{"took":306,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":9,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"13111711","_score":25.556234,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Transunion is reporting misinformation from errors after Transunion 's previous disputes resolution XXXX resolved all issues of late payments previously reported in error XXXX XXXX XXXX and removed all issues of late payment errors. \n\nOn XX/XX/XXXX Transunion 's Dispute resolution XXXX updates my account from XX/XX/XXXX - XX/XX/XXXX as CURRENT and all of XXXX errors of late payments was removed by Dispute resolution XXXX and dispute updates are to be permanent. See attached Transunion Dispute resolution XXXX XX/XX/XXXX In error Transunion reported XXXX XXXX XXXX accounts as late for XX/XX/XXXX which nullified their dispute resolution and made error updates which is again giving misinformation on my credit file which was previously corrected from XXXX XXXX XXXXXXXX account XXXX and wrongly reporting information of my payment history and cause a drop of XXXX point. See attached Transunion recent changes document. \n\nDue to glitches and errors with XXXX XXXX XXXX account I closed it, and even after doing that I am hit with another error that was previously corrected and updated, now in error back again causing me financial harm and stress due to these repeatedly misinformation on my Transunion credit file that Transunion pledged was resolved on XX/XX/XXXX. \n\nI request that the Chime/Stride Credit Builder be COMPLETELY REMOVED FROM MY CREDIT FILE due to continued, complexity of error reporting of misinformation over past 7 months as can be seen on dispute filings on Consumer Finance and Transunion, and lack of sure updates or corrective actions Transunion and account holder, at minimal make updates again and remove ALL late payments from XXXX XXXX XXXXXXXX account","date_sent_to_company":"2025-04-22T22:40:07.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"287XX","tags":"Older American","has_narrative":true,"complaint_id":"13111711","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-22T21:40:09.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I request that the Chime/Stride Credit Builder be COMPLETELY REMOVED FROM MY CREDIT FILE due to continued, complexity of <em>error</em> <em>reporting</em> of <em>misinformation</em> <em>over</em> <em>past</em> 7 <em>months</em> as can be <em>seen</em> on dispute filings on Consumer Finance and Transunion, and lack of sure updates or corrective actions Transunion and account holder, at minimal make updates again and remove ALL late payments from XXXX XXXX XXXXXXXX account"],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[25.556234,"13111711"]},{"_index":"complaint-public-v1","_id":"7530462","_score":14.034306,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I hope this letter reaches you in good health. I am writing to express my deep concern and frustration regarding the treatment of my credit card account with your company. \n\nOver the past several months, I have experienced a series of issues that have caused significant distress and financial hardship due to the handling of my credit card account. I would like to outline the key problems I have encountered : 1. It has come to my attention that my account has been subject to several charge-off attempts, despite my attempts to address any outstanding issues and make necessary payments. These actions have had a severe negative impact on my credit history and financial well-being.\n\n2. I have previously initiated disputes regarding certain items on my account that I believe were inaccurate. Unfortunately, my concerns were not adequately addressed, and these disputes were not resolved to my satisfaction.\n\n3. I have noticed that there are public records associated with my account that have adversely affected my creditworthiness. These records are not a true reflection of my financial history and should be rectified.\n\nThese issues have resulted in a significant financial burden and have made it challenging for me to access necessary financial products and services. I believe that the mishandling of my account is contributing to these difficulties.\n\nI kindly request the following actions to resolve these issues promptly : Review and rectify any inaccuracies on my account, including the removal of unjustified charge-off attempts, the resolution of disputed items, and the correction of public records.\n\nProvide a detailed explanation of the circumstances leading to these issues and the steps taken to prevent their recurrence.\n\nRemove any late payment fees, negative credit reporting, or public records that were unjustly associated with my account.\n\nImprove the transparency and effectiveness of your dispute resolution process to ensure that customers can receive timely assistance and resolutions.\n\nI expect a comprehensive and prompt resolution of these matters, as the inaccuracies and negative entries on my account are causing severe financial harm and stress. Failure to address these concerns adequately may compel me to seek further assistance from regulatory agencies or legal counsel to protect my rights as a consumer.\n\nI believe in resolving this matter amicably and look forward to your prompt response. Please consider this letter as a formal complaint and a request for a thorough investigation into the issues I have raised. The following items are needs to be removed immediately : 1. XXXX XXXX XXXX Balance Owed : {$2400.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.\n\n2. XXXX XXXX XXXX Balance Owed : {$0.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.\n\n3. XXXX XXXX Balance Owed : {$5700.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. \n\n4. XXXX XXXX XXXX Balance Owed : {$0.00} - I would like you to review the docket number and type of public record because I have a feeling it is violating the Fair Credit Reporting Act. Please remove this account included in bankruptcy for violating the Fair Credit Reporting Act. \n\n5. XXXX  XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX - I did not file a XXXX  XXXX bankruptcy with the courts. When I spoke with the court clerk that did not have records. Please provide the contact information of the 3rd party data furnisher that provided you as the credit reporting agency with this misinformation so I may contact them directly.\n\n6. XXXX  XXXX Bankruptcy Reference # : XXXX Closing Date : XXXX I did not file a XXXX  XXXX bankruptcy with the courts. When I spoke with the court clerk that did not have records. Please provide the contact information of the 3rd party data furnisher that provided you as the credit reporting agency with this misinformation so I may contact them directly.\n\n7. XXXX  XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it.\n\n8. XXXX  XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX - I did not file a XXXX  XXXX bankruptcy with the courts. When I spoke with the court clerk that did not have records. Please provide the contact information of the 3rd party data furnisher that provided you as the credit reporting agency with this misinformation so I may contact them directly.","date_sent_to_company":"2023-09-11T10:16:10.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"7530462","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-09-11T10:16:06.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Over</em> the <em>past</em> several <em>months</em>, I have experienced a series of issues that have caused significant distress and financial hardship due to the handling of my credit card account. I would like to outline the key problems I have encountered : 1. It has come to my attention that my account has been subject to several charge-off attempts, despite my attempts to address any outstanding issues and make necessary payments."