"product":"Debt collection","complaint_what_happened":"Over charge XXXX XXXX {$10.00} I've sent numerous of certified dispute letter for over two years and still no response.","date_sent_to_company":"2025-09-01T18:34:44.000Z","issue":"Attempts to collect debt not owed","sub_product":"Auto debt","zip_code":"32738","tags":null,"has_narrative":true,"complaint_id":"15645430","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SANTANDER HOLDINGS USA, INC.","date_received":"2025-09-01T16:23:30.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["Over <em>charge</em> XXXX XXXX {$10.00} I've sent numerous of <em>certified</em> <em>dispute</em> <em>letter</em> for over two years and still no response."]},"sort":[14.415428,"15645430"]},{"_index":"complaint-public-v1","_id":"15643737","_score":14.415428,"_source":{"product":"Debt collection","complaint_what_happened":"Over charge XXXX XXXX {$10.00} I've sent numerous of certified dispute letter for over two years and still no response.","date_sent_to_company":"2025-09-01T18:34:45.000Z","issue":"Attempts to collect debt not owed","sub_product":"Auto debt","zip_code":"32738","tags":null,"has_narrative":true,"complaint_id":"15643737","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2025-09-01T18:34:20.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["Over <em>charge</em> XXXX XXXX {$10.00} I've sent numerous of <em>certified</em> <em>dispute</em> <em>letter</em> for over two years and still no response."]},"sort":[14.415428,"15643737"]},{"_index":"complaint-public-v1","_id":"13135217","_score":14.41025,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX - sent certified letter to remove old names, non-mailable addresses XXXX - delivered and received mail XXXX - received letter to provide proof of identification XXXX - sent certified letter to remove old names, non-mailable addresses, verify and validate 3 charge offs including copies of recent pay stub and W2 for identification XXXX - delivered and received mail XXXX - checked online and shows disputes have been completed- no confirmation, no updates","date_sent_to_company":"2025-04-23T15:25:45.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"661XX","tags":null,"has_narrative":true,"complaint_id":"13135217","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-23T14:57:31.000Z","state":"KS","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["XXXX - sent <em>certified</em> <em>letter</em> to remove old names, non-mailable addresses XXXX - delivered and received mail XXXX - received <em>letter</em> to provide proof of identification XXXX - sent <em>certified</em> <em>letter</em> to remove old names, non-mailable addresses, verify and validate 3 <em>charge</em> offs including copies of recent pay stub and W2 for identification XXXX - delivered and received mail XXXX - checked online and shows <em>disputes</em> have been completed- no confirmation, no updates"],"sub_issue":["Problem with personal statement of <em>dispute</em>"]},"sort":[14.41025,"13135217"]},{"_index":"complaint-public-v1","_id":"5953138","_score":14.39868,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have reached out to Synchrony Bank/PayPal Credit several times about the {$4500.00} of unauthorized charges and removal of the delinquent payments showing on my credit report due to identity theft. My account has been up to date without any delinquent payments until my identity was stolen in late XX/XX/XXXX. After not getting any satisfaction via telephone, I sent them a dispute letter on XX/XX/XXXX. On XX/XX/XXXX, they responded by attaching monthly billing statements for XXXX and XXXX onlynot showing the unauthorized charges in question. While disputing the unauthorized charges, Synchrony Bank/PayPal Credit continued to charge late fees and assess interest on the disputed balance. \n\nOn XX/XX/XXXX, I sent a certified return receipt response letter asking for verification of charges. This letter was delivered and signed for on XX/XX/XXXX. After no response. I filed an Identity Theft Report with the Federal Trade Commission. On XX/XX/XXXX, I sent a certified return receipt letter and FTC Reportthis letter was delivered and signed for on XX/XX/XXXX. To date, I have not received any information about my dispute. Synchrony Bank/PayPal Credit has mishandled my dispute about identity theft by not acknowledging my complaint and did not provide me with an explanation for rejecting my complaint. Synchrony Bank/PayPal Credit has engaged in unfair acts or practices in violation of the CFPA, 12 U.S.C. 5536 ( a ) ( 1 ) ( B ).","date_sent_to_company":"2022-09-06T22:20:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20770","tags":null,"has_narrative":true,"complaint_id":"5953138","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2022-09-06T21:25:21.