{"took":313,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":30315,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"12014650","_score":10.425756,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am beyond frustrated with the repeated errors on my report. No matter how many times I try to address this, I keep finding mistakes that are damaging my score and blocking me from financial opportunities. I have done my partIve checked, Ive disputed, and yet the errors remain.","date_sent_to_company":"2025-02-11T00:27:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"874XX","tags":null,"has_narrative":true,"complaint_id":"12014650","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-11T00:23:48.000Z","state":"NM","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 am beyond frustrated with the repeated <em>errors</em> on my report. No matter how many times I try to address this, I keep finding mistakes that are damaging my score and blocking me from financial opportunities. I have done my <em>partIve</em> checked, Ive disputed, and yet the <em>errors</em> remain."]},"sort":[10.425756,"12014650"]},{"_index":"complaint-public-v1","_id":"12014301","_score":10.425707,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am beyond frustrated with the repeated errors on my report. No matter how many times I try to address this, I keep finding mistakes that are damaging my score and blocking me from financial opportunities. I have done my partIve checked, Ive disputed, and yet the errors remain.","date_sent_to_company":"2025-02-11T00:31:11.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"874XX","tags":null,"has_narrative":true,"complaint_id":"12014301","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-11T00:24:36.000Z","state":"NM","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I am beyond frustrated with the repeated <em>errors</em> on my report. No matter how many times I try to address this, I keep finding mistakes that are damaging my score and blocking me from financial opportunities. I have done my <em>partIve</em> checked, Ive disputed, and yet the <em>errors</em> remain."]},"sort":[10.425707,"12014301"]},{"_index":"complaint-public-v1","_id":"12014821","_score":10.409353,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am beyond frustrated with the repeated errors on my report. No matter how many times I try to address this, I keep finding mistakes that are damaging my score and blocking me from financial opportunities. I have done my partIve checked, Ive disputed, and yet the errors remain.","date_sent_to_company":"2025-02-11T00:30:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"874XX","tags":null,"has_narrative":true,"complaint_id":"12014821","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-11T00:24:12.000Z","state":"NM","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 am beyond frustrated with the repeated <em>errors</em> on my report. No matter how many times I try to address this, I keep finding mistakes that are damaging my score and blocking me from financial opportunities. I have done my <em>partIve</em> checked, Ive disputed, and yet the <em>errors</em> remain."]},"sort":[10.409353,"12014821"]},{"_index":"complaint-public-v1","_id":"12350947","_score":9.991377,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/XXXX i was delivered an improper delivery of a billing statement from American Express and noticed billing errors on the statement. I do not believe i was given a fair billing error dispute. The adjusted balance at {$1100.00} is incorrect and the new balance at {$1200.00} is incorrect. The issuer, American Express National Bank did not fulfill their obligation by adding the interest rates of APR for Purchases, in which i purchased using the Card for personal, family and household purposes, So interest charged on the statement is {$0.00}, which is a billing error. Same thing with fees I have returned payment ( billing statement ) back to American Express National Bank and did not adjust the fees onto the Account. The Fees on the statements is {$0.00}, So interest charged and fees are COMPUTING ERRORS according to the Fair Credit Billing Act. I am indirectly involved into the Account and if American Express National Bank do not fulfill their obligation and then i am affected and held liable. According to the Fair Credit Billing Act this is a billing error. My name is attached to Part 1 of the Cardmember of the Agreement not Part 2. No where in Part 2 of the Cardmember of the Agreement does it say \" I XXXX XXXX promise to pay ''. The issuer is identified on part 2 of the cardmember of the Agreement, not me. I have fulfilled my obligation by using the Card i had applied for. The agreement says American Express National Bank promises to pay all charges. My intention is to operate in good faith and for the Account to be credited. Attached to this is Part 1 and Part 2 of cardmember agreement, Fair Credit Billing Act, My dispute letter, and the response from American Express, billing statement.","date_sent_to_company":"2025-03-06T04:09:07.