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an <em>error</em> on your <em>report</em>"]},"sort":[14.034306,"7530462"]},{"_index":"complaint-public-v1","_id":"7531827","_score":13.985049,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I hope this letter reaches you in good health. I am writing to express my deep concern and frustration regarding the treatment of my credit card account with your company.\n\nOver the past several months, I have experienced a series of issues that have caused significant distress and financial hardship due to the handling of my credit card account. I would like to outline the key problems I have encountered : 1. It has come to my attention that my account has been subject to several charge-off attempts, despite my attempts to address any outstanding issues and make necessary payments. These actions have had a severe negative impact on my credit history and financial well-being.\n\n2. I have previously initiated disputes regarding certain items on my account that I believe were inaccurate. Unfortunately, my concerns were not adequately addressed, and these disputes were not resolved to my satisfaction.\n\n3. I have noticed that there are public records associated with my account that have adversely affected my creditworthiness. These records are not a true reflection of my financial history and should be rectified.\n\nThese issues have resulted in a significant financial burden and have made it challenging for me to access necessary financial products and services. I believe that the mishandling of my account is contributing to these difficulties.\n\nI kindly request the following actions to resolve these issues promptly : Review and rectify any inaccuracies on my account, including the removal of unjustified charge-off attempts, the resolution of disputed items, and the correction of public records.\n\nProvide a detailed explanation of the circumstances leading to these issues and the steps taken to prevent their recurrence.\n\nRemove any late payment fees, negative credit reporting, or public records that were unjustly associated with my account.\n\nImprove the transparency and effectiveness of your dispute resolution process to ensure that customers can receive timely assistance and resolutions.\n\nI expect a comprehensive and prompt resolution of these matters, as the inaccuracies and negative entries on my account are causing severe financial harm and stress. Failure to address these concerns adequately may compel me to seek further assistance from regulatory agencies or legal counsel to protect my rights as a consumer.\n\nI believe in resolving this matter amicably and look forward to your prompt response. Please consider this letter as a formal complaint and a request for a thorough investigation into the issues I have raised. The following items are needs to be removed immediately : 1. XXXX XXXX XXXX Balance Owed : {$2400.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.\n\n2. XXXX XXXX XXXX Balance Owed : {$0.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.\n\n3. XXXX XXXX Balance Owed : {$5700.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.\n\n4. XXXX XXXX XXXX Balance Owed : {$0.00} - I would like you to review the docket number and type of public record because I have a feeling it is violating the Fair Credit Reporting Act. Please remove this account included in bankruptcy for violating the Fair Credit Reporting Act. \n\n5. XXXX XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX - I did not file a XXXX  XXXX bankruptcy with the courts. When I spoke with the court clerk that did not have records. Please provide the contact information of the 3rd party data furnisher that provided you as the credit reporting agency with this misinformation so I may contact them directly.\n\n6. XXXX  XXXX Bankruptcy Reference # : XXXX Closing Date : XXXX I did not file a XXXX  XXXX bankruptcy with the courts. When I spoke with the court clerk that did not have records. Please provide the contact information of the 3rd party data furnisher that provided you as the credit reporting agency with this misinformation so I may contact them directly.\n\n7. XXXX  XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it. \n\n8. XXXX  XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX - I did not file a XXXX  XXXX bankruptcy with the courts. When I spoke with the court clerk that did not have records. Please provide the contact information of the 3rd party data furnisher that provided you as the credit reporting agency with this misinformation so I may contact them directly.","date_sent_to_company":"2023-09-11T10:16:10.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"7531827","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-09-11T10:16:06.000Z","state":"MO","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Over</em> the <em>past</em> several <em>months</em>, I have experienced a series of issues that have caused significant distress and financial hardship due to the handling of my credit card account. I would like to outline the key problems I have encountered : 1. It has come to my attention that my account has been subject to several charge-off attempts, despite my attempts to address any outstanding issues and make necessary payments."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an <em>error</em> on your <em>report</em>"]},"sort":[13.985049,"7531827"]},{"_index":"complaint-public-v1","_id":"7530458","_score":13.985049,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I hope this letter reaches you in good health. I am writing to express my deep concern and frustration regarding the treatment of my credit card account with your company.\n\nOver the past several months, I have experienced a series of issues that have caused significant distress and financial hardship due to the handling of my credit card account. I would like to outline the key problems I have encountered : 1. It has come to my attention that my account has been subject to several charge-off attempts, despite my attempts to address any outstanding issues and make necessary payments. These actions have had a severe negative impact on my credit history and financial well-being.\n\n2. I have previously initiated disputes regarding certain items on my account that I believe were inaccurate. Unfortunately, my concerns were not adequately addressed, and these disputes were not resolved to my satisfaction.\n\n3. I have noticed that there are public records associated with my account that have adversely affected my creditworthiness. These records are not a true reflection of my financial history and should be rectified.\n\nThese issues have resulted in a significant financial burden and have made it challenging for me to access necessary financial products and services. I believe that the mishandling of my account is contributing to these difficulties.\n\nI kindly request the following actions to resolve these issues promptly : Review and rectify any inaccuracies on my account, including the removal of unjustified charge-off attempts, the resolution of disputed items, and the correction of public records. Provide a detailed explanation of the circumstances leading to these issues and the steps taken to prevent their recurrence. Remove any late payment fees, negative credit reporting, or public records that were unjustly associated with my account. Improve the transparency and effectiveness of your dispute resolution process to ensure that customers can receive timely assistance and resolutions. I expect a comprehensive and prompt resolution of these matters, as the inaccuracies and negative entries on my account are causing severe financial harm and stress. Failure to address these concerns adequately may compel me to seek further assistance from regulatory agencies or legal counsel to protect my rights as a consumer. I believe in resolving this matter amicably and look forward to your prompt response. Please consider this letter as a formal complaint and a request for a thorough investigation into the issues I have raised. The following items are needs to be removed immediately : 1. XXXX XXXX XXXX Balance Owed : {$2400.