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX, they responded by attaching monthly billing statements for XXXX and XXXX onlynot showing the unauthorized <em>charges</em> in question. While <em>disputing</em> the unauthorized <em>charges</em>, Synchrony Bank/PayPal Credit continued to <em>charge</em> late fees and assess interest on the <em>disputed</em> balance. \n\nOn XX/XX/XXXX, I sent a <em>certified</em> return receipt response <em>letter</em> asking for verification of <em>charges</em>. This <em>letter</em> was delivered and signed for on XX/XX/XXXX. After no response."]},"sort":[14.39868,"5953138"]},{"_index":"complaint-public-v1","_id":"2763013","_score":14.356475,"_source":{"product":"Debt collection","complaint_what_happened":"I received a collection letter from the company Virtuoso back on XXXX XXXX XXXX regarding a charge from XXXX. I sent a certified letter on XXXX XXXX XXXX XXXX and also the collection agency. As of today I have never heard from XXXX or the collection agency regarding my dispute letter. Today XXXX XXXX I receive a new collection letter from the company XXXX telling me that XXXX has now turn my account over to them. I contacted XXXX today regarding this letter and they told me they never received my dispute nor anything from the collection agency saying I was disputing it. I have the signed certified receipts showing that both companies receive them. Is n't it a law that the company and the collection agency have to reply to a dispute?","date_sent_to_company":"2017-12-23T05:38:03.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"109XX","tags":null,"has_narrative":true,"complaint_id":"2763013","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"VIRTUOSO SOURCING GROUP, LLC.","date_received":"2017-12-23T00:13:17.000Z","state":"NY","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I received a collection <em>letter</em> from the company Virtuoso back on XXXX XXXX XXXX regarding a <em>charge</em> from XXXX. I sent a <em>certified</em> <em>letter</em> on XXXX XXXX XXXX XXXX and also the collection agency. As of today I have never heard from XXXX or the collection agency regarding my <em>dispute</em> <em>letter</em>. Today XXXX XXXX I receive a new collection <em>letter</em> from the company XXXX telling me that XXXX has now turn my account over to them."]},"sort":[14.356475,"2763013"]},{"_index":"complaint-public-v1","_id":"10769233","_score":14.265707,"_source":{"product":"Debt collection","complaint_what_happened":"Hello, My old apartment complex ( who has received MANY complaints from previous tenants because they keep adding charges AFTER they close your account and they send those false charges to collections ) has submitted a false charge to a debt collections agency. There was no explanation of what these charges are for because I paid off everything on XX/XX/year> when my account with them was closed. I sent a letter through Certified Mail with tracking to I.Q. Data International , Inc. to dispute the debt. They are refusing to receive/sign for my dispute letter.","date_sent_to_company":"2024-11-12T21:39:13.000Z","issue":"Written notification about debt","sub_product":"Rental debt","zip_code":"60626","tags":null,"has_narrative":true,"complaint_id":"10769233","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"T.S. Holdings","date_received":"2024-11-12T21:26:21.000Z","state":"IL","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Data International , Inc. to <em>dispute</em> the debt. They are refusing to receive/sign for my <em>dispute</em> <em>letter</em>."]},"sort":[14.265707,"10769233"]},{"_index":"complaint-public-v1","_id":"14022532","_score":14.260508,"_source":{"product":"Credit card","complaint_what_happened":"wrote to the company with a certified letter to dispute multiple charges of {$100.00} to my Avant credit card totaling {$900.00}. I received an inane email response that made no sense but the charges and finance charges are still on my billI. I have enclosed a copy of the highlighted charges that were charged to my credit card. In addition, I never authorized the charges and I have no idea where they came from. \n\nNone of the remainder of the {$100.00} charges to someplace in XXXX XXXX, NJ were with my permission. \n\n\n\nI am requesting that the errors be corrected, that any finance charges or other charges related to the disputed amounts be credited to my account, and I receive an accurate statement. They canceled my old credit card and issued me a new card but the XXXX {$100.00} charges are still there and I am also being charged finance charges. \n\n\n\nI have sent them a certified letter and called 3 times with no resolution. I have also contacted the XXXX XXXX XXXX \n\n\n\nEnclosed is a copy of the charges highlighted supporting my position. Please correct the errors on my account promptly. \n\n\n\nI appreciate your help with this matter and your help getting my refund as quickly as possible.","date_sent_to_company":"2025-06-11T19:30:42.