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"20707","tags":null,"has_narrative":true,"complaint_id":"12350947","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-03-06T03:18:09.000Z","state":"MD","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["The Fees on the statements is {$0.00}, So interest charged and fees are COMPUTING <em>ERRORS</em> according to the Fair Credit Billing Act. I am indirectly involved into the Account and if American Express National Bank do not fulfill their obligation and then i am affected and held liable. According to the Fair Credit Billing Act this is a billing <em>error</em>. My name is attached to <em>Part</em> 1 of the Cardmember of the Agreement not <em>Part</em> 2."]},"sort":[9.991377,"12350947"]},{"_index":"complaint-public-v1","_id":"1457276","_score":9.985849,"_source":{"product":"Credit reporting","complaint_what_happened":"I cosigned for student loans for my niece ; due to operational and systemic errors on the lenders part ( XXXX ), several months of student loans were not debited from my nieces account ; in addition, due to operational and systemic errors on XXXX 's part, I was never contacted or notified regarding any late/missed payments. In addition, other operational and systemic errors on XXXX 's part, include the incorrect recording, by them, of my date of birth, limiting my ability to conduct business with them, as my identify could not be verified. I notified & reported this information to XXXX of the credit reporting agencies ( Trans Union ) for assistance but to no avail.","date_sent_to_company":"2015-07-08T17:46:38.000Z","issue":"Credit reporting company's investigation","sub_product":null,"zip_code":"07110","tags":null,"has_narrative":true,"complaint_id":"1457276","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2015-07-08T17:46:37.000Z","state":"NJ","company_public_response":"Company chooses not to provide a public response","sub_issue":"Problem with statement of dispute"},"highlight":{"complaint_what_happened":["I cosigned for student loans for my niece ; due to operational and systemic <em>errors</em> on the lenders <em>part</em> ( XXXX ), several months of student loans were not debited from my nieces account ; in addition, due to operational and systemic <em>errors</em> on XXXX 's <em>part</em>, I was never contacted or notified regarding any late/missed payments."]},"sort":[9.985849,"1457276"]},{"_index":"complaint-public-v1","_id":"12371686","_score":9.870905,"_source":{"product":"Mortgage","complaint_what_happened":"There was an error on the part of figure that offered and allowed for an additional draw on this account. Post error the company demanded immediate payment and has been reporting that the account has been 150 % over the initial credit limit. This is due to an admittederror on thier part and has been very damaging to my credit report and ability to obtain additional credit and resources. My family is suffering.","date_sent_to_company":"2025-03-07T16:59:20.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Home equity loan or line of credit (HELOC)","zip_code":"92532","tags":null,"has_narrative":true,"complaint_id":"12371686","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Figure Technologies, Inc","date_received":"2025-03-07T16:45:19.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["There was an <em>error</em> on the <em>part</em> of figure that offered and allowed for an additional draw on this account. Post <em>error</em> the company demanded immediate payment and has been reporting that the account has been 150 % over the initial credit limit. This is due to an admittederror on thier <em>part</em> and has been very damaging to my credit report and ability to obtain additional credit and resources. My family is suffering."],"sub_issue":["<em>Their</em> investigation did not fix an <em>error</em> on your report"]},"sort":[9.870905,"12371686"]},{"_index":"complaint-public-v1","_id":"4833583","_score":9.810786,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I registered for a class with XXXX and could not continue so I was advised to drop the course and I did so within the appropriate timeframe. The school did not process my request until a day or two later which caused the drop to pass deadline date. Even though it was an error on their part, they told me I needed to pay {$870.00} for some full tuition and a resource kit even though I never took the class. The charge was for {$870.00} is now in collections. I reached out to them and informed them that it was an error on their part, however no investigation was done and I was stuck with a bad reporting even though I never took this class, I asked to speak to a XXXX or supervisor no one responded. They emailed stating that I need to contact the collection agency and no investigation was ever done. Since it was an error on their part I feel that this is unfair.","date_sent_to_company":"2021-10-21T19:08:11.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"94565","tags":null,"has_narrative":true,"complaint_id":"4833583","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-10-21T19:08:07.000Z","state":"CA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Since it was an <em>error</em> on their <em>part</em> I feel that this is unfair."]