{"took":128,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":61,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"8799664","_score":23.1612,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I can not unfreeze my credit report via equifax 's website. I receive the following msg. \n\" Please give us a call We can't complete your request at this time. \nPlease call the Customer Care team XXXX ( XXXX ) '' When I called the number ( which is tremendously cumbersome and slow phone system ( to slow consumers ... ) ), after a long wait they told me the system is \" down ''. This happens many times for a lot of people. \n\nThat's an absurd! We are in 2024 and their systems should very rarely be down with all the advanced Cloud Computing and Redundancy strategies that can be used etc. In fact, they should be under compliance requirements with XXXX ( for XXXX XXXX ) and are under a lot of other cyber and information systems management regulations to do not prevent consumers to get what they need, when they need it!","date_sent_to_company":"2024-04-18T17:43:14.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"334XX","tags":null,"has_narrative":true,"complaint_id":"8799664","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-04-18T17:28:48.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I can not unfreeze my credit report via equifax 's <em>website</em>. I receive the following msg. \n\" Please give us a call We can't complete <em>your</em> request at this time. \nPlease call the Customer Care team XXXX ( XXXX ) '' When I called the number ( which is tremendously cumbersome and <em>slow</em> phone system ( to <em>slow</em> consumers ... ) ), after a long wait they told me the system is \" <em>down</em> ''. This happens many times for a lot of people. \n\nThat's an absurd!"]},"sort":[23.1612,"8799664"]},{"_index":"complaint-public-v1","_id":"8513275","_score":20.523296,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Chime.com is an obvious fraud. They bought my information to send me a text early in the morning. Worried about fraud they offered a phone number online. A real person picks up that asks for your name and ssn. I refused. She transferred me to another \" higher '' department where I was hung up on. I went to their website, no option to close account. Download their app on XXXX XXXX, change my password in case it's real, try to close account and it only allows u to talk to another \" rep '' that can't close your account without ssn/dob. Also their chat option starts to slow your phone down to frustrate you into providing the information. They are likely printing fake cards as a fake company to defraud the banking industry a small amount at a time that the bank would likely just write off because it isn't worth pursuing. Send a man to close down their po box at least. Send a computer guy to hack their stuff. I'm doing my part. This is one of the best phishing attempts I've ever seen. I hope someone in your office can do something about this. \n\nChime XXXX XXXX XXXX XXXX XXXX, CA XXXX","date_sent_to_company":"2024-03-13T13:07:09.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"XXXXX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"8513275","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2024-03-09T18:49:13.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["A real person picks up that asks for <em>your</em> name and ssn. I refused. She transferred me to another \" higher '' department where I was hung up on. I went to their <em>website</em>, no option to close account. Download their app on XXXX XXXX, change my password in case it's real, try to close account and it only allows u to talk to another \" rep '' that can't close <em>your</em> account without ssn/dob. Also their chat option starts to <em>slow</em> <em>your</em> phone <em>down</em> to frustrate you into providing the information."]},"sort":[20.523296,"8513275"]},{"_index":"complaint-public-v1","_id":"3675638","_score":17.58321,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2020 we were turned down by XXXX XXXX XXXX XXXX after trying to open an IRA account with them. One of the reasons we were turned down was \" AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH ''. \n\nEquifax was designated as the source of this information. I pulled my Equifax credit report and found that it had identical \" High Credit '' amounts listed month after month that were wildly inflated on two different revolving accounts. I contacted both creditors and asked about the information they had supplied to Equifax and the numbers they related to me had no correspondence with what Equifax reported. I opened a dispute with Equifax by phone ( their website is ALWAYS down ). \n\nOn XX/XX/2020, I received an email from Equifax stating that my credit report dispute had been resolved. Again the website was down. I called the number on the screen and an automated voice said that \" one of your five issues was changed. '' I eventually got through to a customer service person who was only capable of apologizing and offering to start a new dispute. As it turns out, nothing whatsoever had been corrected even though both my credit cards said that they had sent them fresh correct data. \n\nThe fact that I had the same incorrect ( and physically impossible ) data reported from two unrelated creditors makes me certain that the error is in Equifaxe 's computer systems. Their customer service reps refuse to acknowledge any problem on Equifaxe 's part and blames the two separate, unrelated creditors for the exact same error on two different accounts. \n\nThe fact that Equifax will not acknowledge a problem in their computer systems means that they have no intention of even trying to fix the problem. Their standard solution is : 1. Put in a dispute. \n2. Do nothing, but report the dispute as resolved. \n3. Tell the consumer to submit another dispute I am in the slow process of getting printed documentation to send to an address that the customer service rep told me was the executive office of Equifax, but I doubt if it will accomplish anything. In the meantime, I am unable to open an IRA, out of fear of rejection due to Equifax 's misreporting of my financial situation. \n\nThank you. \nXXXX XXXX","date_sent_to_company":"2020-05-30T16:00:27.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"22655","tags":"Older American","has_narrative":true,"complaint_id":"3675638","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-05-30T15:12:34.000Z","state":"VA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I opened a dispute with Equifax by phone ( their <em>website</em> is ALWAYS <em>down</em> ). \n\nOn XX/XX/2020, I received an email from Equifax stating that my credit report dispute had been resolved. Again the <em>website</em> was <em>down</em>. I called the number on the screen and an automated voice said that \" one of <em>your</em> five issues was changed. '' I eventually got through to a customer service person who was only capable of apologizing and offering to start a new dispute."],"sub_issue":["Their investigation did not fix an error on <em>your</em> report"]},"sort":[17.58321,"3675638"]},{"_index":"complaint-public-v1","_id":"1464660","_score":16.145035,"_source":{"product":"Credit card","complaint_what_happened":"Back in XXXX of 2013, I came in to contact with a company called XXXX XXXX talked with several people. I do n't remember all their names but XXXX was the last one I spoke with. The bottom line was that I could quickly be found on the first page by XXXX Search, that I could finance the costs and make money to pay off the finance chargers. They asked me how much I wanted to make per month and I said {$4000.00} to {$5000.00}. They said that would be no problem. After signing the contract, I became very disappointed in the first coach : XXXX ( XXXX & lt ; XXXXXXXXXXXX & gt ; ) It just did n't seem like he knew what he was doing and it became obvious that he did n't have a successful online business. I was switched to XXXX ( XXXXXXXXXXXX ). He was better but was really grouchy. I offered my complaints about XXXX XXXX and a few other issues. He did n't want to hear about them. The start with him slow but we finally got to a point where he started on the website. He and some helper made a first pass and then asked for changes. I provided a list but there was no action. Once then all of a sudden he was gone and the XXXX was shut down. I had a partially built website that was incorrect in many ways. I contacted XXXX and with their help built the website myself. To date, the entire operation is a loss. I feel taken advantage by this company which is in cahoots with several other online businesses scammers, they prey on unsuspecting consumers these career criminals even go to the extreme of dragging you outside of your 60-120 day grace period to dispute the charge with the Credit Card Company or bank account with guarantees of success and profitable returns. I feel that this falls under the claims and defense guidelines that state that you have anywhere from 365 to 540 days to respond, if services were not rendered as described. I have tried to reach out to the merchant on several occasions, but it was to no avail. I really need my credit card company to look into remedying this situation. I need this to be taken care ASAP.","date_sent_to_company":"2015-07-13T15:41:17.000Z","issue":"Billing disputes","sub_product":null,"zip_code":"84084","tags":"Older American","has_narrative":true,"complaint_id":"1464660","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2015-07-13T15:41:16.000Z","state":"UT","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The start with him <em>slow</em> but we finally got to a point where he started on the <em>website</em>. He and some helper made a first pass and then asked for changes. I provided a list but there was no action. Once then all of a sudden he was gone and the XXXX was shut <em>down</em>. I had a partially built <em>website</em> that was incorrect in many ways. I contacted XXXX and with their help built the <em>website</em> myself. To date, the entire operation is a loss."]},"sort":[16.145035,"1464660"]},{"_index":"complaint-public-v1","_id":"17954031","_score":15.475508,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"The CEO of this company XXXX has been served with multiple litigations on this subject already. On top of an audit as of last year. Conveniently, when their \" Hired '' postings ceased. Their predatory tactics are no stranger to scrutiny on a governmental level. Their own students vouching on incomers staying far, far away. I have withdrawn from the whole course, and still I receive a notification warning me that XXXX has viewed my XXXX profile. They are keeping tabs. \nTheir program is such : You pay us XX/XX/XXXXXXXX, take our program, and we guarantee you a job or your money back. Simple right? \nOnly all their staff have slowly pulled out ( jumped ship ) for reasons unbeknownst to anybody. Leaving students like myself falling behind on an already barebones curriculum that implores students to make use of resources they have exported to other websites for little effort on their tiny fractured team of \" learner assistants ''. Most of which have left, of course. Then they say \" You may withdraw from a program without owing any tuition or penalty before the last class of XXXX XXXX ''. XXXX XXXX being simple introductory basics easily blown through in short time before one can fully recognize the clear shortcomings of their program. It's quite simply a trap. \nTheir website interface throughout the course of my enrollment, has been nothing short of abysmal. XXXX blackout resulted in a month+ long cessation of interface. This has occurred a XX/XX/XXXX time at which they have threatened anyone reporting on them with expulsion. I have already filed a XX/XX/XXXX report. They have completely ignored it. At XXXX point. my mere logging-in of their \" portal '' caused my entire progress in the course to delete, effectively taking me back to square XXXX. What sort of legitimate institution allows for such a buggy interface? \nVocational programs do not operate on start-and-stop method, unless of course .. it's primary school and by reason of seasonal shifts. Constant interruption of studies have deemed this curriculum null. This program has derailed all of my progress with a month long hiatus wherein their MAIN website portal went down. This isn't even mentioning that their introductory website, and I'm referring to the front page ( not even the actual coursework portal ) redirected users to an error page. If that doesn't scream opportunistic thieves, i don't know what does. The entirety of students had to stop all of their learning processes and wait for further instruction during this blackout. Upon logging in for the last time, the portals were yet again .. down for \" maintenance ''. This was when i decided to take action. Who could predict such indolence on their behalf? \nA student can not complete their coursework on this basis of repetitive technological blackouts ( ironic considering the very nature of my path was data analytics ), and insufficient and incompetent personnel. This program is very clearly attempting to scam their students, and my time can be allocated toward more accredited university endeavors. The very existence of such an instution is open-air, or rather, cloud-based thievery.","date_sent_to_company":"2025-11-22T02:51:09.000Z","issue":"Problem with additional add-on products or services","sub_product":"Installment loan","zip_code":"85297","tags":null,"has_narrative":true,"complaint_id":"17954031","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Climb Credit Inc.","date_received":"2025-11-22T01:26:55.000Z","state":"AZ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Vocational programs <em>do</em> not operate on start-and-stop method, unless of course .. it's primary school and by reason of seasonal shifts. Constant interruption of studies have deemed this curriculum null. This program has derailed all of my progress with a month long hiatus wherein their MAIN <em>website</em> portal went <em>down</em>. This isn't even mentioning that their introductory <em>website</em>, and I'm referring to the front page ( not even the actual coursework portal ) redirected users to an error page."]