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"490XX","tags":"Older American","has_narrative":true,"complaint_id":"14022532","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Avant Holding Company, Inc.","date_received":"2025-06-11T19:22:24.000Z","state":"MI","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["wrote to the company with a <em>certified</em> <em>letter</em> to <em>dispute</em> multiple <em>charges</em> of {$100.00} to my Avant credit card totaling {$900.00}. I received an inane email response that made no sense but the <em>charges</em> and finance <em>charges</em> are still on my billI. I have enclosed a copy of the highlighted <em>charges</em> that were charged to my credit card. In addition, I never authorized the <em>charges</em> and I have no idea where they came from."],"sub_product":["General-purpose credit card or <em>charge</em> card"],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[14.260508,"14022532"]},{"_index":"complaint-public-v1","_id":"3637876","_score":14.230418,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2019, I mailed a certified letter with supporting documents to XXXX  disputing the account status of two accounts that were included in bankruptcy. Both accounts are currently reported at Charge Off which is inaccurate, since the two account were included in my bankruptcy. ( USPS tracking # XXXX shows that the letter was delivered on XX/XX/2019 ). Ive disputed the accounts twice, and XXXX   refused to correct the account information. Instead, XXXX  entered a comment on both accounts that states \" consumer disputes account ''. \n\nOn XX/XX/2019, I mailed a certified letter with supporting documents to Experian disputing the account status of two accounts that were included in bankruptcy. Both accounts are currently reported at Charge Off which is inaccurate, since the two account were included in my bankruptcy. ( USPS tracking # XXXX shows that the letter was delivered on XX/XX/2019 ). Ive disputed the accounts twice, and Experian refused to correct the account information. \n\nXXXX  is the only credit bureau that is accurately reporting the two accounts at issue. My XXXX  credit report shows that the XXXX and XXXX accounts were both included in bankruptcy","date_sent_to_company":"2020-05-05T19:46:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89113","tags":null,"has_narrative":true,"complaint_id":"3637876","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-05-05T19:46:38.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["On XX/XX/2019, I mailed a <em>certified</em> <em>letter</em> with supporting documents to XXXX  <em>disputing</em> the account status of two accounts that were included in bankruptcy. Both accounts are currently reported at <em>Charge</em> Off which is inaccurate, since the two account were included in my bankruptcy. ( USPS tracking # XXXX shows that the <em>letter</em> was delivered on XX/XX/2019 ). Ive <em>disputed</em> the accounts twice, and XXXX   refused to correct the account information."]},"sort":[14.230418,"3637876"]},{"_index":"complaint-public-v1","_id":"3637867","_score":14.224615,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2019, I mailed a certified letter with supporting documents to Equifax disputing the account status of two accounts that were included in bankruptcy. Both accounts are currently reported at Charge Off which is inaccurate, since the two account were included in my bankruptcy. ( USPS tracking # XXXX shows that the letter was delivered on XX/XX/2019 ). Ive disputed the accounts twice, and Equifax refused to correct the account information. Instead, Equifax entered a comment on both accounts that states \" consumer disputes account ''. \n\nOn XX/XX/2019, I mailed a certified letter with supporting documents to XXXX  disputing the account status of two accounts that were included in bankruptcy. Both accounts are currently reported at Charge Off which is inaccurate, since the two account were included in my bankruptcy. ( USPS tracking # XXXX shows that the letter was delivered on XX/XX/2019 ). Ive disputed the accounts twice, and XXXX  refused to correct the account information. \n\nXXXX  is the only credit bureau that is accurately reporting the two accounts at issue. My XXXX   credit report shows that the XXXX and XXXX accounts were both included in bankruptcy","date_sent_to_company":"2020-05-05T19:46:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89113","tags":null,"has_narrative":true,"complaint_id":"3637867","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-05-05T19:18:54.000Z","state":"NV","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["On XX/XX/2019, I mailed a <em>certified</em> <em>letter</em> with supporting documents to Equifax <em>disputing</em> the account status of two accounts that were included in bankruptcy. Both accounts are currently reported at <em>Charge</em> Off which is inaccurate, since the two account were included in my bankruptcy. ( USPS tracking # XXXX shows that the <em>letter</em> was delivered on XX/XX/2019 ). Ive <em>disputed</em> the accounts twice, and Equifax refused to correct the account information."]