},"sort":[9.810786,"4833583"]},{"_index":"complaint-public-v1","_id":"10583039","_score":9.786694,"_source":{"product":"Credit card","complaint_what_happened":"Case number : XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX Amount : {$490.00} Date : XX/XX/XXXX I ordered a XXXX XXXX for a XXXX XXXX XXXX XXXX from XXXX XXXX. The original order was for a part that was labeled to fit this year, make and model vehicle. The website was mislabeled and a merchant error that was noted and updated by the merchant after I received the part and brought it to their attention. I contacted the merchant and they agreed the part number was miscategorized and instructed me to return the product in the original package. The merchant refused to to provide a shipping label and I was disputing the shipping cost internally with management. \n\nI was offered to have them send the correct part for my year, make, and model and the cost was not honored as the price posted on the website. The website listed a cost of {$490.00}. The new part was shipped and installed on my vehicle. \n\nI continued to complain with the merchant that I have the original order and would like a refund. They refused their refund and refused to pay the expense of return shipping even though it was the merchant error. I reluctantly sent the part back with a cost of {$120.00} which was also charged to the XXXX 's credit card on XX/XX/XXXX. XXXX tracking number XXXX. The return was received by XXXX on XX/XX/XXXX. The merchant received the refund and still refused to refund the disputed charge or credit my account for the shipping cost. \n\nAgain, the part was mis-labled by the merchant and did not fit the vehicle as the part description stated. I spoke to several customer service reps at XXXX who agreed the part was not correct, the error was on the merchant side, and they opened a tech ticket to update the website to fix the description. \n\nXXXX failed to perform an Adequate Investigation, failed to contact me the consumer to gather additional information, and clearly resolved the dispute via automation as the facts were not taken into consideration. \n\nTo resolve this complaint, I expect to be credited for the {$490.00} and {$120.00} for shipping","date_sent_to_company":"2024-10-25T14:33:14.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"19709","tags":null,"has_narrative":true,"complaint_id":"10583039","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-10-25T14:07:58.000Z","state":"DE","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["The original order was for a <em>part</em> that was labeled to fit this year, make and model vehicle. The website was mislabeled and a merchant <em>error</em> that was noted and updated by the merchant after I received the <em>part</em> and brought it to their attention. I contacted the merchant and they agreed the <em>part</em> number was miscategorized and instructed me to return the product in the original package."]},"sort":[9.786694,"10583039"]},{"_index":"complaint-public-v1","_id":"15219098","_score":9.699837,"_source":{"product":"Credit card","complaint_what_happened":"I purchased Trunk Lock Actuator Motor online from XXXX XXXX on XX/XX/XXXX for {$180.00}. On XX/XX/XXXX, the part was shipped. I received the part and had the mechanic replace the old part. On XX/XX/XXXX, I sent an email to XXXX XXXX letting them know that the part has a broken piece and it made a loud noise when the truck is opened. A day later the trunk stopped working. I called XXXX XXXX to inform them that the part stopped working and requested another part replacement. They told me they won't replace the part and I have to take my car to a XXXX dealer in my area who should replace the part for free because the part has XXXX warrant. I called XXXX XXXX  XXXX and XXXX XXXX  XXXX who both said that I should pay diagnostic fee of about {$300.00} to check the part. Then, I called XXXX XXXX to let them know that there is a charge of about {$300.00}. I called the dealer on XX/XX/XXXX, XXXX, XXXX, and XXXX to request a refund. On XX/XX/XXXX, XXXX XXXX sent me a return label which I used to return the defective part. On the same day, I ordered the part from XXXX XXXX, Texas. On XX/XX/XXXX I returned the defective part to XXXX XXXX. They received the part but did not credit my card. On XX/XX/XXXX, I called XXXX XXXX and spoke to the manager \" XXXX '' who said I will not credit your card. I filed a dispute with City bank who denied my dispute stating that there was no error in the transaction. There was no error, there was a defective part and it was returned to XXXX XXXX using their return label but refused to credit my card.","date_sent_to_company":"2025-08-11T03:45:00.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"92881","tags":null,"has_narrative":true,"complaint_id":"15219098","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-08-11T03:09:23.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["There was no <em>error</em>, there was a defective <em>part</em> and it was returned to XXXX XXXX using their return label but refused to credit my card."]},"sort":[9.699837,"15219098"]},{"_index":"complaint-public-v1","_id":"9458242","_score":9.666017,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal complaint regarding an issue with my XXXX XXXX XXXX account. On [ date ], I made a payment online, but due to a system error on the bank 's part, the payment was not processed correctly. Despite this being a fault on the part of the bank 's system, I was not notified of the error. As a result, my payment was marked as late, and this late payment has been reported to the credit bureaus, negatively affecting my credit score.","date_sent_to_company":"2024-07-09T10:31:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"832XX","tags":null,"has_narrative":true,"complaint_id":"9458242","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-07-09T10:25:12.000Z","state":"ID","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["On [ date ], I made a payment online, but due to a system <em>error</em> on the bank 's <em>part</em>, the payment was not processed correctly. Despite this being a fault on the <em>part</em> of the bank 's system, I was not notified of the <em>error</em>. As a result, my payment was marked as late, and this late payment has been reported to the credit bureaus, negatively affecting my credit score."]