},"sort":[15.475508,"17954031"]},{"_index":"complaint-public-v1","_id":"10945060","_score":15.474012,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"XXXX Dear Consumer Financial Protection Bureau, This matter concerns my lease of a XXXX  XXXX ( XXXX, XXXX  ) secured from XXXX XXXX ( Florida ). \n\nSoutheast Toyota Finance ( SETF ) has a strange website notice which reads : Southeast Toyota Finance will not receive immediate notice of payments you make online. To avoid potential repossession of the vehicle, please contact us before you make an online payment, XXXX. \n\nSoutheast Toyota Finance ( SETF ) website claims I owe {$2000.00}, but the monthly payments are just over {$650.00} and as I recall I made payments through XX/XX/XXXX and have only missed payments in XXXX and XX/XX/XXXX. Therefore the amount due is actually closer to {$1300.00} ( not {$2000.00} in my estimation ) as I understand. \n\nThe problem is the Southeast Toyota Finance ( SETF ) website does not allow me to see my past payment history to make accurate calculations and computations, regarding what needs to be paid and what is past due. \n\nXXXX XXXX XXXX  Account # : XXXX VIN : XXXX I want to make a payment for {$650.00} today ( normal monthly payment today ), but can not because SETF is trying to force a {$2000.00} payment from me, which appears to have excessive fees I did not agree to and can not dispute as SETF will not reply to my emails. My USA phone is presently not working and I am outside the country in XXXX. I also can not see my payment history on the SETF website. \n\nBecause SETF is not reducing my money owed to them after I make payments on its website, I am concerned about CONSUMER FRAUD and am filing a complaint with the XXXX XXXX XXXX to ensure SETF updates their financial records before forcing me to make double and triple payments above and beyond what I am required to pay. \n\nI am a poorly paid school teacher living on a small salary. \n\nI am asking SETF to update its financial records on my account and its website to allow me to see my payment history. Moreover, when I make an online payment on SETFs website, I want it to allow me to do so in part and not require me to pay an excess amount of {$2000.00} Thirdly, the XXXX XXXX  has squeaking breaks, although only XXXX miles and the technicians at XXXX XXXX have not been able to identify the problem upon evaluating the vehicle three times already ; leaving me to believe this vehicle has irreparable manufacture defects and is a lemon. \n\nFourthly, I currently have an XXXX  XXXX, which I recently learned about from my doctor when I was evaluated via an XXXX XXXX and must slow down my pace of life to care for and attend to my health. Of course I will continue working, but need some grace and patience from SETF while I adjust my work and lifestyle so I do not prematurely drop dead. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Sincere thanks for your kind assistance and intervention. \n\nRespectfully with gratitude. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-11-28T05:41:22.000Z","issue":"Managing the loan or lease","sub_product":"Lease","zip_code":"34711","tags":null,"has_narrative":true,"complaint_id":"10945060","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"World Omni Financial Corp.","date_received":"2024-11-28T05:29:54.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem with fees charged"},"highlight":{"complaint_what_happened":["Fourthly, I currently have an XXXX  XXXX, which I recently learned about from my doctor when I was evaluated via an XXXX XXXX and must <em>slow</em> <em>down</em> my pace of life to care for and attend to my health. Of course I will continue working, but need some grace and patience from SETF while I adjust my work and lifestyle so I <em>do</em> not prematurely drop dead. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Sincere thanks for <em>your</em> kind assistance and intervention. \n\nRespectfully with gratitude."]},"sort":[15.474012,"10945060"]},{"_index":"complaint-public-v1","_id":"11483896","_score":14.202536,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have an active account with Experian. I do check my credit report and XXXX XXXX every month because the credit companies have more and more inaccurate information show up on my credit lately. \n\nI checked my credit report on XX/XX/XXXX and saw that my XXXX XXXX had dropped not XXXX, XXXX or even XXXX points but a whole XXXX points. I have never had this happen before in over 10 years only while trying to get my credit together. For someone working hard to get and maintain good credit, that is a lot. When I looked into, all it said was, \" Comparing Reports from XX/XX/XXXX, to XX/XX/XXXX, the balance of XXXX of your Self-Reported Utility account increased by {$53.00}. I assume they were talking about the Experian XXXX that I have put in utility bill manually to boost my XXXX XXXX. While there were a few problems with this. So, on XX/XX/XXXX, I called Experian XXXX times! Unless you say the right word the automative system does not connect you. I spoke to XXXX different people and the wasn't until the sixth one, that I got through. She suggested that I do a XXXX way on the phone with the number she had given me because I told her I didn't know what words to say to get a live person. She stayed on the phone with me, told me words to say and I finally got a live person. \n\nNumber XXXX, they didn't list the company or utility that this increase came from. XXXX, boost is not supposed to affect my XXXX XXXX as they as only supposed to report added accounts in good standard and monitor how many times that company is recorded as paid so I can get credit from that. Third, if this was a utility bill, why or when are they reporting utility bills, as they fluctuate up and down all the time. The whole idea of XXXX is to give them information on your utilities to help boost your credit not decrease your credit. I told they representative I could not file a complaint because Experian didn't list the name of the company in question. By the way, I did check all of the Self-Reporting enters I did, and all read in XXXX XXXX. So that is why I call they. The Experian XXXX told me that she sees what I am talking about but can't help me because they don't have any control of the credit scores going up or down. I told her I disagree. Someone put information in my credit report about a utility bill increasing and the only one that does that is Experian XXXX. She said she can't see what company it was and there is no one authorize to give credit advise and anything. I asked her how am I to dispute with inaccurate information that is lowering my credit a lot at XXXX time. She replied she didn't know how to help me. We kept going around in circles, so I hung up. \n\nSo, since I didn't know what company Experian was talking about and neither did they, I got back on Experian website and deleted all the utilities that I reported information on to Experian. The next day on XX/XX/XXXX, my score downed another XXXX points! \n\nMy you, my XXXX XXXX was XXXX now it is XXXX and slowly dropping for no reason. I have worked hard keeping it in good standard. If Experian can't and won't tell me how I can fix the problem, how can I find out where this is coming from so my credit won't suffer any more lost?","date_sent_to_company":"2025-01-12T02:24:20.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"89108","tags":null,"has_narrative":true,"complaint_id":"11483896","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-12T01:13:04.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["So, since I didn't know what company Experian was talking about and neither did they, I got back on Experian <em>website</em> and deleted all the utilities that I reported information on to Experian. The next day on XX/XX/XXXX, my score <em>downed</em> another XXXX points! \n\nMy you, my XXXX XXXX was XXXX now it is XXXX and <em>slowly</em> dropping for no reason. I have worked hard keeping it in good standard."]},"sort":[14.202536,"11483896"]},{"_index":"complaint-public-v1","_id":"12127916","_score":13.863999,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"This is the FIFTH REQUEST to have this scammed fraudulent loan cancelled for solar panels that were scammed on SENIOR CITIZENS under persuasive measures to have solar panels installed on a our home and promising a {$7800.00} rebate in addition to having {$80.00} PAYMENT AND AND A XXXX XXXX XXXX. \nTHESE PROMISES WERE NOT KEPT AND THE SOLAR COMPANY, XXXX XXXX IS BANKRUPT AS ON XX/XX/XXXX. \nWE ARE PAYING UNDER PROTEST PER OUR ATTORNEY AND THE XXXX, HOWEVER WE ARE SENIOR CITIZENS LIVING ON SS AND FIXED INCOME. Since then, this scam has been victimized by hundreds of thousands of victims in various states and nothing has been rectified. \nNext step, I will be contacting the XXXX of the XXXX XXXX  office to explain this issue and explaining that your company has NOT resolved this issue. \nIn addition, I am continuing to insist that my loan be cancelled, and all my protested payments be refunded. \nDividend Finance and Fifth Third Bank are well aware of the hardships bestowed upon the solar customers as they partnered with XXXX XXXX and Dividend Fifth third bank are backing down saying we signed contracts, but these contracts are invalid!!!. \n\nFYI below : From : XXXX To : XXXX Wed, XX/XX/XXXX at XXXX PM Dear XXXX XXXX, The Office of the Attorney General of Florida has received your communication regarding your concerns with Vision Solar and we thank you for conducting a follow up. \n\nThe Attorney Generals Office is concerned with all potentially unfair and deceptive trade practices. In general, our office uses complaints such as yours to identify patterns of questionable business practices which may indicate the need for formal investigation or action by our office to protect the broad public interest.\n\nWe take consumer complaints very seriously. Our office has an open investigation and if we require any additional information regarding your specific complaint, we will contact you.\n\nPlease understand that civil investigations can be a slow process and for legal reasons this office may not always be able to provide detailed information regarding the investigation or litigation of this case. While this office strives to obtain restitution for victimized consumers, restitution is not guaranteed and may be impossible in some cases. In the event that restitution does become available consumers will be notified.\n\nAgain, we thank you for bringing this matter to our attention. Often, it is only through correspondence from concerned citizens that this office becomes aware of consumer problems.\n\nSincerely, Office of the Attorney General Consumer Protection Division PLEASE DO NOT REPLY TO THIS E-MAIL. THIS ADDRESS IS FOR PROCESSING ONLY. \n\nTo contact this office please visit the Attorney General 's website at XXXX and complete the on-line contact form. \n________________________________________________________ INTERNET MESSAGE RECEIVED BY THE ATTORNEY GENERAL 'S OFFICE ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Phone : ( XXXX ) XXXX Email : XXXX Subject : Solar Fraud and Senior Citizen RE : XXXX XXXX and Dividend Finance Fifth Third Bank XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Website : https : XXXX Transaction Date : XX/XX/XXXX Amount Paid : XXXX Payment Method : Personal Check or Bank Debit On XX/XX/XXXX our XXXX XXXX XXXX XXXX XXXX complaint against Vision Solar for fraudulent practices involving Solar Panel Sales. We are senior citizens that have been scammed by this company which is now bankrupt. Fifth Third Bank and Dividend Finance are the lender partners of XXXX XXXX and knew about the circumstances. My question is, has anything been resolved? Thank you for your reply. \nRe : From the Florida Attorney General 's Office From XXXX To Cc XXXX Re : From the Florida Attorney General 's Office On Wednesday, XX/XX/XXXX at XXXXXXXX XXXX XXXX XXXX wrote : Dear XXXX XXXX XXXX The Office of the Attorney General of Florida has received your communication regarding your concerns with Vision Solar and we thank you for conducting a follow up. \n\nThe Attorney Generals Office is concerned with all potentially unfair and deceptive trade practices. In general, our office uses complaints such as yours to identify patterns of questionable business practices which may indicate the need for formal investigation or action by our office to protect the broad public interest.\n\nWe take consumer complaints very seriously. Our office has an open investigation and if we require any additional information regarding your specific complaint, we will contact you.\n\nPlease understand that civil investigations can be a slow process and for legal reasons this office may not always be able to provide detailed information regarding the investigation or litigation of this case. While this office strives to obtain restitution for victimized consumers, restitution is not guaranteed and may be impossible in some cases. In the event that restitution does become available consumers will be notified.\n\nAgain, we thank you for bringing this matter to our attention. Often, it is only through correspondence from concerned citizens that this office becomes aware of consumer problems. \n\nSincerely, Office of the Attorney General Consumer Protection Division PLEASE DO NOT REPLY TO THIS E-MAIL. THIS ADDRESS IS FOR PROCESSING ONLY. \n\nTo contact this office please visit the Attorney General 's website at www.myfloridalegal.com and complete the on-line contact form. \n________________________________________________________ INTERNET MESSAGE RECEIVED BY THE ATTORNEY GENERAL 'S OFFICE ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Email : XXXX Subject : Solar Fraud and Senior Citizen RE : XXXX XXXX and Dividend Finance Fifth Third Bank XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX Website : https : XXXX Transaction Date : XX/XX/XXXX Amount Paid : XXXX Payment Method : Personal Check or Bank Debit On XX/XX/XXXX our XXXX XXXX XXXX filed a complaint against Vision Solar for fraudulent practices involving Solar Panel Sales. We are senior citizens that have been scammed by this company which is now bankrupt. Fifth Third Bank and Dividend Finance are the lender partners of XXXX XXXX and knew about the circumstances. My question is, has anything been resolved? Thank you for your reply.","date_sent_to_company":"2025-04-03T17:48:50.000Z","issue":"Problem with additional add-on products or services","sub_product":"Installment loan","zip_code":"32164","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"12127916","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIFTH THIRD FINANCIAL CORPORATION","date_received":"2025-02-18T23:33:39.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Thank you for <em>your</em> reply."]