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. \n\n2. XXXX XXXX XXXX Balance Owed : {$0.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. \n\n3. XXXX XXXX Balance Owed : {$5700.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.\n\n4. XXXX XXXX XXXX Balance Owed : {$0.00} - I would like you to review the docket number and type of public record because I have a feeling it is violating the Fair Credit Reporting Act. Please remove this account included in bankruptcy for violating the Fair Credit Reporting Act. \n\n5. XXXX XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX - I did not file a XXXX  XXXX bankruptcy with the courts. When I spoke with the court clerk that did not have records. Please provide the contact information of the 3rd party data furnisher that provided you as the credit reporting agency with this misinformation so I may contact them directly.\n\n6. XXXX  XXXX Bankruptcy Reference # : XXXX Closing Date : XXXX I did not file a XXXX  XXXX bankruptcy with the courts. When I spoke with the court clerk that did not have records. Please provide the contact information of the 3rd party data furnisher that provided you as the credit reporting agency with this misinformation so I may contact them directly. \n\n7. XXXX  XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it. \n\n8. XXXX  XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX - I did not file a XXXX  XXXX bankruptcy with the courts. When I spoke with the court clerk that did not have records. Please provide the contact information of the 3rd party data furnisher that provided you as the credit reporting agency with this misinformation so I may contact them directly.","date_sent_to_company":"2023-09-11T10:15:57.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"7530458","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-09-11T10:06:35.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Over</em> the <em>past</em> several <em>months</em>, I have experienced a series of issues that have caused significant distress and financial hardship due to the handling of my credit card account. I would like to outline the key problems I have encountered : 1. It has come to my attention that my account has been subject to several charge-off attempts, despite my attempts to address any outstanding issues and make necessary payments."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an <em>error</em> on your <em>report</em>"]},"sort":[13.985049,"7530458"]},{"_index":"complaint-public-v1","_id":"7112610","_score":13.613059,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Pls see Attached Docs : STATEMENT PERIOD : XX/XX/XXXX - XX/XX/XXXX DATE : XX/XX/XXXX Monthly Payment Due : {$170.00} Payment Due Date : XX/XX/XXXX STATEMENT PERIOD : XX/XX/XXXX - XX/XX/XXXX DATE : XX/XX/XXXX Monthly Payment Due : {$180.00} Payment Due Date : XX/XX/XXXX STATEMENT PERIOD : XX/XX/XXXX - XX/XX/XXXX DATE : XX/XX/XXXX Monthly Payment Due : {$360.00} Payment Due Date : XX/XX/XXXX As you can see in XX/XX/XXXX my monthly payment was only {$360.00}, then on XX/XX/XXXX its magically \" Overdue '' by 105 days?! Interest charging me on top of it all. \n\nAttached Doc : STATEMENT PERIOD : XX/XX/XXXX - XX/XX/XXXX DATE : XX/XX/XXXX Monthly Payment Due : {$850.00} Payment Due Date : XX/XX/XXXX On XX/XX/XXXX. I receive an email stating my account is \" XXXX '' You are now XXXX  days past due in the amount of {$670.00}. \nNot only did my credit report take my score XXXX, but XXXX wouldn't admit that they were the ones who mess up. They ruined my credit score by stating I was over 120 days past due. When clearly the statements given to me each month never stated or showed any of this. When I called I provided XXXX with all of my bank statements. They said that I didn't miss a payment, I just didn't pay them enough money back in XXXX of XXXX? Almost a year it took for them to even tell me there was something I missed, then when they did advise me, they did it by marking up my credit report with false information, because if I knew I owed or missed anything I would have paid it, but they didn't tell me and then maxed out the \" past due '' days. They then charged me interest and I paid over {$900.00} to correct their mistake, and although they stated they would fix this mistake, my credit score still has not seen that, therefore damaging my changes to purchase a home. \n\nThis is now affecting my day to day life and I will bring in legal council if this is not corrected on my credit report. \n\nSubject : Dispute and Correction of Credit Report Information Dear Sir/Madam , I am writing to inform you about a serious error in my credit report, specifically regarding my account with XXXX. As a consumer, I believe my rights under the Fair Credit Reporting Act have been violated, as outlined in 15 USC 1681 section 6 subsections 2 and 4 ( a ) ( 2 ). I request an immediate correction of this issue to prevent further damage to my creditworthiness. \n\nIn recent communications with XXXX, they have acknowledged that they were at fault for the negative impact on my credit. They admitted that I was up-to-date on all my payments, with no late remarks or outstanding balance. I have attached the relevant statements as evidence to support my claim. However, despite their admission, my credit report still reflects a significant negative impact, resulting in a decrease of my credit score by XXXX points. This inaccurate reporting has severely affected my ability to secure financing, specifically for purchasing a home. \n\nThe discrepancy in XXXX 's reporting began on XX/XX/XXXX, when I received an email notification stating that my account was overdue by XXXX  days, with an alleged amount of {$670.00} owed. This sudden change in status is perplexing, as none of the monthly statements provided by XXXX prior to that date indicated any pending dues or late payments. I promptly contacted XXXX and presented them with my bank statements, which clearly showed that I had not missed any payments. Their response was that I had not paid them enough money back in XX/XX/XXXX, which they neglected to inform me about until almost a year later. Furthermore, instead of rectifying the situation in a transparent manner, XXXX marked up my credit report with false information, erroneously stating that I was over XXXX  days past due. As a result, I was charged interest and forced to pay over {$900.00} to correct their mistake. Despite their assurance that they would rectify the error, my credit score has yet to reflect the necessary corrections, severely hampering my chances of obtaining a mortgage. \n\nI emphasize that this misinformation has had a significant impact on my daily life and financial well-being. While XXXX stated they would remove those \" Past Due '' remarks, they have yet to do so. The only resolution I received from the company from a credited amount of {$300.00}. Which in no way fixes the amount of time I took to write all of these complaints to get this corrected. Or the stress of life under a ( negative XXXX point drop in my credit ) XXXX alone took me from the XXXX range to the XXXX range. And I didn't even make the mistake, XXXX did. I am trying to purchase a home and have been for years, there 100+ days past due is not accurate and is ruining my future. This needs a resolution. \n\nIf the necessary corrections are not made to my credit report promptly, I will be left with no choice but to seek legal representation to protect my rights. \n\nI kindly request that you take immediate action to investigate this matter thoroughly and correct the inaccuracies on my credit report. I believe it is in the best interest of both parties involved to resolve this issue amicably and avoid any potential legal proceedings. \n\nThank you. I look forward to a swift resolution. \n\nSincerely, XXXX XXXX.","date_sent_to_company":"2023-06-13T17:40:50.