},"sort":[9.666017,"9458242"]},{"_index":"complaint-public-v1","_id":"9458252","_score":9.665358,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal complaint regarding an issue with my XXXX XXXX XXXX account. On [ date ], I made a payment online, but due to a system error on the bank 's part, the payment was not processed correctly. Despite this being a fault on the part of the bank 's system, I was not notified of the error. As a result, my payment was marked as late, and this late payment has been reported to the credit bureaus, negatively affecting my credit score.","date_sent_to_company":"2024-07-09T10:32:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"832XX","tags":null,"has_narrative":true,"complaint_id":"9458252","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-07-09T10:32:02.000Z","state":"ID","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["On [ date ], I made a payment online, but due to a system <em>error</em> on the bank 's <em>part</em>, the payment was not processed correctly. Despite this being a fault on the <em>part</em> of the bank 's system, I was not notified of the <em>error</em>. As a result, my payment was marked as late, and this late payment has been reported to the credit bureaus, negatively affecting my credit score."]},"sort":[9.665358,"9458252"]},{"_index":"complaint-public-v1","_id":"2827608","_score":9.652397,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The credit card company Discover card, will not remove late payment history mark. I setup automatic payments, and they will not admit the error was on their part. I never canceled automatic payments, because I am a service member, and deploy often. I have called and talk with numerous people. However, they will not remove. I was deployed from XX/XX/XXXX - XX/XX/XXXX. They reported a late payment in XXXX and will not remove, due to an error on their part.","date_sent_to_company":"2018-02-27T15:21:12.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20747","tags":"Servicemember","has_narrative":true,"complaint_id":"2827608","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2018-02-27T14:57:54.000Z","state":"MD","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I setup automatic payments, and they will not admit the <em>error</em> was on their <em>part</em>. I never canceled automatic payments, because I am a service member, and deploy often. I have called and talk with numerous people. However, they will not remove. I was deployed from XX/XX/XXXX - XX/XX/XXXX. They reported a late payment in XXXX and will not remove, due to an <em>error</em> on their <em>part</em>."],"sub_issue":["<em>Their</em> investigation did not fix an <em>error</em> on your report"]},"sort":[9.652397,"2827608"]},{"_index":"complaint-public-v1","_id":"8964807","_score":9.628054,"_source":{"product":"Credit card","complaint_what_happened":"Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Credit - ATM Partial Non-Dispense Date Error Reported : XXXX Claim Amount : {$360.00} Dear XXXX XXXX, XXXX completed our investigation of your billing inquiry, and weve determined that no billing error occurred. \n\nAs part of our investigation, a review of our systems was performed in addition to information provided during the claim filing process. As applicable, we coordinate with other financial institutions, merchants, and networks as part of the claim review. \n\nThe disputed amount, {$360.00} will be included in the payment amount due on your next statement as of XXXX. \n\nWe apologize for any inconvenience you may have experienced. If you have any additional questions or need further assistance, feel free to contact us at any time. \n\nSincerely, Chime Disputes Team Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Credit - ATM Partial Non-Dispense Date Error Reported : XXXX Claim Amount : {$360.00} Dear XXXX XXXX, XXXX completed our investigation of your billing inquiry, and weve determined that no billing error occurred. \n\nAs part of our investigation, a review of our systems was performed in addition to information provided during the claim fili Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Credit - ATM Partial Non-Dispense Date Error Reported : XXXX Claim Amount : {$380.00} Dear XXXX XXXX, XXXX completed our investigation of your billing inquiry, and weve determined that no billing error occurred. \n\nAs part of our investigation, a review of our systems was performed in addition to information provided during the claim filing process. As applicable, we coordinate with other financial institutions, merchants, and networks as part of the claim review. \n\nThe disputed amount, {$380.00} will be included in the payment amount due on your next statement as of XXXX. \n\nWe apologize for any inconvenience you