},"sort":[13.863999,"12127916"]},{"_index":"complaint-public-v1","_id":"18905678","_score":13.739355,"_source":{"product":"Debt collection","complaint_what_happened":"I have a business which is in its XXXX year started by my late husband who passed away 18 years ago, He was a XXXX XXXX and in order for me to survive, I was able to hone my skills and continue the business for the past 18 years. I unfortunately, had a XXXX in late XXXX and was XXXX  and in XXXX XXXX almost XXXX weeks ago and am home continuing my XXXX XXXX and being in the hands of XXXX  assigned by the XXXX XXXX hours a day. While in XXXX, I was contacted by a lady who asked me to restore and rebuild an old dollhouse which had been in the family. She contacted me about XX/XX/XXXXXXXX  and I told her that I was still recovering from the XXXX and when I go back to work, I would have to continue the jobs of making new dollhouses and restoring old ones on a first come basis and there would be a waiting time. She agreed tp waiting and gave me a deposit of {$450.00} for the work, the second half to be paid upon completion of the job. She told me when I gott o the job. Some months later, she indicated that she would like it by XX/XX/XXXXXXXX  and I said I would do my best t do it and put the job before some other ones in order to accommodate her. In the interim, I was told that my store space was being renovated and I had to remove all my fixtures and stock from the store for the duration of the renovation and so, I took work home and am now working at home so that the customers don't have to wait any longer than necessary. It is slower for me since I have yet regained all of my strength and the use of my legs but am continuing XXXX XXXX and the XXXX has assigned an aid to assist me 12 hours a day since the XXXX has taken over my case and is overseeing my progress. I am a XXXX  citizen and collect a Social Security check of {$1000.00} a month. I do not clear a lot from my work but I feel it is my mission in life to continue my husband 's legacy who was a famous XXXX XXXX and it is a labor of love. I design and build special dollhouses which are exclusively mine and also specialize in restoring older dollhouses and my work is recognized as well as commissioned house replicas which I have done guided by observing my late husband for over XXXX tears and the techniques he showed me. I received a deposit from the customer through Paypal who chose to return her money. I told them that the job was to be completed by XX/XX/XXXXXXXX  and it was XXXX and told them I had correspondence with her proving that. But, they did not give me a chance to defend my position ... rendering summary judgment in her favor. My website is XXXX  where you can see my work as well as my late husband 's work. I am a serious XXXX  having devoted almost 50 years of my life to this business. I am an acknowledged expert at what I do and in fact all of my other orders which I have to do were ordered way before hers. She gave me no indication that she would be asking Paypal to return her money, but, until the week of her action, we had correspondence stating that I would do her job for XXXX. \nI think : Paypal was wrong in not allowing me to defend myself and it is tantamount to a \" kangaroo court ''. I have been without income except for my small Social Security check since the end of XXXX and have been holding on to monies to pay for back rent at my store and hope to be back there running it soon. My recuperation process is slower because a XXXX can slow down your leg functions but fotunately my mind has remaind unscathed. They told me it is because the work wasn't done.... but.... the work was due in XX/XX/XXXXXXXX  and they said that didn't matter and they refused to let me provide proof of that through correspondence with the customer. I feel I was unjustly treated and that they used bully tactics on me. I ask that you intervene and do not allow them to treat people this way.","date_sent_to_company":"2026-01-21T22:36:07.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"117XX","tags":null,"has_narrative":true,"complaint_id":"18905678","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2026-01-21T21:40:49.000Z","state":"NY","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["My recuperation process is <em>slower</em> because a XXXX can <em>slow</em> <em>down</em> <em>your</em> leg functions but fotunately my mind has remaind unscathed. They told me it is because the work wasn't done.... but.... the work was due in XX/XX/XXXXXXXX  and they said that didn't matter and they refused to let me provide proof of that through correspondence with the customer. I feel I was unjustly treated and that they used bully tactics on me. I ask that you intervene and <em>do</em> not allow them to treat people this way."],"sub_product":["I <em>do</em> not know"]},"sort":[13.739355,"18905678"]},{"_index":"complaint-public-v1","_id":"2900244","_score":13.683381,"_source":{"product":"Mortgage","complaint_what_happened":"I purchased my home on XX/XX/XXXX. I purchased a primary residence with a 20 % down payment and my fico score was a XXXX at the time of the purchase. I received the financing through Flagstar Bank. I contacted Flagstar via telephone on XX/XX/XXXX to ask them for instructions on how to recast my loan because I was going to make large principal payments. I was told I needed to send an email to XXXX. I sent an email on the same day requesting instructions on how to recast my loan if I make large principal reductions. I received the following response, \" Please contact the Special Loans department with your loan number and property address so that the loan can be reviewed for eligibility within the next 30 days. This information can be provided to the Special Loans Department at XXXX or submit a re-amortization eligibility request form available on the Flagstar Bank website. '' When I received this response I replied immediately with the information requested. I then received the following message the next day from Flagstar, \" The loan can not be reviewed for eligibility for a re-amortization at this time. In order for the loan to be reviewed to determine eligibility for a re-amortization, the following requirement must be met. The Special Loans Department must liaison with another department in order to evaluate your loan. This is a procedure that must be completed due to the fact that your loan was recently set up in our servicing system.Please contact the Special Loans department with your loan number and property address so that the loan can be reviewed for eligibility within the next 30 days. \".\n\nI waited over 30 days as instructed and then on XX/XX/XXXX I sent another email to XXXX explaining I had made large principal payments and that I wanted to recast my loan. On the same day I received a response stating my loan was still not eligible for review. I immediately called the representative 's information that was at the bottom of the email, XXXX XXXX. I talked to her and I asked her why my loan was still not eligible for review. She told me the loan had not been placed with an investor which is why Flagstar could not tell me if my loan was eligible for the recast because it depends which investor Flagstar placed it with. I asked XXXX to please send an email to the manager of the department that sends the loans to the investors to make sure my loan was sent to an investor that will allow the recast. I advised her to please bring to the department 's attention that I have a XXXX fico and that I put a 20 % down payment for my purchase. As a result, Flagstar should have no problem placing my loan with the best investor that would allow me to recast. She said she will send the request. A couple weeks passed and I called XXXX once again to follow up with my request. I left her a message and she called me back the same day. She told me that my loan had not been placed with an investor yet and I asked her once again to contact the manager in that department to make sure my loan gets placed with the correct investor that will allow me to recast. Then on XX/XX/XXXX I received an email from XXXX stating my loan was placed with an investor that does not allow loans to be re-amortized. I called XXXX immediately and I asked her if she had sent the requests I asked her to send and she said yes but unfortunately my loan was still placed with an investor that did not allow a recast. I then asked her to escalate this to another manager and I sent her an email stating my frustration and concern. She forwarded my email to her managers but she called me back after a few days and said there is nothing that can be done. I believe Flagstar was only concerned with selling my loan to an investor that was the highest bidder and they did, and in the process completely disregarded my request and did not do what was best for their customer and his family. I was in communication with Flagstar very early in the process to make sure I would be able to recast my loan but I was overlooked and disregarded because I am sure Flagstar was only focused on making as much profit on my loan as they could possibly make. My original loan amount was {$610000.00} and I have now paid the balance down to {$460000.00}. Now due to the restriction Flagstar has placed on my loan I can not lower my payment with a recast, which would benefit my family financially, and Flagstar has put me in a very bad position. Now the only way I can lower my payment is by refinancing but this puts me at a disadvantage as a consumer because I will lose my interest rate of 3.875 % and I will have to pay approximately {$3500.00} to refinance my loan. The new interest rate I will be forced to get to lower my payment through a refinance will be approximately 4.5 % to 4.875 %. This is unfair and unjust for me an my family. My family and I work very hard to pay down the principal of the loan to allow us to lower our mortgage payment to relieve the financial pressure of making a large mortgage payment every month. I get paid with 100 % commissions and the reason we need to recast whenever we lower the balance is because we prepare for any seasons where my business may slow down. If the payments are too high during my slow season we are at risk of having to fall behind on the mortgage payments.","date_sent_to_company":"2018-05-08T18:39:36.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"91384","tags":null,"has_narrative":true,"complaint_id":"2900244","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Flagstar Bank, N.A.","date_received":"2018-05-08T17:24:06.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["My family and I work very hard to pay <em>down</em> the principal of the loan to allow us to lower our mortgage payment to relieve the financial pressure of making a large mortgage payment every month. I get paid with 100 % commissions and the reason we need to recast whenever we lower the balance is because we prepare for any seasons where my business may <em>slow</em> <em>down</em>. If the payments are too high during my <em>slow</em> season we are at risk of having to fall behind on the mortgage payments."]},"sort":[13.683381,"2900244"]},{"_index":"complaint-public-v1","_id":"5633253","_score":12.841153,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I joined Freedom Debt Relief to consolidate my debt, and have one place to pay and resolve my debt. For two years, {$310.00} was taken directly from my bank account to resolve these debts, twice per month at each pay period equaling about {$630.00} per month. I specifically asked when I joined how XXXX makes their money, and they pointed me to the fee column of the website which indicated about $ XXXX in fees. I decided I could live with that, and moved forward with the program. After a few months I began receiving requests to approve negotiations, which I did but after about a year, I looked into why things had slowed down. I realized that not only were they taking this monthly fee, but they were also taking 20 % of my debt amount as a fee as each resolved. And they were taking 20 % off the total, not 20 % off of what they negotiated down. I was livid. I messaged I called, I sent letters, the whole 9 yards. Nothing. \n\nDuring this time, I had to pivot my energies to a mother with XXXX a sister with XXXX and a demanding job that paid me exponentially more than I had been making when I enrolled in the program. I was able to pay some of these debts 100 % on my own. So I stopped approving debts and paid remaining debtors directly in full just so XXXX could not make their 20 % fee. Finally, in the XXXX of XXXX, I checked into my account again, and only had two accounts left to resolve. They were minimal - XXXX $ XXXX, the other {$900.00}. My \" dedicated account '' had well over {$2500.00} in it, enough to pay both debtors in full and walk away from this god-awful program. Once again, I wrote and called and wrote and called requesting they pay the debtors in full without negotiating and stop taking {$630.00} out of my account each month ( {$310.00} each payday ) citing that I'm done with the program, they can easily pay the debtors in full and stop taking money out of my bank account. Well, they won't. This company is stealing over {$600.00} a month from me, amassing over {$5300.00} in my \" dedicated account '' when the last two remaining debts that I have asked them over and over again to pay, equals a fraction of that ( {$2200.00} ). It has now been almost a year. The two remaining debts are STILL not resolved. They are minimal, and debts I could pay on my own, but XXXX has {$5300.00} they have taken from me to pay these debtors.\n\nI am unable to remove my bank account from the website, and I can not update my bank account to stop them from deducting money from my bank account each pay period. They are STEALING money. If I did what they are doing, I would be in jail. They literally reach into my account twice a month and take {$630.00} and in spite of having enough and being told over and over again to stop, they continue. Further, they have not done the job they were paid handsomely and unknowingly to do. If that's not stealing I don't know what is. \n\nI also want to red-flag their fee process- they take a monthly fee plus 20 % of your total debt amount. They did not disclose the latter to me when I specifically asked upon joining.","date_sent_to_company":"2022-06-04T17:40:07.000Z","issue":"Excessive fees","sub_product":"Credit repair services","zip_code":"89141","tags":null,"has_narrative":true,"complaint_id":"5633253","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FREEDOM FINANCIAL NETWORK","date_received":"2022-06-04T16:32:50.000Z","state":"NV","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I specifically asked when I joined how XXXX makes their money, and they pointed me to the fee column of the <em>website</em> which indicated about $ XXXX in fees. I decided I could live with that, and moved forward with the program. After a few months I began receiving requests to approve negotiations, which I did but after about a year, I looked into why things had <em>slowed</em> <em>down</em>."]