},"sort":[14.224615,"3637867"]},{"_index":"complaint-public-v1","_id":"9657363","_score":14.201838,"_source":{"product":"Credit card","complaint_what_happened":"ON XX/XX/XXXX I RECEIVED A CHARGE OF {$1800.00} ON MY CREDIR CARD NUMBER ENDING IN XXXX. I DISPUTED THE CHARGE AND RECEIVED A NEW CARD ENDING IN XXXX. THE DISPUTE WAS DENIED ON XX/XX/XXXX BY XXXXITIBANK. I SENT A CERTIFIED LETTER WITH MY ATTORNEY ON XX/XX/XXXX. I HAVE NOT RECEIVED ANY RESPONSE","date_sent_to_company":"2024-08-02T16:20:02.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"331XX","tags":null,"has_narrative":true,"complaint_id":"9657363","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-07-30T17:36:48.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["ON XX/XX/XXXX I RECEIVED A <em>CHARGE</em> OF {$1800.00} ON MY CREDIR CARD NUMBER ENDING IN XXXX. I <em>DISPUTED</em> THE <em>CHARGE</em> AND RECEIVED A NEW CARD ENDING IN XXXX. THE <em>DISPUTE</em> WAS DENIED ON XX/XX/XXXX BY XXXXITIBANK. I SENT A <em>CERTIFIED</em> <em>LETTER</em> WITH MY ATTORNEY ON XX/XX/XXXX. I HAVE NOT RECEIVED ANY RESPONSE"]},"sort":[14.201838,"9657363"]},{"_index":"complaint-public-v1","_id":"2998493","_score":14.176976,"_source":{"product":"Debt collection","complaint_what_happened":"Telephoned the collection agency in XX/XX/2018 and disputed the debt. Did not accept that I do not owe this debt. Have no idea why they are charging me and now it is on my credit reports.Just mailed out a certified letter asking for them to show me proof of the charges","date_sent_to_company":"2018-08-28T18:23:52.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Other debt","zip_code":"85226","tags":null,"has_narrative":true,"complaint_id":"2998493","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"I.C. System, Inc.","date_received":"2018-08-23T03:30:54.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["Telephoned the collection agency in XX/XX/2018 and <em>disputed</em> the debt. Did not accept that I do not owe this debt. Have no idea why they are <em>charging</em> me and now it is on my credit reports.Just mailed out a <em>certified</em> <em>letter</em> asking for them to show me proof of the <em>charges</em>"]},"sort":[14.176976,"2998493"]},{"_index":"complaint-public-v1","_id":"2981391","_score":14.141483,"_source":{"product":"Debt collection","complaint_what_happened":"Hunter Warfield is attempting to collect a misrepresented amount. They are trying to collect interest, fees and other charges on top of the amount that was originally owed. This debt is a joint debt. I sent Hunter Warfield a letter in which the XXXX XXXX leasing office signed paperwork for me to move out to a different apartment. I disputed this charge and sent XXXX XXXX a 30-day demand letter to which I never received a response. This letter was emailed and sent certified mail.","date_sent_to_company":"2018-08-03T14:21:56.000Z","issue":"False statements or representation","sub_product":"Other debt","zip_code":"33029","tags":null,"has_narrative":true,"complaint_id":"2981391","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HW Holding, Inc","date_received":"2018-08-03T13:43:45.000Z","state":"FL","company_public_response":"Company believes complaint represents an opportunity for improvement to better serve consumers","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["They are trying to collect interest, fees and other <em>charges</em> on top of the amount that was originally owed. This debt is a joint debt. I sent Hunter Warfield a <em>letter</em> in which the XXXX XXXX leasing office signed paperwork for me to move out to a different apartment. I <em>disputed</em> this <em>charge</em> and sent XXXX XXXX a 30-day demand <em>letter</em> to which I never received a response. This <em>letter</em> was emailed and sent <em>certified</em> mail."]},"sort":[14.141483,"2981391"]},{"_index":"complaint-public-v1","_id":"2852679","_score":14.126263,"_source":{"product":"Debt collection","complaint_what_happened":"XX/XX/16 I sent a certified letter to this company disputing this charge and demanding validation of this debt - they did not send prof of debt with this company, they sent something with a different company.","date_sent_to_company":"2018-03-23T21:54:03.