may have experienced. If you have any additional questions or need further assistance, feel free to contact us at any time. \n\nSincerely, Chime Disputes Team Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Credit - ATM Partial Non-Dispense Date Error Reported : XXXX Claim Amount : {$5.00} Dear XXXX XXXX, Weve completed our investigation of your billing inquiry, and weve determined that no billing error occurred. \n\nAs part of our investigation, a review of our systems was performed in addition to information provided during the claim filing process. As applicable, we coordinate with other financial institutions, merchants, and networks as part of the claim review. \n\nThe disputed amount, {$5.00} will be included in the payment amount due on your next statement as of XXXX. \n\nWe apologize for any inconvenience you may have experienced. If you have any additional questions or need further assistance, feel free to contact us at any time. \n\nSincerely, Chime Disputes Team","date_sent_to_company":"2024-05-08T22:44:43.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"45240","tags":null,"has_narrative":true,"complaint_id":"8964807","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2024-05-08T22:14:52.000Z","state":"OH","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Credit - ATM Partial Non-Dispense Date <em>Error</em> Reported : XXXX Claim Amount : {$360.00} Dear XXXX XXXX, XXXX completed our investigation of your billing inquiry, and weve determined that no billing <em>error</em> occurred. \n\nAs <em>part</em> of our investigation, a review of our systems was performed in addition to information provided during the claim filing process."]},"sort":[9.628054,"8964807"]},{"_index":"complaint-public-v1","_id":"4608724","_score":9.623262,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I was in deferred until XXXX and the account was fully paid-off in XXXX, so as part of the closi\n\nng process all pending payments should have being cleared as part of it. I recently applied for a mortgage where for my surprise it was reported by Loancare a 150 days past due after the account was closed and money disbursed. The purpose of this dispute is to correct this error ASAP as I am trying to purchase another home this error is inferring with your ability to do so.","date_sent_to_company":"2021-08-06T18:58:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33414","tags":null,"has_narrative":true,"complaint_id":"4608724","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LoanCare, LLC","date_received":"2021-08-06T18:40:18.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I was in deferred until XXXX and the account was fully paid-off in XXXX, so as <em>part</em> of the closi\n\nng process all pending payments should have being cleared as <em>part</em> of it. I recently applied for a mortgage where for my surprise it was reported by Loancare a 150 days past due after the account was closed and money disbursed. The purpose of this dispute is to correct this <em>error</em> ASAP as I am trying to purchase another home this <em>error</em> is inferring with your ability to do so."]},"sort":[9.623262,"4608724"]},{"_index":"complaint-public-v1","_id":"4608720","_score":9.622582,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I was in deferred until XXXX and the account was fully paid-off in XXXX, so as part of the closing process all pending payments should have being cleared as part of it. \n\nI recently applied for a mortgage where for my surprise it was reported by XXXX a 150 days past due after the account was closed and money disbursed. \n\nThe purpose of this dispute is to correct this error ASAP as I am trying to purchase another home this error is inferring with your ability to do so.","date_sent_to_company":"2021-08-06T18:58:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33414","tags":null,"has_narrative":true,"complaint_id":"4608720","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-08-06T18:58:52.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I was in deferred until XXXX and the account was fully paid-off in XXXX, so as <em>part</em> of the closing process all pending payments should have being cleared as <em>part</em> of it. \n\nI recently applied for a mortgage where for my surprise it was reported by XXXX a 150 days past due after the account was closed and money disbursed. \n\nThe purpose of this dispute is to correct this <em>error</em> ASAP as I am trying to purchase another home this <em>error</em> is inferring with your ability to do so."]},"sort":[9.622582,"4608720"]},{"_index":"complaint-public-v1","_id":"4500339","_score":9.622582,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"LexisNexis removed a bankruptcy on my file, it was a error, but yet they didn't remove this same bankruptcy account from another LexisNexis report, they refuse to tell me it was a two part to investigate, they told me this bankruptcy was removed # XXXX from my file and they will update this information with all credit bureaus, XXXX refuse to remove it because LexisNexis didn't inform them to remove this bankruptcy error from the 2nd part","date_sent_to_company":"2021-06-29T15:20:35.