},"sort":[12.841153,"5633253"]},{"_index":"complaint-public-v1","_id":"3130148","_score":12.240168,"_source":{"product":"Student loan","complaint_what_happened":"I recently discovered issues with my Federal Loans handled by Navient. I did not know of the issues with Navient until my bank alerted me to issues while trying to buy a house.\n\nI looked into the situation ; discovering Navient is facing current lawsuits for similar situations to the way they have handled my account.\n\nMy loans were originally handled by Sallie Mae, then by Navient. I setup auto pay with Sallie Mae, then had to re-setup my auto payments with Navient.\n\nFrom what was communicated to me ( via paperwork and online ), when I setup Autopay, I understood that I was paying extra each month, to be applied towards the principle.\n\nI only ever received simplified information. It consistently stated my minimum payment amount as around {$400.00} ; I was paying almost 2x that. \nIE My paper work received states : \" You have {$400.00} due XX/XX/19 '' and \" Total Payent Due {$400.00} '' and \" enrolled in Auto Pay. {$830.00} will be debited from the designated bank account by XX/XX/19 '' My bank alerted me, from the detailed information that they could see ( that I do not have access to online ), that something weird was going on and it was keeping me from being approved to buy a house. My principle was moving much slower than the amount of money I have been paying. \nI typically only sign into my online account a few times a year. Since the last time I checked my account, the options had changed. \nThere are now new, difficult to find choice settings with confusing verbage of how payments are to be applied. \nOn my account, an apparently default choice had been made, without my knowledge or confirmation, that I was pre-paying my bill, pushing due dates back ; NOT PAYING down the principle. \nI had to call to discuss and clarify what these settings meant and to clarify that I my extra funds are NOT paying down the principle, they are just 'pushing back ' the due date. IE I could not pay for several months since I am 'ahead ' of my payments now.\n\nIt was indicated to me that.\n\nI had to work hard on the phone to pin down the representative to use clear and simple layman 's terms. He kept repeating the confusion verbage for the options posted on the website. I had to keep pressing the matter to get confirmation and make sure I understood.\n\nAfter 5 or 6 tries, He eventually confirmed what I have written here with simple and clear statements.\n\nI was never alerted to, or confirmed my choice of the below situation.\n\nIE : For the website to adjust how over payment is handled. You have to go to Dashboard>Profile>Edit Profile>Overpayment Directions \" Billing Direction '' \" No, Advance my due date by the number of payments I cover. Even if you have XXXX  amount due on your billing statement, continuing to make payments will reduce your total cost of borrowing. '' OR \" Yes, Bill me for my full monthly payment. You will be required to make a full monthly payment with your next billing statement. '' My setting was the 1st choice ( No, Advance [ ... ] reduce total cost of borrowing ). This PUSHES BACK the due date AKA Pre-pays the next bill. It does not pay down the principle as intended. \nI did not make this choice. I had setup originally and assumed it was continuing, before the software was setup this way, that my overpayment was almost 2x my minimum and that it was all going towards the principle. \n\n1 ) Misallocated payments - Contrary to what I originally setup, the settings had been changed without my knowledge or confirmation to pay the extra towards future payments ( 'pushing back the due date ' ) vs paying on the principle 2 ) Change in minimum Payment - My higher, extra payment that I had originally set at almost 3x the minimum originally with Auto Pay, according to the staff via phone, is now my REQUIRED level of payment.The representative told me there was no way to adjust this.\n\n3 ) Change in Settings - Without my knowledge or confirmation, what I had setup through Auto Pay had been CHANGED to a 'default ' settings at some point.\n\n4 ) Misinformation or Unclear Information - Provided convoluted explanations and unclear information about settings, how to make changes, and how to enroll in income-driven repayment plans. When asked via phone how to change Auto Pay level, I was told that the [ new ] minimum could not be adjusted. Paper work received made it look like I was overpaying and that the amount would go towards principle vs pushing the payment dates back. \n5 ) Lack of documentation - Navient has not sent me anything in writing reflecting ANY of the situations I have reported above. All I see / have seen is a minimum amount due, my over payment almost 2x that amount, the remaining principle, and the interest. When I demanded documentation reflecting the current policies and how the money is being applied, the representative told me that it would be provided immediately and would arrive within 48 hours ; as if this is a standard procedure to address this repeated situation.\n\n6 ) Lack of Updates - I was not aware of my options. I did not receive any updates about programs and services that would improve my situation and/or reduce my monthly payment burden. Through this process I have discovered that I am eligible for several programs that would have benefitted me in multiple areas.","date_sent_to_company":"2019-01-23T05:10:41.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"35758","tags":"Servicemember","has_narrative":true,"complaint_id":"3130148","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2019-01-23T03:19:31.000Z","state":"AL","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["You will be required to make a full monthly payment with <em>your</em> next billing statement. '' My setting was the 1st choice ( No, Advance [ ... ] reduce total cost of borrowing ). This PUSHES BACK the due date AKA Pre-pays the next bill. It <em>does</em> not pay <em>down</em> the principle as intended. \nI did not make this choice."],"issue":["Dealing with <em>your</em> lender or servicer"],"sub_issue":["Received bad information about <em>your</em> loan"]},"sort":[12.240168,"3130148"]},{"_index":"complaint-public-v1","_id":"3524338","_score":11.877243,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/2020 I searched XXXX for a LIVE contact in regards to my Cash App account. I did so to reactivate a lost Cash App that was found shortly afterwards. No compromised actions had taken place prior to that day. I located a phone number online after searching \" Cash App Customer Service '' the site has recently changed from XXXX and now is XXXX. I dialed the number supplied by the website but immediately hung up due to an uneasy feeling about the situation. I was immediately called back by a man claiming his name was \" XXXX '' with Cash App. I briefly discussed the situation and was asked by XXXX to supply my email address as well as phone number to reactivate the card ; along with the last 4 digits of the card in question. Once he located the account he proceeded to send multiple text alerts using the MAIN transaction number I have ever received Cash App Communications. He  claimed that aside from himself no other person will ask for the codes he just sent but due to the situation he would need the codes to complete the process. He told me that everything was complete and that it would take roughly 2 hours for the card to be reactivated onto the account and that he would remove the new card. Minutes later I received another text alert from the MAIN Cash App number stating that the new card being sent was removed from the account. Almost immediately after that I received another text from the MAIN Cash App number stating my account was overdrawn to - {$2.00} which included the ATM Fee and the {$150.00} it contained. I DID NOT AUTHORIZE ANY WITHDRAWALS OR TRANSACTIONS. I immediately called the number back and was greeted with \" Hello '' ... no name was ever given. It was a different gentleman who stated \" Ma'am this is your fault. You called us. There is nothing you can do ''. Mind you they returned a brief call attempt which initiated the transaction after I hesitantly hung up. I then proceeded to change my access information and contacted the local authorities IMMEDIATELY. I filed a POLICE REPORT with XXXX County Sheriffs Department and have that information available as well. There has been NO LIVE communication as of this day with CASH APP. I have wasted valuable time sending repetitious emails to their supposed \" Customer Help '' email address. Only to encounter seemingly automated/rehearsed responses that intentionally slow down the investigation process. At the bottom of each email states you can request a \" Call Back '' through the Cash App Application. When i proceeded to do so I was emailed by a Cash App Representative stating the Call Back option was NOT AVAILABLE yet. But it specifically states it is in EVERY email up to that point. Cash App refuses to initiate or accept ANY LIVE COMMUNICATION. Upon reviewing their social media and website I am NOT THE ONLY ONE experiencing supicious and fraudulent activity from this company. The main reason being is that they REFUSE to speak with ANYONE. Which lays out : SCAMMERS PARADISE ''. They state it takes 45 days to complete an \" Investigation '' but refuse to update ANYONE on the supposed process and it's OUR MONEY at stake. The don't even give you advice on what to do in the meantime to protect identities or speed up the process. Once again, I have filed a police report and have the information ready to supply when needed. Please help ALL Cash App Victims as to I AM NOT the only one harmed. This company needs to be investigated thoroughly!","date_sent_to_company":"2020-02-07T15:36:57.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"24502","tags":null,"has_narrative":true,"complaint_id":"3524338","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2020-02-07T14:56:37.000Z","state":"VA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Only to encounter seemingly automated/rehearsed responses that intentionally <em>slow</em> <em>down</em> the investigation process. At the bottom of each email states you can request a \" Call Back '' through the Cash App Application. When i proceeded to <em>do</em> so I was emailed by a Cash App Representative stating the Call Back option was NOT AVAILABLE yet. But it specifically states it is in EVERY email up to that point. Cash App refuses to initiate or accept ANY LIVE COMMUNICATION."]},"sort":[11.877243,"3524338"]},{"_index":"complaint-public-v1","_id":"4347930","_score":11.502739,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX, my wife XXXX XXXX purchased a XXXX XXXX XXXX XXXX  from XXXX, a national Internet-based car dealership. I was cosigner. We put down {$10000.00} and financed about {$24000.00} with a loan from XXXX XXXX XXXX. The transaction occurred at our home ; XXXX brings you the car, lets you drive it, and then sells it to you. The entire loan transaction was conducted on XXXX XXXX tablet computer at our home. XXXX  sells cars with a seven-day period to try the car, and the purchase can be cancelled and the car returned during that period. On XX/XX/XXXX, I took the car to be inspected by a mechanic and the car failed virtually every test of the engine. It also turned out that a body problem, a broken molding, was going to cost over {$1800.00} to repair because the part was no longer readily available. We returned the car on XX/XX/XXXX, and XXXX  agreed in writing to have the XXXX loan \" cancelled. '' We waited. On XX/XX/XXXX, XXXX reported the \" new loan '' to all three credit reporting agencies, without ascertaining whether the transaction had been cancelled during the seven-day cancellation period. Shift didn't pay off the loan until XX/XX/XXXX, after I had received a notice from XXXX that our first payment was due on XX/XX/XXXX and had called a number of times to complain, and XXXX didn't have the loan \" cancelled. '' XXXX  confirmed in a letter that the loan had been paid off on XX/XX/XXXX, though it didn't say the loan was \" cancelled. '' Again we waited for the cancellation, or at least the payoff, of the loan to be reported to the credit reporting agencies. That didn't happen. I called XXXX on XX/XX/XXXX to verify that the loan had been paid. A Customer Support representative who said her name was \" XXXX '' confirmed that it had been paid. I asked whether this had been reported to the credit reporting agencies. She said that the only way to do that was for me to submit a \" dispute '' to XXXX XXXX \" Credit Investigations Department, '' and she said they only had two people in that department, one of whom she said was named XXXX XXXX. I asked why I had to submit a dispute when XXXX acknowledged the loan had been paid off. She hung up the phone. I then wrote a letter to XXXX XXXX Credit Investigations Department demanding that they notify the credit bureaus that the loan had been paid off. The letter is attached. I never received any response. Meanwhile, my wife XXXX and I were in the process of applying for a loan to refinance our house. We waited and waited for the loan payoff to show up on our credit reports. As of XX/XX/XXXX, almost a month since the loan was paid off, the \" new loan '' still is on our credit reports with no indication it has been paid off. In fact, on XXXX  there is a notation that we made the first payment (! ), nothing about the loan being paid in full. My credit has been adversely affected, my credit score has gone down, at a critical time when we are trying to get a refinance loan. I tried calling XXXX during the week ending XX/XX/XXXX and was told there was nothing they could do, that they \" would have '' sent a notification to the credit bureaus on either the XXXX or XXXX of the month. She was not able to offer any record showing that this had been done, but she blamed the credit reporting agencies for being slow to post this to our credit reports. I tried to submit a dispute on Equifax 's website today, and found that there was no way to dispute the existence of the XXXX loan, I was asked to select the type of dispute and there was no type listed that matched ours, and I had to select a month in which the dispute arose and it wouldn't allow me to check XXXX as the month. I haven't yet tried to submit the dispute on XXXX  's and XXXX XXXX websites but I will. I have the letter from XXXX acknowledging the payoff, it is dated XX/XX/XXXX and says, \" Thank you for being a XXXX XXXX XXXX customer. We value your business and it's our pleasure to let you know your account was paid in full on XX/XX/XXXX. Congratulations! '' It is attached. One other thing : we authorized XXXX to check our credit, but the XXXX \" concierge '' ( their word for a salesman, whose name was XXXX XXXX, told us it wouldn't affect our credit, they wouldn't make a \" hard '' inquiry. Instead, they apparently contacted several lenders, all of which made \" hard '' inquiries of our credit without our ever having authorized them to do so. This, too, hurt our credit because those inquiries show up on some of our credit reports. What we want : We want all reference to the XXXX loan  deleted from our credit reports, and we want all credit inquiries made on XX/XX/XXXX deleted from our credit reports. We should be put into the same position we would have been in had none of this happened.","date_sent_to_company":"2021-05-04T06:02:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92128","tags":"Older American","has_narrative":true,"complaint_id":"4347930","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-05-04T00:50:10.000Z","state":"CA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I haven't yet tried to submit the dispute on XXXX  's and XXXX XXXX <em>websites</em> but I will. I have the letter from XXXX acknowledging the payoff, it is dated XX/XX/XXXX and says, \" Thank you for being a XXXX XXXX XXXX customer. We value <em>your</em> business and it's our pleasure to let you know <em>your</em> account was paid in full on XX/XX/XXXX. Congratulations! '' It is attached."