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"84065","tags":null,"has_narrative":true,"complaint_id":"7112610","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-06-13T16:51:02.000Z","state":"UT","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I receive an email stating my account is \" XXXX '' You are now XXXX  days <em>past</em> due in the amount of {$670.00}. \nNot only did my credit <em>report</em> take my score XXXX, but XXXX wouldn't admit that they were the ones who mess up. They ruined my credit score by stating I was <em>over</em> 120 days <em>past</em> due. When clearly the statements given to me each <em>month</em> never stated or showed any of this. When I called I provided XXXX with all of my bank statements."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[13.613059,"7112610"]},{"_index":"complaint-public-v1","_id":"7112603","_score":13.613059,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Pls see Attached Docs : STATEMENT PERIOD : XX/XX/XXXX - XX/XX/XXXX DATE : XX/XX/XXXX Monthly Payment Due : {$170.00} Payment Due Date : XX/XX/XXXX STATEMENT PERIOD : XX/XX/XXXX - XX/XX/XXXX DATE : XX/XX/XXXX Monthly Payment Due : {$180.00} Payment Due Date : XX/XX/XXXX STATEMENT PERIOD : XX/XX/XXXX - XX/XX/XXXX DATE : XX/XX/XXXX Monthly Payment Due : {$360.00} Payment Due Date : XX/XX/XXXX As you can see in XX/XX/XXXX my monthly payment was only {$360.00}, then on XX/XX/XXXX its magically \" Overdue '' by 105 days?! Interest charging me on top of it all. \n\nAttached Doc : STATEMENT PERIOD : XX/XX/XXXX - XX/XX/XXXX DATE : XX/XX/XXXX Monthly Payment Due : {$850.00} Payment Due Date : XX/XX/XXXX On XX/XX/XXXX. I receive an email stating my account is \" Overdue '' You are now 105 days past due in the amount of {$670.00}. \nNot only did my credit report take my score XXXX, but XXXX wouldn't admit that they were the ones who mess up. They ruined my credit score by stating I was over 120 days past due. When clearly the statements given to me each month never stated or showed any of this. When I called I provided XXXX with all of my bank statements. They said that I didn't miss a payment, I just didn't pay them enough money back in XXXX of XXXX? Almost a year it took for them to even tell me there was something I missed, then when they did advise me, they did it by marking up my credit report with false information, because if I knew I owed or missed anything I would have paid it, but they didn't tell me and then maxed out the \" past due '' days. They then charged me interest and I paid over {$900.00} to correct their mistake, and although they stated they would fix this mistake, my credit score still has not seen that, therefore damaging my changes to purchase a home. \n\nThis is now affecting my day to day life and I will bring in legal council if this is not corrected on my credit report. \n\nSubject : Dispute and Correction of Credit Report Information Dear Sir/Madam , XXXX am writing to inform you about a serious error in my credit report, specifically regarding my account with Upgrade. As a consumer, I believe my rights under the Fair Credit Reporting Act have been violated, as outlined in 15 USC 1681 section 6 subsections 2 and 4 ( a ) ( 2 ). I request an immediate correction of this issue to prevent further damage to my creditworthiness.\n\nIn recent communications with XXXX, they have acknowledged that they were at fault for the negative impact on my credit. They admitted that I was up-to-date on all my payments, with no late remarks or outstanding balance. I have attached the relevant statements as evidence to support my claim. However, despite their admission, my credit report still reflects a significant negative impact, resulting in a decrease of my credit score by XXXX points. This inaccurate reporting has severely affected my ability to secure financing, specifically for purchasing a home. \n\nThe discrepancy in XXXX 's reporting began on XX/XX/XXXX, when I received an email notification stating that my account was overdue by 105 days, with an alleged amount of {$670.00} owed. This sudden change in status is perplexing, as none of the monthly statements provided by XXXX prior to that date indicated any pending dues or late payments. I promptly contacted XXXX and presented them with my bank statements, which clearly showed that I had not missed any payments. Their response was that I had not paid them enough money back in XX/XX/XXXX, which they neglected to inform me about until almost a year later. Furthermore, instead of rectifying the situation in a transparent manner, XXXX marked up my credit report with false information, erroneously stating that I was over 120 days past due. As a result, I was charged interest and forced to pay over {$900.00} to correct their mistake. Despite their assurance that they would rectify the error, my credit score has yet to reflect the necessary corrections, severely hampering my chances of obtaining a mortgage. \n\nI emphasize that this misinformation has had a significant impact on my daily life and financial well-being. While XXXX stated they would remove those \" Past Due '' remarks, they have yet to do so. The only resolution I received from the company from a credited amount of {$300.00}. Which in no way fixes the amount of time I took to write all of these complaints to get this corrected. Or the stress of life under a ( negative XXXX point drop in my credit ) XXXX alone took me from the 700 range to the 500 range. And I didn't even make the mistake, XXXX did. I am trying to purchase a home and have been for years, there 100+ days past due is not accurate and is ruining my future. This needs a resolution. \n\nIf the necessary corrections are not made to my credit report promptly, I will be left with no choice but to seek legal representation to protect my rights. \n\nI kindly request that you take immediate action to investigate this matter thoroughly and correct the inaccuracies on my credit report. I believe it is in the best interest of both parties involved to resolve this issue amicably and avoid any potential legal proceedings. \n\nThank you. I look forward to a swift resolution. \n\nSincerely, XXXX XXXX.","date_sent_to_company":"2023-06-13T17:41:07.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"84065","tags":null,"has_narrative":true,"complaint_id":"7112603","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-06-13T17:41:03.000Z","state":"UT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I receive an email stating my account is \" Overdue '' You are now 105 days <em>past</em> due in the amount of {$670.00}. \nNot only did my credit <em>report</em> take my score XXXX, but XXXX wouldn't admit that they were the ones who mess up. They ruined my credit score by stating I was <em>over</em> 120 days <em>past</em> due. When clearly the statements given to me each <em>month</em> never stated or showed any of this. When I called I provided XXXX with all of my bank statements."