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"45241","tags":null,"has_narrative":true,"complaint_id":"4500339","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2021-06-29T15:13:11.000Z","state":"OH","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["LexisNexis removed a bankruptcy on my file, it was a <em>error</em>, but yet they didn't remove this same bankruptcy account from another LexisNexis report, they refuse to tell me it was a two <em>part</em> to investigate, they told me this bankruptcy was removed # XXXX from my file and they will update this information with all credit bureaus, XXXX refuse to remove it because LexisNexis didn't inform them to remove this bankruptcy <em>error</em> from the 2nd <em>part</em>"]},"sort":[9.622582,"4500339"]},{"_index":"complaint-public-v1","_id":"4608722","_score":9.618879,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I was in deferred until XXXX and the account was fully paid-off in XXXX, so as part of the closing process all pending payments should have being cleared as part of it. \n\nI recently applied for a mortgage where for my surprise it was reported by XXXX a 150 days past due after the account was closed and money disbursed. \n\nThe purpose of this dispute is to correct this error ASAP as I am trying to purchase another home this error is inferring with your ability to do so.","date_sent_to_company":"2021-08-06T18:58:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33414","tags":null,"has_narrative":true,"complaint_id":"4608722","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-08-06T18:58:52.000Z","state":"FL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I was in deferred until XXXX and the account was fully paid-off in XXXX, so as <em>part</em> of the closing process all pending payments should have being cleared as <em>part</em> of it. \n\nI recently applied for a mortgage where for my surprise it was reported by XXXX a 150 days past due after the account was closed and money disbursed. \n\nThe purpose of this dispute is to correct this <em>error</em> ASAP as I am trying to purchase another home this <em>error</em> is inferring with your ability to do so."]},"sort":[9.618879,"4608722"]},{"_index":"complaint-public-v1","_id":"10965595","_score":9.616408,"_source":{"product":"Credit card","complaint_what_happened":"Bank of America violated the federal TIL with incorrectly handling of a billing error. \n\nAccording to the Truth in Lending, Regulation Z ( 1026.13 ) the section about Billing error resolution, Bank of America is penalizing me for their mistake. \n\nPart a-4 mentions that an error includes \" the creditor 's failure to credit properly a payment or other credit issued to the consumer 's account. '' Bank of America did this because I have had automatic payments set up since I created the account, and one month they did not apply the payment due to an error in their system Part c mentions that the bank needs to resolve this within 2 billing cycles, which they did not. I had to manually call in and apply a payment.\n\nPart d and g mentions that negative credit reporting related to this is not allowed : \" The creditor shall not make an adverse report that an amount or account is delinquent... '' which Bank of America also failed at. They have reported this error to the credit agencies and negatively impacted my score which results in increased lending costs and fees to me.\n\nThey have also no reversed the charges related to their claimed late payment that was due to a fault within their automatic payment system.","date_sent_to_company":"2024-11-28T01:20:03.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"80207","tags":null,"has_narrative":true,"complaint_id":"10965595","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-11-28T01:09:25.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["<em>Part</em> a-4 mentions that an <em>error</em> includes \" the creditor 's failure to credit properly a payment or other credit issued to the consumer 's account. '' Bank of America did this because I have had automatic payments set up since I created the account, and one month they did not apply the payment due to an <em>error</em> in their system <em>Part</em> c mentions that the bank needs to resolve this within 2 billing cycles, which they did not. I had to manually call in and apply a payment."]},"sort":[9.616408,"10965595"]},{"_index":"complaint-public-v1","_id":"4608721","_score":9.609851,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I was in deferred until XXXX and the account was fully paid-off in XXXX, so as part of the closing process all pending payments should have being cleared as part of it. \n\nI recently applied for a mortgage where for my surprise it was reported by XXXX a 150 days past due after the account was closed and money disbursed. \n\nThe purpose of this dispute is to correct this error ASAP as I am trying to purchase another home this error is inferring with your ability to do so.","date_sent_to_company":"2021-08-06T18:58:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33414","tags":null,"has_narrative":true,"complaint_id":"4608721","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-08-06T18:58:52.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I was in deferred until XXXX and the account was fully paid-off in XXXX, so as <em>part</em> of the closing process all pending payments should have being cleared as <em>part</em> of it. \n\nI recently applied for a mortgage where for my surprise it was reported by XXXX a 150 days past due after the account was closed and money disbursed. \n\nThe purpose of this dispute is to correct this <em>error</em> ASAP as I am trying to purchase another home this <em>error</em> is inferring with your ability to do so."]