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[11.502739,"4347930"]},{"_index":"complaint-public-v1","_id":"4347941","_score":11.480372,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX, my wife XXXX XXXX purchased a XXXX XXXX XXXX XXXX  from XXXX, a national Internet-based car dealership. I was cosigner. We put down {$10000.00} and financed about {$24000.00} with a loan from TD Auto Finance. The transaction occurred at our home ; XXXX  brings you the car, lets you drive it, and then sells it to you. The entire loan transaction was conducted on XXXX  's tablet computer at our home. XXXX  sells cars with a seven-day period to try the car, and the purchase can be cancelled and the car returned during that period. On XX/XX/XXXX, I took the car to be inspected by a mechanic and the car failed virtually every test of the engine. It also turned out that a body problem, a broken molding, was going to cost over {$1800.00} to repair because the part was no longer readily available. We returned the car on XX/XX/XXXX, and XXXX  agreed in writing to have the TD loan \" cancelled. '' We waited. On XX/XX/XXXX, TD reported the \" new loan '' to all three credit reporting agencies, without ascertaining whether the transaction had been cancelled during the seven-day cancellation period. XXXX  didn't pay off the loan until XX/XX/XXXX, after I had received a notice from TD that our first payment was due on XX/XX/XXXX and had called a number of times to complain, and XXXX didn't have the loan \" cancelled. '' TD confirmed in a letter that the loan had been paid off on XX/XX/XXXX, though it didn't say the loan was \" cancelled. '' Again we waited for the cancellation, or at least the payoff, of the loan to be reported to the credit reporting agencies. That didn't happen. I called TD on XX/XX/XXXX to verify that the loan had been paid. A Customer Support representative who said her name was \" XXXX '' confirmed that it had been paid. I asked whether this had been reported to the credit reporting agencies. She said that the only way to do that was for me to submit a \" dispute '' to TD 's \" Credit Investigations Department, '' and she said they only had two people in that department, one of whom she said was named XXXX XXXX. I asked why I had to submit a dispute when TD acknowledged the loan had been paid off. She hung up the phone. I then wrote a letter to TD 's Credit Investigations Department demanding that they notify the credit bureaus that the loan had been paid off. The letter is attached. I never received any response. Meanwhile, my wife XXXX and I were in the process of applying for a loan to refinance our house. We waited and waited for the loan payoff to show up on our credit reports. As of XX/XX/XXXX, almost a month since the loan was paid off, the \" new loan '' still is on our credit reports with no indication it has been paid off. In fact, on XXXX there is a notation that we made the first payment (! ), nothing about the loan being paid in full. My credit has been adversely affected, my credit score has gone down, at a critical time when we are trying to get a refinance loan. I tried calling TD during the week ending XX/XX/XXXX and was told there was nothing they could do, that they \" would have '' sent a notification to the credit bureaus on either the XXXX or XXXX of the month. She was not able to offer any record showing that this had been done, but she blamed the credit reporting agencies for being slow to post this to our credit reports. I tried to submit a dispute on XXXX  's website today, and found that there was no way to dispute the existence of the TD loan, I was asked to select the type of dispute and there was no type listed that matched ours, and I had to select a month in which the dispute arose and it wouldn't allow me to check XXXX as the month. I haven't yet tried to submit the dispute on XXXX  's and XXXX 's websites but I will. I have the letter from TD acknowledging the payoff, it is dated XX/XX/XXXX and says, \" Thank you for being a TD Auto Finance customer. We value your business and it's our pleasure to let you know your account was paid in full on XX/XX/XXXX. Congratulations! '' It is attached. One other thing : we authorized Shift to check our credit, but the Shift \" concierge '' ( their word for a salesman, whose name was XXXX XXXX, told us it wouldn't affect our credit, they wouldn't make a \" hard '' inquiry. Instead, they apparently contacted several lenders, all of which made \" hard '' inquiries of our credit without our ever having authorized them to do so. This, too, hurt our credit because those inquiries show up on some of our credit reports. What we want : We want all reference to the TD loan deleted from our credit reports, and we want all credit inquiries made on XX/XX/XXXX deleted from our credit reports. We should be put into the same position we would have been in had none of this happened.","date_sent_to_company":"2021-05-04T06:03:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92128","tags":"Older American","has_narrative":true,"complaint_id":"4347941","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2021-05-04T02:03:02.000Z","state":"CA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I haven't yet tried to submit the dispute on XXXX  's and XXXX 's <em>websites</em> but I will. I have the letter from TD acknowledging the payoff, it is dated XX/XX/XXXX and says, \" Thank you for being a TD Auto Finance customer. We value <em>your</em> business and it's our pleasure to let you know <em>your</em> account was paid in full on XX/XX/XXXX. Congratulations! '' It is attached."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[11.480372,"4347941"]},{"_index":"complaint-public-v1","_id":"4347945","_score":11.455479,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX, my wife XXXX XXXX purchased a XXXX XXXX XXXX XXXX  from XXXX, a national Internet-based car dealership. I was cosigner. We put down {$10000.00} and financed about {$24000.00} with a loan from XXXX XXXX XXXX. The transaction occurred at our home ; XXXX  brings you the car, lets you drive it, and then sells it to you. The entire loan transaction was conducted on XXXX 's tablet computer at our home. XXXX  sells cars with a seven-day period to try the car, and the purchase can be cancelled and the car returned during that period. On XX/XX/XXXX, I took the car to be inspected by a mechanic and the car failed virtually every test of the engine. It also turned out that a body problem, a broken molding, was going to cost over {$1800.00} to repair because the part was no longer readily available. We returned the car on XX/XX/XXXX, and XXXX  agreed in writing to have the XXXX loan \" cancelled. '' We waited. On XX/XX/XXXX, XXXX reported the \" new loan '' to all three credit reporting agencies, without ascertaining whether the transaction had been cancelled during the seven-day cancellation period. XXXX  didn't pay off the loan until XX/XX/XXXX, after I had received a notice from XXXX  that our first payment was due on XX/XX/XXXX and had called a number of times to complain, and XXXX didn't have the loan \" cancelled. '' XXXX  confirmed in a letter that the loan had been paid off on XX/XX/XXXX, though it didn't say the loan was \" cancelled. '' Again we waited for the cancellation, or at least the payoff, of the loan to be reported to the credit reporting agencies. That didn't happen. I called XXXX on XX/XX/XXXX to verify that the loan had been paid. A Customer Support representative who said her name was \" XXXX '' confirmed that it had been paid. I asked whether this had been reported to the credit reporting agencies. She said that the only way to do that was for me to submit a \" dispute '' to XXXX 's \" Credit Investigations Department, '' and she said they only had two people in that department, one of whom she said was named XXXX XXXX. I asked why I had to submit a dispute when XXXX acknowledged the loan had been paid off. She hung up the phone. I then wrote a letter to XXXX 's Credit Investigations Department demanding that they notify the credit bureaus that the loan had been paid off. The letter is attached. I never received any response. Meanwhile, my wife XXXX and I were in the process of applying for a loan to refinance our house. We waited and waited for the loan payoff to show up on our credit reports. As of XX/XX/XXXX, almost a month since the loan was paid off, the \" new loan '' still is on our credit reports with no indication it has been paid off. In fact, on Experian there is a notation that we made the first payment (! ), nothing about the loan being paid in full. My credit has been adversely affected, my credit score has gone down, at a critical time when we are trying to get a refinance loan. I tried calling XXXX during the week ending XX/XX/XXXX and was told there was nothing they could do, that they \" would have '' sent a notification to the credit bureaus on either the XXXX or XXXX of the month. She was not able to offer any record showing that this had been done, but she blamed the credit reporting agencies for being slow to post this to our credit reports. I tried to submit a dispute on XXXX  's website today, and found that there was no way to dispute the existence of the XXXX loan, I was asked to select the type of dispute and there was no type listed that matched ours, and I had to select a month in which the dispute arose and it wouldn't allow me to check XXXX as the month. I haven't yet tried to submit the dispute on Experian 's and XXXX  's websites but I will. I have the letter from XXXX acknowledging the payoff, it is dated XX/XX/XXXX and says, \" Thank you for being a XXXX XXXX XXXX customer. We value your business and it's our pleasure to let you know your account was paid in full on XX/XX/XXXX. Congratulations! '' It is attached. One other thing : we authorized XXXX  to check our credit, but the XXXX  \" concierge '' ( their word for a salesman, whose name was XXXX XXXX, told us it wouldn't affect our credit, they wouldn't make a \" hard '' inquiry. Instead, they apparently contacted several lenders, all of which made \" hard '' inquiries of our credit without our ever having authorized them to do so. This, too, hurt our credit because those inquiries show up on some of our credit reports. What we want : We want all reference to the XXXX loan deleted from our credit reports, and we want all credit inquiries made on XX/XX/XXXX deleted from our credit reports. We should be put into the same position we would have been in had none of this happened.","date_sent_to_company":"2021-05-04T06:03:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92128","tags":"Older American","has_narrative":true,"complaint_id":"4347945","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-05-04T02:03:02.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I haven't yet tried to submit the dispute on Experian 's and XXXX  's <em>websites</em> but I will. I have the letter from XXXX acknowledging the payoff, it is dated XX/XX/XXXX and says, \" Thank you for being a XXXX XXXX XXXX customer. We value <em>your</em> business and it's our pleasure to let you know <em>your</em> account was paid in full on XX/XX/XXXX. Congratulations! '' It is attached."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[11.455479,"4347945"]},{"_index":"complaint-public-v1","_id":"10358453","_score":11.409722,"_source":{"product":"Student loan","complaint_what_happened":"My standard payment to Nelnet per month is {$100.00}. I have been consistently paying well above this amount each month in a effort to minimize the interest I am paying and to pay my loan off early.\n\nComplain # 1. It has been impossible to track my payments clearly because Nelnet does not provide an opening and closing balance on their statements and I only started keeping my statements in XXXX after they lost XXXX of my payments. Also, when I log into Nelnet, there are no statements only a list of payments showing what was applied to interest and what was applied to principal.\n\nComplaint # 2 It has seemed to me for some time that my balance was coming down much more slowly than I would have expected. Once I started keeping my monthly statements ( yes, I should have done so previously and stupidly trusted Nelnet, everything worked fine until Nelnet moved to a different website about a year ago and then things got weird ). Since I started really paying attention and keeping my statements from XXXX this year onwards, the balances just don't see to match what I have paid. You will see this on the attached files. \n\nComplaint # XXXX. In XXXX I paid {$450.00} via check as I usually make my payments. Then I started getting emails saying my payment was late, never mind that I have been consistently paying well above the minimum balance so should have been running months ahead. I then made a payment of {$200.00} on line which was the amount Nelnet was claiming was owing- this is XXXX months of the regular monthly payment amount not one which is strange in itself. I then emailed Nelnet to see what had happened to my {$450.00} payment because it was debited from my bank account but not showing in Nelnet. I received no reply. I then called Nelnet and the woman I spoke to, XXXX, said I had to email or write via snail mail as she couldn't help me. She could see the {$200.00} payment but not the {$450.00}. Oddly, my XXXX statement from Nelnet showed the {$450.00} payment but not the {$200.00}. So I wrote via snail mail and received no response until some time after the fact I received a phone call from a woman who I did not get the name of. By this time the {$200.00} and the {$450.00} were both showing on line in Nelnet, however the {$200.00} has not shown up on any of the printed statements I have received. So I still can not really see that both have been applied. This brings me to : Complaint # XXXX Interest. While I had the no name Nelnet woman on the phone I asked her why my interest was all over the place XXXX month $ {$9.00} and the next month {$53.00} for example yet my overall balance was, or should have been, coming down. She said it depended on how they applied my payments since I was paying more than the minimum and Nelnet would apply the payment to the loan with the highest interest. I said but surely the monthly amount owing would go across each loan and she said \" not necessarily '' and as a result I could have a loan that was not paid for several months and as a result accrued a lot of interest. This strikes me as usurious. I have attached my last four statements so you can see what I mean along with screen shots from Nelnet 's website which does not really help me keep track of my balance but does show the interest paid.