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[13.613059,"7112603"]},{"_index":"complaint-public-v1","_id":"7112602","_score":13.613059,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Pls see Attached Docs : STATEMENT PERIOD : XX/XX/XXXX - XX/XX/XXXX DATE : XX/XX/XXXX Monthly Payment Due : {$170.00} Payment Due Date : XX/XX/XXXX STATEMENT PERIOD : XX/XX/XXXX - XX/XX/XXXX DATE : XX/XX/XXXX Monthly Payment Due : {$180.00} Payment Due Date : XX/XX/XXXX STATEMENT PERIOD : XX/XX/XXXX - XX/XX/XXXX DATE : XX/XX/XXXX Monthly Payment Due : {$360.00} Payment Due Date : XX/XX/XXXX As you can see in XX/XX/XXXX my monthly payment was only {$360.00}, then on XX/XX/XXXX its magically \" Overdue '' by 105 days?! Interest charging me on top of it all. \n\nAttached Doc : STATEMENT PERIOD : XX/XX/XXXX - XX/XX/XXXX DATE : XX/XX/XXXX Monthly Payment Due : {$850.00} Payment Due Date : XX/XX/XXXX On XX/XX/XXXX. I receive an email stating my account is \" Overdue '' You are now 105 days past due in the amount of {$670.00}. \nNot only did my credit report take my score XXXX, but XXXX wouldn't admit that they were the ones who mess up. They ruined my credit score by stating I was over 120 days past due. When clearly the statements given to me each month never stated or showed any of this. When I called I provided XXXX with all of my bank statements. They said that I didn't miss a payment, I just didn't pay them enough money back in XXXX of XXXX? Almost a year it took for them to even tell me there was something I missed, then when they did advise me, they did it by marking up my credit report with false information, because if I knew I owed or missed anything I would have paid it, but they didn't tell me and then maxed out the \" past due '' days. They then charged me interest and I paid over {$900.00} to correct their mistake, and although they stated they would fix this mistake, my credit score still has not seen that, therefore damaging my changes to purchase a home. \n\nThis is now affecting my day to day life and I will bring in legal council if this is not corrected on my credit report. \n\nSubject : Dispute and Correction of Credit Report Information Dear Sir/Madam , I am writing to inform you about a serious error in my credit report, specifically regarding my account with Upgrade. As a consumer, I believe my rights under the Fair Credit Reporting Act have been violated, as outlined in 15 USC 1681 section 6 subsections 2 and 4 ( a ) ( 2 ). I request an immediate correction of this issue to prevent further damage to my creditworthiness. \n\nIn recent communications with XXXX, they have acknowledged that they were at fault for the negative impact on my credit. They admitted that I was up-to-date on all my payments, with no late remarks or outstanding balance. I have attached the relevant statements as evidence to support my claim. However, despite their admission, my credit report still reflects a significant negative impact, resulting in a decrease of my credit score by XXXX points. This inaccurate reporting has severely affected my ability to secure financing, specifically for purchasing a home. \n\nThe discrepancy in XXXX 's reporting began on XX/XX/XXXX, when I received an email notification stating that my account was overdue by 105 days, with an alleged amount of {$670.00} owed. This sudden change in status is perplexing, as none of the monthly statements provided by XXXX prior to that date indicated any pending dues or late payments. I promptly contacted XXXX and presented them with my bank statements, which clearly showed that I had not missed any payments. Their response was that I had not paid them enough money back in XX/XX/XXXX, which they neglected to inform me about until almost a year later. Furthermore, instead of rectifying the situation in a transparent manner, XXXX marked up my credit report with false information, erroneously stating that I was over 120 days past due. As a result, I was charged interest and forced to pay over {$900.00} to correct their mistake. Despite their assurance that they would rectify the error, my credit score has yet to reflect the necessary corrections, severely hampering my chances of obtaining a mortgage. \n\nI emphasize that this misinformation has had a significant impact on my daily life and financial well-being. While XXXX stated they would remove those \" Past Due '' remarks, they have yet to do so. The only resolution I received from the company from a credited amount of {$300.00}. Which in no way fixes the amount of time I took to write all of these complaints to get this corrected. Or the stress of life under a ( negative XXXX point drop in my credit ) XXXX alone took me from the 700 range to the 500 range. And I didn't even make the mistake, XXXX did. I am trying to purchase a home and have been for years, there 100+ days past due is not accurate and is ruining my future. This needs a resolution. \n\nIf the necessary corrections are not made to my credit report promptly, I will be left with no choice but to seek legal representation to protect my rights. \n\nI kindly request that you take immediate action to investigate this matter thoroughly and correct the inaccuracies on my credit report. I believe it is in the best interest of both parties involved to resolve this issue amicably and avoid any potential legal proceedings. \n\nThank you. I look forward to a swift resolution. \n\nSincerely, XXXX XXXX.","date_sent_to_company":"2023-06-13T17:41:07.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"84065","tags":null,"has_narrative":true,"complaint_id":"7112602","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-06-13T17:41:03.000Z","state":"UT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I receive an email stating my account is \" Overdue '' You are now 105 days <em>past</em> due in the amount of {$670.00}. \nNot only did my credit <em>report</em> take my score XXXX, but XXXX wouldn't admit that they were the ones who mess up. They ruined my credit score by stating I was <em>over</em> 120 days <em>past</em> due. When clearly the statements given to me each <em>month</em> never stated or showed any of this. When I called I provided XXXX with all of my bank statements."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[13.613059,"7112602"]},{"_index":"complaint-public-v1","_id":"14113059","_score":9.946334,"_source":{"product":"Debt collection","complaint_what_happened":"To the best of my knowledge this debt occurred in XXXX or early XXXX. I was a caregiver for a XXXX XXXX  who had XXXX XXXX and XXXX. I found a bill where XXXX XXXX XXXX had an in my name for XXXX XXXX cable services. as I explained to XXXX XXXX, XXXX XXXX was no longer able to maintain an account and have the account in my name. I needed this account closed. The final bill was sent to me and I assumed that would be the close date of the bill. I saw there was {$50.00} deposit on the account. This amount would More than cover the final bill after disconnection. \n\nI spoke to XXXX & returned the modem to XXXX XXXX as XXXX is the name of the gentleman in question. I was assured by a XXXX representative the final bill would be paid in full by the deposit of {$50.00}. The actual last bill was less than {$50.00} according to the billing statement for that month. The bill was somewhere between {$40.00} and {$45.00} to the best of my recollection. \n\nXXXX XXXX vacated his residence shortly afterward. I assumed everything was resolved. I even called XXXX XXXX to explain to them what happened and that I returned the modem to the local office. A few months later, I became aware of that there was still a balanced due in my name when everything was supposed to have already been resolved. I asked why. XXXX Then told me they never disconnect an account that is past due only XXXX  days. The representative at XXXX XXXX told me they wait XXXX  days or more before disconnecting service. But that's not what the letter and XXXX stated! \n\nThat's not what the bill stated that I saw and responded to. I was assured the deposit would cover the final bill as long as I returned the modem in good condition. I did that. \n\nin my opinion XXXX XXXX and their representatives are unscrupulous. I don't know how or why they could have charged {$300.00} to XXXX  XXXX When the deposit took care of the final months bill and there was no services used after that time because there was no modem. I returned it. And yet they said they kept billing for services. XXXX evidently charged for extra months never used and didn't debit the deposit properly. They also charged huge punitive late charges evidently. They also may have charged for the modem which they received at their local office. But some of this I was not aware of until much later. XXXX XXXX had moved away and I assumed everything had been finally resolved. I'm letting you know all this information that I found out afterward. I did call them to complain about the whole situation and tell them what had happened, but evidently nothing was resolved on their end. They evidently billed me through XXXX XXXX 's address, where no one was receiving mail. They turned it over to one collection agency and then another. At one point I saw two collection agencies trying to collect the same bill on the same credit bureau. I believe this was on Equifax and possibly on experian as well at the same time. I currently have not seen the second collection agency on either report, other than the Harris and Harris LTD collection agency that is still on both reports.