},"sort":[9.609851,"4608721"]},{"_index":"complaint-public-v1","_id":"3504520","_score":9.609851,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In XX/XX/2019 my mortgage was reported late. I phone in on XX/XX/2019 to pay my mortgage. The bank stated when trying to get the money out of the account. They had the wrong acccount number. I showed proof that the money was in the account at the time. It was a error on the teller part. They keyed the wrong information. Because of a error on their part my credit scores dropped.I have disputed they wrong reporting. I contacted the bank 3 times. No changed in the reporting.","date_sent_to_company":"2020-01-22T06:35:01.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"701XX","tags":null,"has_narrative":true,"complaint_id":"3504520","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Flagstar Bank, N.A.","date_received":"2020-01-22T01:21:35.000Z","state":"LA","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":["It was a <em>error</em> on the teller <em>part</em>. They keyed the wrong information. Because of a <em>error</em> on their <em>part</em> my credit scores dropped.I have disputed they wrong reporting. I contacted the bank 3 times. No changed in the reporting."],"sub_issue":["<em>Their</em> investigation did not fix an <em>error</em> on your report"]},"sort":[9.609851,"3504520"]},{"_index":"complaint-public-v1","_id":"2827640","_score":9.609851,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The credit card company XXXX XXXX, will not remove late payment history mark. I setup automatic payments, and they will not admit the error was on their part. I never canceled automatic payments, because I am a XXXX XXXX, and XXXX often. I have called and talk with numerous people. However, they will not remove. I was XXXX from XX/XX/XXXX - XX/XX/XXXX. They reported a late payment in XX/XX/XXXX and will not remove, due to an error on their part.","date_sent_to_company":"2018-02-27T15:21:21.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20747","tags":"Servicemember","has_narrative":true,"complaint_id":"2827640","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-02-27T15:21:17.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I setup automatic payments, and they will not admit the <em>error</em> was on their <em>part</em>. I never canceled automatic payments, because I am a XXXX XXXX, and XXXX often. I have called and talk with numerous people. However, they will not remove. I was XXXX from XX/XX/XXXX - XX/XX/XXXX. They reported a late payment in XX/XX/XXXX and will not remove, due to an <em>error</em> on their <em>part</em>."],"sub_issue":["<em>Their</em> investigation did not fix an <em>error</em> on your report"]},"sort":[9.609851,"2827640"]},{"_index":"complaint-public-v1","_id":"2826995","_score":9.609851,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The credit card company XXXX XXXX, will not remove late payment history mark. I setup automatic payments, and they will not admit the error was on their part. I never canceled automatic payments, because I am a XXXX XXXX, and XXXX often. I have called and talk with numerous people. However, they will not remove. I was XXXX from XX/XX/XXXX - XX/XX/XXXX. They reported a late payment in XX/XX/XXXX and will not remove, due to an error on their part.","date_sent_to_company":"2018-02-27T15:21:21.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20747","tags":"Servicemember","has_narrative":true,"complaint_id":"2826995","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-02-27T15:21:17.000Z","state":"MD","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I setup automatic payments, and they will not admit the <em>error</em> was on their <em>part</em>. I never canceled automatic payments, because I am a XXXX XXXX, and XXXX often. I have called and talk with numerous people. However, they will not remove. I was XXXX from XX/XX/XXXX - XX/XX/XXXX. They reported a late payment in XX/XX/XXXX and will not remove, due to an <em>error</em> on their <em>part</em>."],"sub_issue":["<em>Their</em> investigation did not fix an <em>error</em> on your report"]},"sort":[9.609851,"2826995"]},{"_index":"complaint-public-v1","_id":"2385247","_score":9.55536,"_source":{"product":"Bank account or service","complaint_what_happened":"Wells Fargo Bill Payment system has problem causing double payments. I called the bank and explained how their system to edit a recurring payment. Instead of sending out a edited amount, the system sends two payments. I have called the bank and they refuse to accept responsibility and return the extra payments. this has happened two months in a row wit two different edited payments. Below is the response I received from Wells Fargo 's Bill payment department. \n\nHere is their response \" As part of our claims process, we are required to determine if there was any error on our part in the processing of this payment. Based on the information provided in your claim, our research has confirmed that this payment was processed with no error on our part ''.","date_sent_to_company":"2017-03-14T00:13:43.000Z","issue":"Making/receiving payments, sending money","sub_product":"Checking account","zip_code":"28054","tags":null,"has_narrative":true,"complaint_id":"2385247","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2017-03-14T00:13:42.