\n\nComplaint # 5 The balances from one statement to another don't make sense. For example, the current balance showing on the XX/XX/XXXX statement was {$3700.00}, and the amount currently owing was {$0.00}. The XX/XX/XXXX current balance was {$3700.00} and that statement showed that I paid {$500.00} ( true, I did ), the regular monthly payment amount was {$100.00}, the amount already paid for the month was - {$68.00} and the current amount due was {$32.00}. How does this work? What I would like is clear statements of everything I have paid since XX/XX/year> showing opening and closing balances and amounts paid. Then I can check this against my bank statements of payments made and make sure everything matches. You will see that between my XXXX and XXXX statements there is a drop in balance that is more than I paid that month, I am sure it was an attempt to correct something but who knows. Nelnet is totally opaque.\n\nComplaint # 6. The missing {$450.00} payment I that cleared my bank account back in XXXX was only applied to my account in XXXX, I do not for one moment believe interest was managed correctly. I would like my interest in general to be recalculated as it should have been with my student loans being paid each month, not money withheld to one loan completely for no good reason.\n\nAt this point, I believe I have probably more than paid my actual loan balances in full including interest but I can not actually determine that because I don't have real statements with opening and closing balances. I am beyond frustrated with Nelnet 's complete lack of response and lack of clarity. Hoping you can help me get to the bottom of this. In the meantime I will continue making payments even though I believe at this point Nelnet owes me. I have attached screenshots of Nelnet 's website, my statements for XXXX through XXXX, and the letter I sent to Nelnet in XXXX. Many thanks for your help.","date_sent_to_company":"2024-10-05T22:32:30.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"47201","tags":null,"has_narrative":true,"complaint_id":"10358453","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2024-10-05T20:55:07.000Z","state":"IN","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["I have attached screenshots of Nelnet 's <em>website</em>, my statements for XXXX through XXXX, and the letter I sent to Nelnet in XXXX. Many thanks for <em>your</em> help."],"issue":["Dealing with <em>your</em> lender or servicer"]},"sort":[11.409722,"10358453"]},{"_index":"complaint-public-v1","_id":"7676425","_score":11.128278,"_source":{"product":"Credit card","complaint_what_happened":"I applied for this card ( the Amazon Secured Card Managed by Synchrony Bank XXXX XXXX ) with the expectation and understanding that I would receive a card with a Visa or MasterCard logo and even while secured ( with my own money ) the understanding that I would be able to use this card anywhere. I just came out of a long rehabilitative process and I'm trying to do right by the laws and by being responsible credit-wise. I make and enjoy purchases from amazon.com and because of the breadth of AMAZON I had no reason to question that anything its name is on has a reputation as good as it ( amazon.com ) After they got my money ( the security deposit ) I was then told that it was only a card to be used strictly for Amazon.com purchases and then that it had no logo. Even coming to grips with this I still asked for the card and I was told that it will come in the mail ( which I waited and it never did ). Somewhere in the process I was able to review my credit report and saw that Synchrony reported ( somewhat favorably ) so within that I looked forward despite my initial plan to close out the account for misrepresentation. \n\nI didn't know much about the card or even how it worked but I knew that I should be able to make purchases from Amazon on it, my security deposit 's worth. \n\nEverything dealing with that card and dealing with Synchrony Bank is especially difficult, and the kicker is they don't let you know the account number which is on that card and anything pertaining to having access to your money is super slow especially when you make a lot of purchases from Amazon like I do.\n\nRecently I needed to change the phone number on the account. The number I used to set the account up, I'm not using that number much anymore so I went to the usual channels I'm talking to customer support and even trying to change the number with only access they have at their website. It was weird because it was so difficult and pretty much everything dealing with them they offer to paper mail things to you which will take 7 to 10 business days even to gain access.\n\nThe culmination of the whole thing is that when they did end up coming with a solution to change the number they offered to send the OTP to a number with the last four digits I didn't recognize or to send it to a number of my choosing ( the number of my choosing mysteriously didn't work and mysteriously, customer service 's attempts to send the OTP to the number on the account didn't work either ) Upon humbling myself and many calls and talking sweetly to customer service I found out that the number they presented me with was an old number ( possibly with an old bill - more than 20 years ago ) that the data collection company \" XXXX '' has on their records and Synchrony is \" leveraging '' by squeezing my money and making me succumb to being victimized by XXXX tactics because they feel they have no other options much like many people who apply for this card do. \n\nI just think it's low down dirty and underhanded for them to introduce ( ever so casually ) some other left field factor to propagate XXXX 's data collection aggregation, without which I am denied XXXX century convenience of access to what's mine.","date_sent_to_company":"2023-10-10T11:36:12.000Z","issue":"Other features, terms, or problems","sub_product":"Store credit card","zip_code":"48227","tags":null,"has_narrative":true,"complaint_id":"7676425","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2023-10-10T09:37:01.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company forcing arbitration"},"highlight":{"complaint_what_happened":["Everything dealing with that card and dealing with Synchrony Bank is especially difficult, and the kicker is they don't let you know the account number which is on that card and anything pertaining to having access to <em>your</em> money is super <em>slow</em> especially when you make a lot of purchases from Amazon like I <em>do</em>.\n\nRecently I needed to change the phone number on the account."]},"sort":[11.128278,"7676425"]},{"_index":"complaint-public-v1","_id":"8357289","_score":11.111747,"_source":{"product":"Debt collection","complaint_what_happened":"Was served by XXXX XXXX  XXXX on behalf of Midland Credit. 1. I moved and they sent it to my old address. THANKFULLY, I know the folks who live there and they tracked me down. I the responded & mailed them ( with proof of delivery, which I have in my possession ) a request for debt verification. I have called multiple times and left voice mails and never received calls back. I never received proof of debts. I was forced to file an answer with my countys court so I didnt default. \n\nToday I sent an inquiry on their website ( again ) and someone finally called me. \n\nInitially she told me she didnt receive any correspondence from me. Then she said that she saw where I reached out and claims they mailed me the things I had asked for. They told me they do not send verification with any kind of tracking information. She claims they mailed it out when they received my request in XXXX. She told me it was received XX/XX/XXXX. I believe it was a few days prior to that according to the slip from XXXX She said the mail has been extremely slow lately and kept stressing that. I said it still would not take a month plus worth of time. They are located in XXXX, I am in XXXX. It should take a week - MAX - just as my letter to them had taken. I asked for proof of them mailing it to me in XXXX. She could not give me proof. She did say that she would mail it again, which is convenient for them to finally answer an inquiry from me now that I have to be in court in exactly 1 week. This person, XXXX XXXX, said they will not send it out with any kind of proof of delivery nor tracking- just regular mail. She insisted on stressing multiple times that the mail is really slow lately. \n\n\nHere is exactly what was included in this debt letter : XXXX XXXX XX/XX/2023 Midland Credit Management c/o XXXX XXXX XXXX XXXX XXXX Re : MCM account # XXXX and MCM account # XXXX Dear Midland Credit Management : I am responding to your contact about a debt you are trying to collect. You contacted me on XX/XX/2023 by serving me court paperwork and identified the debt as now being handled in small claims court. The Fair Debt Collection Practices Act requires debt collectors to provide a validation letter listing specific details about the debt. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. \n\nIf this debt started with a different creditor, provide the name and address of the original creditor, the full account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from, on what date and for how much the debt was purchased for. \n\nProvide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? \n\n\nThe amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. \n\nState the amount of the debt when you obtained it, and when that was. \n\nIf there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide a detailed itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. \n\nIf there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. \n\nIf there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. \n\nTell me when the creditor claims this debt became due and when it became delinquent. \n\nIdentify the date of the last payment made on this account. \n\nHave you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. \n\nDetails about your authority to collect this debt. \n\nI would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. \n\nIf you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. \n\n\nI have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us. \n\n\nIn addition to providing the information requested above, please let me know whether you are prepared to accept less than the balance you are claiming is owed. If so, please tell me in writing your offer with the amount you will accept to fully resolve the account. \n\nThank you for your cooperation. Sincerely, XXXX XXXX","date_sent_to_company":"2024-02-16T14:48:07.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"29461","tags":null,"has_narrative":true,"complaint_id":"8357289","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2024-02-16T14:30:44.000Z","state":"SC","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Details about <em>your</em> authority to collect this debt. \n\nI would like more information about <em>your</em> firm before I discuss the debt with you. <em>Does</em> <em>your</em> firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license."]},"sort":[11.111747,"8357289"]},{"_index":"complaint-public-v1","_id":"7119883","_score":11.069283,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Around last year ( XX/XX/XXXX ) i had gotten a car from Byrider Bridgeview, but before then i was in the market for a vehicle. During that process, I was actually in communication with a seller at Byrider. I went into the store and we talked about the cars they had and prices. I had decided to not go with Byrider because of how expensive it was. A few weeks go by and the seller at Byrider contacts me and tells me he has a deal for me to get me the car at a discounted price. So i go in and get the car. The price indicated was around {$17000.00} after a {$1000.00} down payment. But over couple of months, I had come to the realisation that i was never paying a discounted price. I was struggling to pay because of the frequency and price of the vehicle, which was {$200.00} every 2 weeks. so around XXXX of XXXX it was repossessed. XXXX of XXXX, i had reclaimed my vehicle, but because it was repossessed they had thrown away all of my items, including the documents for the car that i had had. Since then, i was trying to catch up on payments but it was never ever easy. I had lost my job and other things for a few months that hindered my ability to work. I was able to keep myself afloat for a little bit, but it was extremely difficult. The car had also been having what seemed to be transmission issues only a few months after purchase. I was on my way to XXXX XXXXne day via expressway and my car has started slowing down on the highway. Even as i was pressing the gas and doing what normal things you do when you drive, it did not work one bit. The car had completely stopped on the highway. and it was still running, but would not move. Because of this specifically, i had less access to work around me. \nAround a few weeks ago ( XXXX of XXXX ), I was shopping for insurance through XXXX when i made a surprising discovery- my cars worth was less than {$6000.00}. to be exact, the cars worth was {$5900.00}, according to the website. I found this insanely weird because I had gotten the car only a year prior and at the time i got the car, i was told the cars actual value was way higher- somewhere in between {$9000.00}. I decided to do a little research and confirmed that my cars value was actually around {$5900.00} and NOT around {$9000.00} like i had been made to believe. \nThe company who represents the loan is CNAC. I have been in