\n\nThis situation is doubly egregious. \nIn the first place, the debt wasn't even mine. The service was being used by XXXX XXXX XXXX at his address. And secondly, when I became aware of This account, I thought it was paid for and resolved. I was assured it would be taken care of. But it wasn't. The error was multiplied and charge to me illegally and unlawfully. This is fraud! This is fraud by XXXX XXXX and fraud by extension via Harris and Harris LTD. I explained all of this to Harris and also to XXXX. Neither of them did anything except expecting me to come up with various documentation and file criminal charges against XXXX XXXX who is now either deceased or in a XXXX home. His mind was so far gone by XXXX, that he hardly knew me or recognized me XXXX  months later When I briefly saw him near the XXXX  XXXX in XXXX, Florida. \n\nI also submitted this information to and through a third party to XXXX. XXXX  promptly removed this fraudulent and incorrect delinquent That had numerous errors, as well as showing two separate collection agencies, both attempting to collect the same debt at the same time. \n\nThis was removed from XXXX  successfully in XXXX of XXXX. However, it was not removed by XXXX  nor by XXXX. I had conversations with both of these companies and also attempted to have this incorrect derogatory information removed electronically by a third party. I also disputed this information a second time with XXXX. I manually disputed the XXXX  delinquent account and it was disputed by a third party service as well. I even tried the service a second time with no results. in XXXX of XXXX I disputed this information again with XXXX  but it has failed for the fourth time. \n\nOn this final attempt, the XXXX  representative seemed very pleasant and helpful, but it is obvious to me that disputes are not looked into fairly or thoroughly. I explained that XXXX XXXX XXXX is likely in a XXXX home now, or has since deceased. I have no contact with him and do not have any idea where he is other than he may still reside in XXXX, Florida, If he is still alive. \n\nI have attempted to resolve this issue myself. But it is obvious that these credit bureaus are unscrupulous and do not care about accuracy of the report nor do they care about the consumer. Ultimately, they do whatever they think they need to do as programmed by some algorithm or programmed response. They don't check into the validity of real complaints or real issues that should be addressed. This one derogatory complaint is the only one I have on my XXXX  and XXXX. It may be lodged in some other sub reports that feed information to the big three bureaus. I've been more than patient. I've been working on this for almost XXXX  years. I've only gotten this false information removed from XXXX. When I checked XXXX  today I did not see it but it's still there on some reports. It disappears and then comes back. It seems to be permanently embedded into XXXX. I've challenged it XXXX times in total. They keep coming back with a statement saying the account information has been validated. All the system is doing is validating that I'm the same person who they have on the account originally. I explained what happened. I explained how it happened. I explained that it was taken care of. This is all bogus and faults. I am so furious. The next stop is lawsuits. I need my government to help me. Other people are in the same situation. And I'm sure they are equally as frustrated and angry. Please help me. I don't know what else to do. This is all I know to do at this point. They are ignoring me. I didn't save any information other than the documentations attached to this report showing the account and the derogatory status with XXXX  and XXXX. I am so tired of this. It's like some XXXX that you can't get rid of. You do everything but it's still sticks to you. Please help rid me of this misinformation, fraudulent XXXX. That's what it is. These credit bureaus take horrible advantage of consumers. Most consumers don't know how to fight back. I really don't either. But I'm trying to do all that I know to do. Please advise. There is no excuse for this to remain on my credit bureau or reflect anything negative towards me any longer. Thank you for your assistance.","date_sent_to_company":"2025-06-23T17:06:19.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Telecommunications debt","zip_code":"32778","tags":"Older American","has_narrative":true,"complaint_id":"14113059","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Harris & Harris, Ltd.","date_received":"2025-06-16T05:38:17.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["They turned it <em>over</em> to one collection agency and then another. At one point I saw two collection agencies trying to collect the same bill on the same credit bureau. I believe this was on Equifax and possibly on experian as well at the same time. I currently have not <em>seen</em> the second collection agency on either <em>report</em>, other than the Harris and Harris LTD collection agency that is still on both <em>reports</em>.\n\nThis situation is doubly egregious. \nIn the first place, the debt wasn't even mine."]},"sort":[9.946334,"14113059"]},{"_index":"complaint-public-v1","_id":"6151028","_score":5.8648133,"_source":{"product":"Mortgage","complaint_what_happened":"My husband XXXX XXXX and I began the process of refinancing our construction loan into a mortgage in XXXX  of XXXX We chose to use Navy Federal Credit Union (NFCU) because we knew that we could lock in a rate for 90, 120, or 180 days. As our construction loan did not expire until XXXX XXXX XXXX, we knew we would be able to (and we wanted to) choose a rate lock-in expiration that would put us after our construction loan terminates.\n\nWhen we first called NFCU in late XXXX of this year, we worked with XXXX XXXX XXXX XXXX XXXX XXXX XXXX and explained what we wanted to do. There were various phone calls/emails between us regarding what information was needed.\n\nOn XXXX XXXX I emailed to ask XXXX to explain some of the paperwork we were being asked to sign and review because it did not make sense, specifically the cash to close. She never responded to that request. She did call us (I believe this was on XXXX XXXX) to \"go over our file\" per her email, but this call was mostly to let us know that we were going to be working with XXXX XXXX XXXX XXXX XXXX XXXX and that she would be sending us information to fill out/upload. I asked if I would be able to speak with XXXX prior to doing this as I was confused with the process and still felt unsure that NFCU knew exactly what we wanted to do in terms of our rate lock.\n\nOn XXXX XXXX my husband and I received an email asking us to upload additional documents for XXXX XXXX. I emailed XXXX that same morning asking if we could speak over the phone because. Per my email, I specifically stated that, \"I feel like what we initially said we wanted with this loan is not happening. We keep getting told that locking in our rate happens later on in the process, but this is all very confusing. I would like some clarification.\" We did speak later that day. At this point, my husband I and still were no aware that our rate lock had started on XXXX XXXX  And in the multiple times that I asked, I was told that it would happen later in the process.\n\nWe continued to work with XXXX, mostly in regards to uploading documents that were requested in XXXX XXXX and setting things up for the appraiser to come out.