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Here is their response \" As <em>part</em> of our claims process, we are required to determine if there was any <em>error</em> on our <em>part</em> in the processing of this payment. Based on the information provided in your claim, our research has confirmed that this payment was processed with no <em>error</em> on our <em>part</em> ''."]},"sort":[9.55536,"2385247"]},{"_index":"complaint-public-v1","_id":"14648032","_score":9.506617,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I called ChexSystems because I was unable to dispute an error online, and they advised me to file a fraudulent police report instead of reinvestigating the error on my consumer report via a clerical error on XXXXXXXX XXXX XXXXXXXX XXXX part.","date_sent_to_company":"2025-07-14T16:49:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"55116","tags":null,"has_narrative":true,"complaint_id":"14648032","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Fidelity National Information Services, Inc. (FNIS)","date_received":"2025-07-14T16:41:44.000Z","state":"MN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["I called ChexSystems because I was unable to dispute an <em>error</em> online, and they advised me to file a fraudulent police report instead of reinvestigating the <em>error</em> on my consumer report via a clerical <em>error</em> on XXXXXXXX XXXX XXXXXXXX XXXX <em>part</em>."]},"sort":[9.506617,"14648032"]},{"_index":"complaint-public-v1","_id":"8825324","_score":9.500906,"_source":{"product":"Credit card","complaint_what_happened":"My business entered into an advertising agreement with a marketing company, XXXX XXXX to help drive sales in a particularly slow part of the year, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. My company agreed to pay {$500.00} installments, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for a total spend of {$2000.00}. I was told the campaign would start XXXX week of XX/XX/XXXX. The advertising agreement consisted of XXXX parts, all equal in value to my company. XXXX part was an early XXXX meet and greet with a XXXX XXXX company and the top performers and owner. XXXX part was the distribution to all of the Realtors of their new company magazine. XXXX part was our ad being in the company magazine. XXXX part was a link being prominent on the XXXX XXXX 's Homepage to an electronic version of the magazine. None of the XXXX part agreement was delivered until after I requested a refund in early XX/XX/XXXX. I then disputed the charges with Chase XXXX Credit Card services. My dispute was that the services were not delivered as agreed. Chase denied the dispute saying there was no 'billing error ' found!? We asked to re-open the dispute. We pointed out that the information that XXXX XXXX supplied proved that they delivered on XX/XX/XXXX the magazine with our ad in it, nearly XXXX  months after the promised kick-off date. They didn't supply any material proving they fulfilled the other XXXX parts of the agreement, only that the magazine showed up XXXX XXXX months after the agreement. \n\nWe supplied email correspondence proving the initial promised date. Chase XXXX Credit Card XXXX took 1 day to drop the disputes again stating that there was no billing error found. My dispute was not of a billing error. My dispute is that the services promised in our agreement were not delivered and/or delivered way too late. \n\nBottom line Chase Credit Card Services has denied the disputes stating there is no evidence of a 'Billing Error '. My dispute is not a Billing Error! My dispute is that what I paid {$2000.00} for was not delivered and I want my money back. There was no evidence that the services were supplied, except a copy of a mailing dated XX/XX/XXXX. XXXX XXXX months after agreement.","date_sent_to_company":"2024-04-22T22:17:58.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"48044","tags":null,"has_narrative":true,"complaint_id":"8825324","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-04-22T20:45:17.000Z","state":"MI","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["XXXX <em>part</em> was an early XXXX meet and greet with a XXXX XXXX company and the top performers and owner. XXXX <em>part</em> was the distribution to all of the Realtors of their new company magazine. XXXX <em>part</em> was our ad being in the company magazine. XXXX <em>part</em> was a link being prominent on the XXXX XXXX 's Homepage to an electronic version of the magazine. None of the XXXX <em>part</em> agreement was delivered until after I requested a refund in early XX/XX/XXXX."]},"sort":[9.500906,"8825324"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":30315,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":30315}]}},"product":{"doc_count":30315,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":11803,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":11748},{"key":"Other personal consumer report","doc_count":55}]}},{"key":"Debt collection","doc_count":6709,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":5818},{"key":"Credit card debt","doc_count":214},{"key":"Other debt","doc_count":212},{"key":"Medical 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