communications with a few different account managers over the months and ive frequently asked if theres any type of refinancing for the vehicle where i can get my payments lowered like i was told, but there is never any option. They were always telling me that the only thing they offered was the XXXX program, which pushes your overdue payments to the back and you kinda start off fresh. However, it was never easy to even keep up with payments even after you had used XXXX XXXX days. Not to mention, because I had never received my vehicle documents back from CNAC after asking for them from a few different account managers, some repairs had to come out of pocket. My experience with CNAC has been extremely debilitating to my financial health, mental health, and my credit report. My credit has tanked with CNAC because they report every payment, and since they make it extremely difficult to catch up, their customers suffer the greatest losses. And i know it is not just me- it was mentioned by someone at CNAC as well. They have been repossessing so many individuals vehicles. \nAll in all, i am filing this complaint because i believe Byrider/CNAC to use manipulating tactics to loop you into a vehicle loan that their customers can never catch up on, and then they make you feel as if it is your fault. Ive come to understand that a lot of customers of CNAC turn there because theyre turned away from traditional dealerships for having troubled credit. CNAC uses that to manipulate and take advantage of individuals who are in need of a car, only to further tank and ruin their credit, but also isnt upfront about the true value of the car. Their account managers are pretty rude as well. Ive had an account manager that asked me why i fell behind and why i was behind for so long, as if this car is worth the {$200.00} bi-weekly youre requiring people to pay. I know for a fact i wouldve never purchased a vehicle from CNAC if i knew how much it was worth. I would not agree to pay {$17000.00} for a vehicle that is worth 1/3 of that.","date_sent_to_company":"2023-06-15T14:21:24.000Z","issue":"Struggling to pay your loan","sub_product":"Loan","zip_code":"60435","tags":null,"has_narrative":true,"complaint_id":"7119883","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Byrider Franchising, LLC","date_received":"2023-06-15T13:42:31.000Z","state":"IL","company_public_response":null,"sub_issue":"Denied request to lower payments"},"highlight":{"complaint_what_happened":["I was on my way to XXXX XXXXne day via expressway and my car has started <em>slowing</em> <em>down</em> on the highway. Even as i was pressing the gas and <em>doing</em> what normal things you <em>do</em> when you drive, it did not work one bit. The car had completely stopped on the highway. and it was still running, but would not move. Because of this specifically, i had less access to work around me."],"issue":["Struggling to pay <em>your</em> loan"]},"sort":[11.069283,"7119883"]},{"_index":"complaint-public-v1","_id":"2074612","_score":10.973688,"_source":{"product":"Debt collection","complaint_what_happened":"The four companies I am writing about have been relentless and dishonest in attempting to collect from me credit card debts that were generated during the XXXX economic meltdown. That is when the clock started. According to the statute of limitations in California where I reside, these debts are past the statute of limitations period of four years. I was informed on Wednesday that XXXX of these companies has obtained a judgment against me and will begin to garnish my wages effective XXXX XXXX, defying the laws of the state that clearly spell out that debt that is older than 4 years old can not be collected. These aggressive debt collectors have made it a mission to enforce debts that are barred by the statute of limitations. In good faith I negotiated with XXXX of the XXXX debt collecting companies a few years ago and I have been paying down this debt slowly. The other XXXX companies have been incessant in their continued pursuit. These are all open credit accounts debts and the debt collectors know that these debts are old and past the statute of limitations. They still proceeded to sue me. Now my professional reputation within the company I work for is very much negatively impacted, perhaps irreversibly. I have no idea what impact this wage garnishment issue will have on my future advancement chances and income earning potential. The imposed wage garnishment sums are so outlandish that I can not possibly stay financially viable ; I will crash. The XXXX meltdown had terrible financial repercussions on my family and I. When people around me were declaring Chapter XXXX bankruptcy, I stuck it out and fought back in order to pay back loans. My house went into foreclosure three times and three times I saved it from this fate by providing mountains of bank-requested documentation, many times the day before the house went to auction. I am very proud of having achieved this. Unfortunately some of my debts went without recourse and I lamentably could not pay them back. I achieved new and promising employment in XX/XX/XXXX and I was looking forward to a productive and contributory career advancement and now this. I find it appalling that the courts would allow for a lawsuit of this nature, in full knowledge that the cases fall outside of this state 's statute of limitations. My situation now is dire. After having fought back from the precipice more than once, I am besieged by an unlawful and unscrupulous turn of events. Mind you ; I successfully came back from the meltdown while dealing with both my mother and father 's illnesses and subsequent passing. I took care of them every day after work for four years. Would not have done it any other way. So kind folks, an act of XXXX brought me to your website. Your mission statement and goals are so worthy I can not begin to express my sentiments. Thank XXXX that a group like yours exists. Now, I ask for help. I am staring at a life ending on such a false note. Please help my family and I traverse this labyrinth and find true justice out of this terrible whirlwind. I thank you profusely from the bottom of my heart. Pleased do not hesitate to contact me for any reason whatsoever. I want to be a model of what can happen to many consumers that fall into the hands of the evil white collar segment of our society. XXXX Bless You.","date_sent_to_company":"2016-08-24T00:53:03.000Z","issue":"Taking/threatening an illegal action","sub_product":"Credit card","zip_code":"91040","tags":"Older American","has_narrative":true,"complaint_id":"2074612","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Hunt & Henriques","date_received":"2016-08-24T00:53:02.000Z","state":"CA","company_public_response":null,"sub_issue":"Threatened to sue on too old debt"},"highlight":{"complaint_what_happened":["So kind folks, an act of XXXX brought me to <em>your</em> <em>website</em>. <em>Your</em> mission statement and goals are so worthy I can not begin to express my sentiments. Thank XXXX that a group like yours exists. Now, I ask for help. I am staring at a life ending on such a false note. Please help my family and I traverse this labyrinth and find true justice out of this terrible whirlwind. I thank you profusely from the bottom of my heart. Pleased <em>do</em> not hesitate to contact me for any reason whatsoever."]},"sort":[10.973688,"2074612"]},{"_index":"complaint-public-v1","_id":"2076470","_score":10.955047,"_source":{"product":"Debt collection","complaint_what_happened":"The XXXX companies I am writing about have been relentless and dishonest in attempting to collect from me credit card debts that were generated during the XX/XX/XXXX/XX/XX/XXXX economic meltdown. That is when the clock started. According to the statute of limitations in California where I reside, these debts are past the statute of limitations period of four years. I was informed on Wednesday that one of these companies has obtained a judgment against me and will begin to garnish my wages effective XX/XX/XXXX, defying the laws of the state that clearly spell out that debt that is older than 4 years old can not be collected. These aggressive debt collectors have made it a mission to enforce debts that are barred by the statute of limitations. In good faith I negotiated with XXXX of the XXXX debt collecting companies a few years ago and I have been paying down this debt slowly. The other XXXX companies have been incessant in their continued pursuit. These are all open credit accounts debts and the debt collectors know that these debts are old and past the statute of limitations. They still proceeded to sue me. Now my professional reputation within the company I work for is very much negatively impacted, perhaps irreversibly. I have no idea what impact this wage garnishment issue will have on my future advancement chances and income earning potential. The imposed wage garnishment sums are so outlandish that I can not possibly stay financially viable ; I will crash. The XX/XX/XXXX/XX/XX/XXXX meltdown had terrible financial repercussions on my family and I. When people around me were declaring Chapter XXXX bankruptcy, I stuck it out and fought back in order to pay back loans. My house went into foreclosure three times and three times I saved it from this fate by providing mountains of bank-requested documentation, many times the day before the house went to auction. I am very proud of having achieved this. Unfortunately some of my debts went without recourse and I lamentably could not pay them back. I achieved new and promising employment XX/XX/XXXX and I was looking forward to a productive and contributory career advancement and now this. I find it appalling that the courts would allow for a lawsuit of this nature, in full knowledge that the cases fall outside of this state 's statute of limitations. My situation now is dire. After having fought back from the precipice more than once, I am besieged by an unlawful and unscrupulous turn of events. Mind you ; I successfully came back from the meltdown while dealing with both my mother and father 's illnesses and subsequent passing. I took care of them every day after work for four years. Would not have done it any other way. So kind folks, an act of God brought me to your website. Your mission statement and goals are so worthy I can not begin to express my sentiments. Thank God that a group like yours exists. Now, I ask for help. I am staring at a life ending on such a false note. Please help my family and I traverse this labyrinth and find true justice out of this terrible whirlwind. I thank you profusely from the bottom of my heart. Pleased do not hesitate to contact me for any reason whatsoever. I want to be a model of what can happen to many consumers that fall into the hands of the evil white collar segment of our society. God Bless You.","date_sent_to_company":"2016-08-24T00:53:05.000Z","issue":"Taking/threatening an illegal action","sub_product":"Credit card","zip_code":"91040","tags":"Older American","has_narrative":true,"complaint_id":"2076470","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2016-08-24T00:53:04.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Threatened to sue on too old debt"},"highlight":{"complaint_what_happened":["So kind folks, an act of God brought me to <em>your</em> <em>website</em>. <em>Your</em> mission statement and goals are so worthy I can not begin to express my sentiments. Thank God that a group like yours exists. Now, I ask for help. I am staring at a life ending on such a false note. Please help my family and I traverse this labyrinth and find true justice out of this terrible whirlwind. I thank you profusely from the bottom of my heart. Pleased <em>do</em> not hesitate to contact me for any reason whatsoever."]},"sort":[10.955047,"2076470"]},{"_index":"complaint-public-v1","_id":"1682404","_score":10.883691,"_source":{"product":"Bank account or service","complaint_what_happened":"I have XXXX issues with Bank of America. I have my main checking account with them, and I use that checking account to pay all my credit card payments, and I have over a dozen active cards with NEVER EVER ANY MISSED OR LATE PAYMENTS. I log on once a week to all my accounts to verify the balances, and after I make my monthly payments, I WRITE DOWN THE AMOUNT AND DATE. Unfortunately, BofA has an app that does n't give any details about accounts such as statements, no means to email the bank either, and the website is n't any better as from the dozens of institutions I deal with online, BofA is the ONLY ONE NOT TO GIVE YOU A \" FULL SITE OPTION ''. \n\nI also have a credit card account at BofA, so instead of payments, I do a transfer from my checking account to my credit card account, and the transfer gets credited as a payment ( I have been doing it for 10 years with XXXX problem during the transfer about 8 years ago when I still lived in Nevada ). \n\nOn XXXX XXXX, 2015, I logged on to my BofA app, and I made a transfer of {$30.00} from my checking to my credit card account. The app crashed shortly after that while I was scrolling through my checking account transactions, and when I tried logging back on, it asked me to update the app, stating I had an old version ( I was using a different wifi phone ). You may be in an emergency with a slow connection, and they will NOT LET YOU ONLINE UNLESS YOU DOWNLOAD THE NEW VERSION, which would have taken me quite a while on a XXXX connection, so I did n't as I did n't have half an hour to waste and that was it. I doubt they suddenly had an app update right while I was using the app but who knows. Unlike my other cards, I check BofA maybe 3 times a month as I would rather not use that app, and it 's usually early in the month ( I get about a {$3000.00} inbound transfer at the beginning of every month from the rental for my houses, and that I verify the first week of the month ), and then to make my transfer and then maybe one more time. \n\nI logged on yesterday to make my payment, and it showed me as having MISSED A PAYMENT for XXXX. There is no indication that I made the transfer even though I HAVE IT WRITTEN DOWN AS PAID AFTER MAKING THE TRANSFER ( I am neither stupid nor senile not to know when I make a payment ). In the meanwhile, I did NOT get a single notice or call about having missed a payment either, so it was a bit of a surprise. However, BofA keeps logs of when their customers log on, and what pages they go to when they are online, so it should n't be a problem to check the logs for XXXX XXXX to see that I was on the transfer page. Whether the site had problems, or whether it was the app, that is not my problem, I made my regular payment as I have been for the past 10 years or so, so I would like that transfer to be honored. If not, I am going to be closing my account as I am about done, and it would be a good opportunity to never use that app again. \n\nThe other issue is that I have a yearly fee for my credit card in the amount of {$29.00} which is charged in XXXX to my account. I went through 6 months of statements to see if there were other payment issues with the app, and I noticed that I was being charged 29.59 % interest on the MANDATORY BANK FEE which showed AS A PURCHASE. It may not be much to pay 29.59 % interest on {$29.00} dollars but the fact of the matter is that the {$29.00} balance is a bank forced fee, and it is NOT a purchase. So why should I even pay any interest on {$29.00}? Plus, are n't banks supposed to credit your payments towards higher interest balances first? If it is so, the fee was charged in XXXX, and my next payment of {$30.00} should have paid the whole thing off, not to mention I had XXXX more payments after that ( XXXX if the \" missing one '' does n't count ). Either way, if they do that to a few XXXX customers, they are suddenly earning XXXX of XXXX of UNJUST INTEREST, and I have an issue with that.","date_sent_to_company":"2015-12-03T07:21:49.000Z","issue":"Making/receiving payments, sending money","sub_product":"Other bank product/service","zip_code":"337XX","tags":null,"has_narrative":true,"complaint_id":"1682404","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2015-12-03T07:21:48.000Z","state":"FL","company_public_response":"Company chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I log on once a week to all my accounts to verify the balances, and after I make my monthly payments, I WRITE <em>DOWN</em> THE AMOUNT AND DATE. Unfortunately, BofA has an app that <em>does</em> n't give any details about accounts such as statements, no means to email the bank either, and the <em>website</em> is n't any better as from the dozens of institutions I deal with online, BofA is the ONLY ONE NOT TO GIVE YOU A \" FULL SITE OPTION ''."]