\nOn XXXX XXXX XXXX XXXX XXXX XXXX  emailed my husband and I that our lock in rate for the interest was set to expire on XXXX XXXX (3 days after we received this email). I emailed her within the hour very confused because we were never asked to fill out any documents or choose our preference for our rate lock. We had been clear that we wanted it to be after our home construction loan terminates, but somebody else made that decision for us, and chose a rate lock term that ended on XXXX XXXX without our knowledge or permission.\n\nOn XXXX XXXX XXXX XXXX XXXX  central time, I received a call from XXXX stating that our rate lock was extended because there was an error on their end regarding the way something was input. I questioned her about this extension because I did not want any issues to come up before we closed on the re-finance. She let me know that there would be no issues. We thought everything was resolved until I received an email on XXXX XXXX XXXX XXXX XXXX central time when XXXX  emailed my husband and I that our rate lock in had in fact, not been extended. In her email she stated that NFCU could not verify that a lock in error had occurred at the time of the initial lock and that it was time stamped on XXXX XXXX She also stated that where it became unclear was whether or not it was explicitly stated to us that we would be locking in the rate and/or where the misinformation of extended rate locks being set up later in the process originated.\nI emailed XXXX as soon as I read that message and replied at XXXX, letting her know that I was confused and did not understand what was happening. I explained again that I had asked several times about the rate lock, but nobody had asked us to choose the term of the rate lock extension. I also explained that I was unaware that it was initially locked in on XXXX XXXX, and that whoever had done that had done so without asking us. I also let her know that throughout this loan process I questioned several times whether NFCU knew what our intentions were in regard to the loan, and that her email confirmed that they in fact did not understand what my husband and I tried to do initially, which was to lock in a rate that would end after XXXX XXXX I also asked her where I could file a complaint regarding the lack of transparency that NFCU had shown us when locking in a rate expiration without explicitly asking us if it was okay. She did say that there was a brief discussion about rate lock options but that she never revisited that with us but that prior to that discussion there was in information in our file detailing the initial rate lock.\n\nXXXX  called me at XXXX of that same day XXXX XXXX and told me that the email I sent was exactly what she needed as it made clear that both my husband and I were not aware of the lock in rate extension. She let me know what she was going to take this as high up as possible and make it right. We agreed that she would call me with any update.\n\nBy the following day, XXXX XXXX, I did not have any updates and I emailed XXXX at XXXX XXXX central time to see if there were any updates and also to find out what happened between the time she told me that she had gotten us an extension on Wednesday and then telling me she had not in fact done so, on Thursday.\nI called XXXX at XXXX central time on XXXX XXXX because I still did not have an update. I called the general phone of NFCU and spoke with XXXX. I explained the situation and she gave me the names of XXXX supervisors. I asked her where I could make a formal complaint regarding this situation, and she directed me to send a message online. She stated that XXXX would contact me in 15-20 minutes.\n\nAt XXXX central time on XXXX XXXX XXXX called me back because she wanted to explain what had lead to the reason the rate lock was denied. I explained to XXXX that I had a meeting at XXXX central time and she stated that she would be in the office until XXXX central time and we made a decision at that time to speak after my meeting.\nMy husband called XXXX shortly after our phone call asking her information about the appraisal and why NFCU did not seem in a rush to get the ball rolling if she knew the extension was set to expire on XXXX XXXX (specifically because we were not aware of this until XXXX told us, because we at no time made a decision about the term of our lock in period).\nI called XXXX  back on XXXX central time and she explained the process of the denial for our extension. When I asked questions about the rate lock that was made on XXXX XXXX, she told me that there were no \"comments\" in our file, only that it was done as the time stamp shows. She said that there are usually comments left in that section, and that it was odd that there was nothing there. I did explain that it seems unfair that a blank box without comments would be seen as proper and explicit communication with us that we were locking in a rate, even though there is email communication with me asking when we would lock it in. It seems absurd that I would be asking about when we would lock in a rate, if I knew we had already done that on XXXX XXXX  \nAfter making an official complaint at a local branch office and one online via the NFCU on SaturdayXXXX XXXX XXXX XXXX I was contacted by XXXX XXXX  via telephone from NFCU on XXXX XXXX XXXX XXXX XXXX. He let me know that he was now assigned to our case and would be our primary contact. I described my complaint and let him know that I had also submitted a written complaint via the NFCU website. He told me he would contact me on Wednesday with an update, if not before then.\n\nOn XXXX XXXX XXXX XXXX he called me to let me know that I would be receiving a loan mortgage estimate so that they would be in compliance with regulations that require that I receive a new estimate within three days when there are changes with the loan. He stressed that I should not worry about what it said in regards to the numbers as he was still working on getting NFCU to honor the rate of 4.65%. He also let me know that he had spoken to my husband and had told him that the goal was to have everything done and we could close on Wednesday XXXX XXXX My husband  let him know that this would not work as per our construction loan, we need to be closed before XXXX XXXX. He said that outside of waiting to hear an update on the rate, his team was ready and things should be in place to close on XXXX XXXX XXXX  There were no updates on Wednesday, XXXX XXXX XXXX XXXX called me at XXXX  central time on XXXX XXXX letting me know that a decision had not been made. He said his team was working to get our rate honored and he would follow up with me first thing in the morning to update me on whatever happened on Thursday afternoon.