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"2852679","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ad Astra Recovery Services Inc","date_received":"2018-03-23T20:43:46.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["XX/XX/16 I sent a <em>certified</em> <em>letter</em> to this company <em>disputing</em> this <em>charge</em> and demanding validation of this debt - they did not send prof of debt with this company, they sent something with a different company."]},"sort":[14.126263,"2852679"]},{"_index":"complaint-public-v1","_id":"15510640","_score":14.111418,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Complaint Regarding Disputed Interest Charges FCBA Consumer Information : Name : XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, CT XXXX Phone : XXXX Email : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Problem Summary : I sent a dispute for interest charges via certified mail on XX/XX/year> ( tracking number : XXXX ). The dispute concerns {$3600.00} in retroactive interest charges applied to my account following the expiration of a XXXX deferred interest promotional plan. \nThe undisputed balance of my account was {$820.00}, which I have paid in XXXX transactions : {$300.00} on XX/XX/XXXX and {$520.00} on XX/XX/XXXX, fully covering the undisputed portion. \nDespite sending the dispute, representative XXXX ( # XXXX ) informed me by phone that they do not accept disputes, which contradicts the Fair Credit Billing Act ( FCBA ), protecting my right to dispute incorrect billing charges. \nActions Taken : Sent dispute via certified mail with tracking number Paid the undisputed portion ( {$300.00} + {$520.00} ) Called the bank to notify them of the dispute and confirm the balance Retained all evidence : certified mail receipt, payment records, dispute letter, call notes Specific Issue I Want Resolved : That XXXX XXXX XXXX  acknowledges and processes my dispute for the {$3600.00} in retroactive interest charges That the disputed portion does not generate additional fees or negatively affect my credit history while under investigation That I am provided clear documentation showing that I was properly notified of the promotional plan expiration date and deferred interest terms That the bank adjusts my account according to the law if the charges are found to be applied incorrectly Attached Evidence : Copy of certified mail and tracking number Dispute letter sent to the bank Payment receipts for {$300.00} and {$520.00} Related account statements Call notes with representative XXXX ( # XXXX ) Requested Action from CFPB : Review the dispute and ensure XXXX XXXX XXXX  complies with the XXXX Ensure that the disputed charges do not accrue additional fees or affect my credit history until the dispute is resolved Sincerely, XXXX XXXX XXXX XXXX XXXX Email : XXXX Phone : XXXX","date_sent_to_company":"2025-09-04T13:14:03.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"067XX","tags":null,"has_narrative":true,"complaint_id":"15510640","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2025-08-25T15:58:34.000Z","state":"CT","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Actions Taken : Sent <em>dispute</em> via <em>certified</em> mail with tracking number Paid the undisputed portion ( {$300.00} + {$520.00} ) Called the bank to notify them of the <em>dispute</em> and confirm the balance Retained all evidence : <em>certified</em> mail receipt, payment records, <em>dispute</em> <em>letter</em>, call notes Specific Issue I Want Resolved : That XXXX XXXX XXXX  acknowledges and processes my <em>dispute</em> for the {$3600.00} in retroactive interest <em>charges</em> That the <em>disputed</em> portion does not generate additional fees or negatively"]},"sort":[14.111418,"15510640"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":4804,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":4804}]}},"product":{"doc_count":4804,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt collection","doc_count":1479,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":404},{"key":"Credit card debt","doc_count":334},{"key":"Other debt","doc_count":267},{"key":"Medical debt","doc_count":144},{"key":"Rental debt","doc_count":113},{"key":"Auto debt","doc_count":59},{"key":"Other (i.e. phone, health club, etc.)","doc_count":37},{"key":"Medical","doc_count":26},{"key":"Mortgage debt","doc_count":22},{"key":"Telecommunications debt","doc_count":19},{"key":"Credit card","doc_count":16},{"key":"Federal student loan debt","doc_count":13},{"key":"Payday 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