},"sort":[10.883691,"1682404"]},{"_index":"complaint-public-v1","_id":"16225356","_score":10.797531,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I had purchased my loan to the dealership in XX/XX/XXXX and the only payment that would accept my down payment of {$3000.00} was TD auto finance. I financed a XXXX XXXX XXXX that was used. They charged me {$35000.00}. \n\nI had set up auto pay so I dont have to think about paying the bill however their system processes payments very slow and it could take up to XXXX days in which there has been times that the bill overlaps with another bill and then cant process the payment I have to call the customer service desk to manually make a payment if that happens and XXXX of the ladies said that Im close to having my car repossessed that was around XXXX I had financial hardship because of a workplace injury and another workplace job being affected with my income and so the only thing that they would do for me is give me a month where I only have to pay I think around {$250.00} but then the rest would go back towards the interest ( 8.09 % ) They ended up removing the privilege to automatically pay because of this bill overlap. However, when you call the customer support to manually pay over the phone a process the payment instantly and within XX/XX/XXXX, I have the payment deducted from my account. \n\nI feel like I am being overcharged for the XXXX and they say that it is premium on the title and on the VIN, but there are definitely a lot of features that arent there that would be considered premium. For example, I have a regular key. I dont have a sunroof. I dont have the camera eyesight and other features. \n\nIf I go and sell this car on the market today, it will be probably around for {$8000.00} to someone. \n\nI just think its not fair that I have to manually call to pay my bill and online. It was made easy to pay your bill in different payment amounts rather than just the minimum payment. \n\nI am not sure how to make more than the minimum payment through the phone service. \n\nThere has been hardships constantly happening, whether it was from the XXXX, whether it was from the workplace injury, whether it was a sudden loss of a job. \n\nI strongly believe that the interest payment is ridiculously high. I think that the amount of finance is really high too. Consider considering that I have not been able to access the online portal since XXXX I find it faulty in their system that theyre processing takes XXXX days over auto pay, but if you miss auto pay, they can apparently repossess your car. \n\nI also had not known about certain defects like the passenger inside door handle, not completely latching, causing the door to open on the passenger. The airbag system, for some reason it stays off. There has been for some reason, hoses blowing, and motor oil getting into the radiator. \n\nAlso, my windshield cracked for no reason there was no rock or anything like that and the reason why I mentioning this is because there are potential recalls for aXX/XX/XXXXvalve and there has been previous recalls on other window panels that crack. The XX/XX/XXXX issue also includes a sudden loss of power in which a lot of these recalls dont appear on XXXX website. I know that thats a different measure than when were talking about TD auto finance itself. \n\nIf I knew that a brand new car would have actually given me a lower interest probably around 4 % I wouldve just financed a new car at the XXXX dealership that I purchased this one. I have called their customer service to try to negotiate stuff however it doesnt seem like they arent willing to do much other than what I had stated before about them waving a month, but actually charging you and then applying the balance to your interest. \n\nI feel stuck on minimum payments at a high rate with a car that was overvalued and not having all the bells and whistles as what the title states it should be.","date_sent_to_company":"2025-09-28T20:46:54.000Z","issue":"Struggling to pay your loan","sub_product":"Loan","zip_code":"89509","tags":null,"has_narrative":true,"complaint_id":"16225356","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2025-09-28T20:23:04.000Z","state":"NV","company_public_response":null,"sub_issue":"Denied request to lower payments"},"highlight":{"complaint_what_happened":["I had purchased my loan to the dealership in XX/XX/XXXX and the only payment that would accept my <em>down</em> payment of {$3000.00} was TD auto finance. I financed a XXXX XXXX XXXX that was used. They charged me {$35000.00}."],"issue":["Struggling to pay <em>your</em> loan"]},"sort":[10.797531,"16225356"]},{"_index":"complaint-public-v1","_id":"6550070","_score":10.75643,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am XXXX  and have legally changed my name. Equifax is the only one of the three major credit bureaus who has failed to adequately update my name in their system, making it impossible for me to access my credit report since at least as early as XX/XX/XXXX. This situation has forced me to call Equifax many times, whose phone representatives usually misgender me and even laugh at me while doing it, making it unbearable and fruitless to keep calling. I need to be able to access my credit report, and I should be able to call Equifax when I need to without being callously demeaned. \n\nOn XX/XX/XXXX I was unable to access my credit report through XXXX or the Equifax website. XXXX displayed the message, XXXX XXXX XXXX. On XX/XX/XXXX, I called Equifax and then filed a dispute through my Equifax online account, attaching my updated drivers license and social security card per that days phone representatives specific advice. I kept checking the dispute status on the website, which said it was under investigation through at least XX/XX/XXXX. On XX/XX/XXXX, I noticed the website claimed the dispute had been Completed XX/XX/XXXX but the website still showed my deadname, not the name I verified in my dispute. When I attempted to access my credit report on XXXX the Equifax portion displayed the message, Based on the information provided, we are unable to verify your identity. I have attached screenshots to this complaint of these dispute statuses and my attempt to access my credit report on XX/XX/XXXX. \n\nOn XX/XX/XXXX, the problem was still not fixed so I called Equifax again. The representative misgendered me many times throughout the call, despite immediately introducing myself as XXXX XXXX XXXX. The representative confirmed that Equifax had received my documents and attempted to update my account. They then informed me they required me to either fax or physically mail my name change court order to their dispute department and wait at least another 30 days. \n\nOn XX/XX/XXXX, I again called Equifax, introduced myself as XXXX XXXX XXXX, and the representative immediately proceeded to misgender me, repeatedly. I asked to speak with their XXXX and they ignored me, continuing to misgender me. Eventually, they transferred to another representative who did not misgender me, confirmed that I had submitted my name change court order XX/XX/XXXX, and said they needed to place me on hold while they reviewed my account. A machine cut into my hold and surveyed me on how difficult it was to get the help I needed today, and whether I would hire the representative I had just spoken with, if I ran a customer service company. I called back. The new representative proceeded to misgender me repeatedly. When I asked to speak with a XXXX, I was placed back at the very beginning of the call queue to re-verify my identity for the machine. Seventeen minutes later another representative answers, who proceeds to misgender me repeatedly but is the first Equifax representative to actually apologize, correct themself, and call me sir going forward. They confirm that Equifax has all the documents they require of me, and updates my first and then last name on my website account so that at my user information on my online portal would be correct, providing a confirmation number and telling me I would receive authentication directions in regular mail once its completed in 72 hours. The user information was indeed changed to display correctly for me. After the call, I saw two new disputes on my account dated XX/XX/XXXX. Apparently the representative who sent me to survey while on hold opened and then simply closed a dispute. \n\nXX/XX/XXXX, I was still unable to access my credit report on annualcreditreport.com. My other XXXX credit reports display and print successfully, but Equifax never loads and just shows a blank screen with the annualcreditreport.com header which I am able to use to navigate to the next credit report without ever seeing or printing my report from Equifax. If I try to navigate back through the menus to access it again, I am shown a message saying Report already received, or XXXX experienced an issue processing your request. \n\nXX/XX/XXXX I am still unable to access my Equifax credit report on annualcreditreport.com. My.Equifax.com still shows my dead name and when I attempt to access my credit report, the website displays no error code, just the message We are temporarily unable to complete this request. Please try again later. \n\nOn XX/XX/XXXX, I make myself call Equifax again. I introduce myself as XXXX XXXX XXXX but the representative proceeds to misgender me. They apologize when I correct them but continue to alternate between calling me sir and misgendering me throughout the call. They enrolled me in a service called Equifax XXXX XXXX with access to XXXX XXXX to see what happened when I tried to access my credit score through my.Equifax.com, which gave me the error code Out of XXXX under the same message, We are temporarily unable to provide your credit score. Please try again later. After a hold, the representative told me they escalated through their technical department who would look further into why I my.Equifax.com would not show me my credit report or credit score, fix the issue on my Equifax account, and notify me by email once its been resolved. I asked the representative to add a note for the technical department informing them of the problem also occurring on annualcreditreport.com but the representative told me Equifax does not have control over that website. I was able to convince the representative to at least tell me that they would add that information to the statement for the technical department. I also asked them to look carefully through the system, confirm that all required documents are connected to my account, and to check that my name is correct in all places they could see. They confirmed both, and offered to mail me a paper copy of my credit report. When I received the paper copy, my correct name was on the credit report but was wrapped in a cover sheet with my dead name on the address displayed through the envelope window which indicated that Equifax clearly has failed to update my name in all places in their system. \n\nOn XX/XX/XXXX, my.Equifax.com displays the following message when I log into my account : Please give us a call and give this code to the Agent : BLNK Your Equifax credit report and score are not available at this time due to a technical error. Please call XXXX XXXX at XXXX ( XXXX ). Hoping that a next step can be taken toward fixing my account, I follow the instructions and call Equifax. I introduce myself as XXXX XXXX XXXX and the representative proceeds to misgender me repeatedly, interrupting me to misgender me again in the middle of me correcting them, over and over rather than listening to me. They eventually slowed down, apologized, called me sir, and proceeded to speak with me in a very strained voice while asking me to verify my identity not only through the usual questions but also by making me read back a one-time passcode they sent me. The representative told me the same thing that the one on XX/XX/XXXX had - that they were going to escalate the case and I would receive an email when it was resolved. \n\nI have not contacted Equifax since XX/XX/XXXX because it is traumatic and does solve my problem of being unable to access my credit report. As of today, the problem persists on both annualcreditreport.com and my.Equifax.com.","date_sent_to_company":"2023-02-10T03:24:54.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"152XX","tags":null,"has_narrative":true,"complaint_id":"6550070","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-02-10T02:51:01.000Z","state":"PA","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["I kept checking the dispute status on the <em>website</em>, which said it was under investigation through at least XX/XX/XXXX. On XX/XX/XXXX, I noticed the <em>website</em> claimed the dispute had been Completed XX/XX/XXXX but the <em>website</em> still showed my deadname, not the name I verified in my dispute. 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