\n\nOn XXXX XXXX XXXX at XXXX central time I called and left a message for XXXX  as I had been expecting an update. My husband and I had to call several times for updates and per XXXX at XXXX central time, the rate lock still in question. I reminded him that the reason I escalated this was because of the timeline to close. I let him know that I did not understand what was happening. He told me on our first conversation that his job was to be objective and not take a side. He has told me that on his end he is trying to have NFCU honor the rate. I explain that it seems that if he says he is working to have them honor the rate and XXXX has told us a mistake was made on their end, I did not understand what was taking so long. XXXX XXXX  supervisor called me awhile later that day XXXX XXXX  to report that the rate lock was going to be extended to the end of the month. \n\nThe following week, the bank where we had our construction loan, sent a payoff statement to NFCU and it was then that the loan officer from the construction loan let me know that we were to close on XXXX XXXX. I did think it was odd that the information would come from her and not my loan officer. As things progressed that week XXXX  requested more documents and we gave them to her as soon as possible. By XXXX XXXX XXXX XXXX let me know that we were not likely going to close on XXXX XXXX because we still did not have a closing disclosure (and we needed to have it for 3 days). My husband and I again expressed our frustration because we had done everything that was asked of us and we were told that their \"entire team\" was working on it. By the next week, we still not had heard anything from NFCU. After several phone calls made by my husband and I, we finally were able to get ahold of XXXX XXXX It was then that he explained to my husband that we needed to have another inspection. He then told me that he knew we needed to have this done on XXXX XXXX XXXX, but failed to let us know until we finally were able to get ahold of him near the end of the business day on XXXX XXXX I also called to speak to the supervisor for XXXX XXXX and let a message for her to call me. As of XXXX XXXX XXXX, she has yet failed to contact me. \n\nOn XXXX XXXX XXXX, I sent an e-message via the NFCU website as I was frustrated with how our loan was handled and how there was such poor communication in regards to what was needed. This complaint XXXX did get an email response stating that it was escalated to the appropriate parties for a response. It is XXXX XXXX XXXX and there has yet to be any response. \n\nWhen we did finally get our closing disclosure, I had to contact the title company to set everything upXXXX XXXX  told me she could/would take care of the wire transfer on two occasions. When I called to check on this, it had not been done and I was advised to do it myself. I had no problem doing that, but the concern is that had I not called, it would not have been done. It is extremely frustrating to be told something would be handled, and then not only not have it handled, but only find out because you had to call and check on things. \n\n\nThe biggest complaints we have are as follows:\n1. NFCU employees were not clear or explicit in their explanation to us about the terms of the rate lock (neither on XXXX XXXX or for the extension). When we first reach out to NFCU we were very confident in our decision to move forward because NFCU had the options available that we wanted to lock in a rate after our construction loan was over. It saddens me that employees did not take the time to ensure we understood what was happening, even when I repeatedly noted that I was had questions about the terms of the rate lock in and questions about NFCU understanding what we wanted.\n\n2 It is irreprehensible that an employee would tell a member with confidence that errors occurred on their end, that they would fix it, and tell the member that it was fixed; and then walk back on that statement the following day. To not honor what you say is something I would have ever expected from NFCU. The mission of \"members first\" was not done here.\n\n3. It is frustrating that NFCU employees would not be forthcoming with information that is needed, especially when the complaint was escalated on two occasions due to the time sensitive nature of closing. It should not be up to the members to have to call and email multiple times just to get answers. This frustration extends all the way up to the resolution center. XXXX XXXX told us that he would be our main point of contact and he withheld important information that we needed so that we could get a timely inspection. It made us question whether NFCU was working to retaliate against us so that the closing process would move us beyond the end of the month so that they would not have to honor the rate lock.\n\nOver the past six weeks, we have been made aware that somebody made decisions without our explicit consent in regard to the terms of our rate lock. We were lied to and misled despite our questions regarding very specific items. This entire situation would have been avoided had NFCU been transparent and upfront when we asked questions. If it was not for us constantly asking question and escalating the situation, we would have been taken advantage of in regard to our mortgage. It is awful to think this could happen to somebody who gets tired of dealing with NFCU and gives up. \n\nPrior to this incident, we would have gladly and without hesitation, recommended NFCU for all of their services. I now have several reservations in recommending them to anybody due to the actions they displayed. It appears that this kind of behavior comes from the top down as we had poor communication and lack of transparency from the resolution center, down to our loan processor and loan officer. People deserve better. Members deserve better. And NFCU is better than what has been displayed to us.","date_sent_to_company":"2022-11-02T02:22:13.000Z","issue":"Closing on a mortgage","sub_product":"VA mortgage","zip_code":"780XX","tags":"Servicemember","has_narrative":true,"complaint_id":"6151028","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2022-11-02T01:39:29.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["It made us question whether NFCU was working to retaliate against us so that the closing process would move us beyond the end of the <em>month</em> so that they would not have to honor the rate lock.\n\n<em>Over</em> the <em>past</em> six weeks, we have been made aware that somebody made decisions without our explicit consent in regard to the terms of our rate lock. We were lied to and misled despite our questions regarding very specific items."]},"sort":[5.8648133,"6151028"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":9,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":9}]}},"product":{"doc_count":9,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":4}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":3}]}},{"key":"Debt collection","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Telecommunications debt","doc_count":1}]}},{"key":"Mortgage","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"VA mortgage","doc_count":1}]}}]}},"issue":{"doc_count":9,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Improper use of your report","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":3}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":3}]}},{"key":"Closing on a mortgage","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Incorrect information on your report","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account information incorrect","doc_count":1}]}},{"key":"Took or threatened to take negative or legal action","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Threatened or suggested your credit would be damaged","doc_count":1}]}}]}},"timely":{"doc_count":9,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":9}]}},"company_response":{"doc_count":9,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":5},{"key":"Closed with non-monetary relief","doc_count":4}]}},"submitted_via":{"doc_count":9,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":9}]}},"company":{"doc_count":9,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":3},{"key":"EQUIFAX, INC.","doc_count":2},{"key":"Experian Information Solutions Inc.","doc_count":2},{"key":"Harris & Harris, Ltd.","doc_count":1},{"key":"NAVY FEDERAL CREDIT UNION","doc_count":1}]}},"state":{"doc_count":9,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"MO","doc_count":3},{"key":"UT","doc_count":3},{"key":"FL","doc_count":1},{"key":"NC","doc_count":1},{"key":"TX","doc_count":1}]}},"company_public_response":{"doc_count":9,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":5},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":2}]}},"tags":{"doc_count":9,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Older American","doc_count":2},{"key":"Servicemember","doc_count":1}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-15T12:00:00-05:00","last_indexed":"2026-07-15T12:00:00-05:00","total_record_count":16469162,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}