{"took":127,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":5,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11421179","_score":13.8231,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My entire credit report has been hacked and has erroneous negative accounts and must be corrected immediately according to 605B and 15 USC 1681. I have attached a copy of each credit report Credit Scores Print TransUnion XXXX Very Poor Updated XXXX XXXX, 2025 XXXX XXXX Very Poor Updated XXXX XXXX, 2025 XXXX XXXX Very Poor Updated XXXX XXXX, 2025 How are my scores calculated? \nPersonal Information Accounts Summary TransUnion XXXX XXXX Revolving Credit Balance Payment {$12000.00} {$390.00} View Revolving Credit Revolving Credit Balance Payment {$12000.00} {$390.00} View Revolving Credit Revolving Credit Balance Payment {$12000.00} {$390.00} View Revolving Credit Real Estate Balance Payment {$0.00} {$0.00} View Real Estate Real Estate Balance Payment {$0.00} {$0.00} View Real Estate Real Estate Balance Payment {$0.00} {$0.00} View Real Estate Installment Loans Balance Payment {$690.00} {$35.00} View Installment Loans Installment Loans Balance Payment {$690.00} {$35.00} View Installment Loans Installment Loans Balance Payment {$690.00} {$35.00} View Installment Loans Other Accounts Balance Payment {$0.00} {$0.00} View Other Accounts Other Accounts Balance Payment {$0.00} {$0.00} View Other Accounts Other Accounts Balance Payment {$0.00} {$0.00} View Other Accounts Total Balances : {$12000.00} Total Balances : {$12000.00} Total Balances : {$12000.00} Total Payments : {$430.00} Total Payments : {$430.00} Total Payments : {$430.00} Open Accounts Closed Accounts All Accounts Revolving Credit All Payment Statuses Expand All XXXX XXXX. \nAccount # XXXX XXXX Days Late XXXX XXXX Account # XXXX {$30.00} Past Due XXXX XXXX Account # XXXX {$99.00} Past Due XXXX XXXXk Account # XXXX {$30.00} Past Due XXXX Account # XXXX {$30.00} Past Due XXXX home furnish Account # XXXX Current XXXX XXXX XXXX Account # XXXX Current XXXX XXXX XXXX XXXX  Account # XXXX Closed XXXX XXXX XXXX XXXXXXXX Account # XXXX Current XXXX XXXX Account # XXXX Current XXXXXXXX XXXX XXXX  XXXX Account # XXXX Current XXXX Account XXXX XXXX Current XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX Current XXXX Account # XXXX Closed XXXX XXXX XXXX  Account # XXXX****** Closed XXXX XXXX, XXXX Account # XXXX****** Closed XXXX XXXX card ser Account # XXXX Closed Collections Accounts Debts that have been turned over to a third-party collection agency. \nXXXX XXXX XXXX : {$4100.00} Originator Creditor : Not Available XXXX XXXX XXXX XXXX : {$250.00} Originator Creditor : Not Available collectionsIcon XXXX XXXX XXXX Balance : {$83.00} Originator Creditor : Not Available Who's Been Checking Your Credit? \nYour Credit report has recently been checked by a creditor or lender. \nXXXX XXXX : XXXX XXXX XXXX XXXX Date of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX ( XXXX ) XXXX TransUnion XXXX : XXXX of XXXX Date of Inquiry : XXXX XXXX XXXX : XXXX Date of Inquiry : XXXX Contact : XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX TransUnion XXXX : XXXX XXXX Date of Inquiry : XXXX XXXX XXXX : XXXX - XXXX Date of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX ) XXXX TransUnion Inquiry : XXXX XXXX Date of Inquiry : XXXX TransUnion XXXX : XXXX card Date of Inquiry : XXXX TransUnion XXXX : XXXX of XXXX Date of Inquiry : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX Contact : XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, VA XXXX MAIL ONLY XXXX Inquiry : XXXX XXXX XXXX XXXX  Date of Inquiry : XXXX Contact : XXXX XXXX XXXX, XXXX XXXX, NV XXXX ( XXXX XXXX XXXX XXXX Inquiry : ems-vuhl Date of XXXX : XXXX XXXX Inquiry : XXXX Date of Inquiry : XXXX Contact : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Give us a call XXXX Live representatives are available Monday - Friday, XXXX to XXXX XXXX Saturday, XXXX to XXXX XXXX Sunday, XXXX to XXXX CT Using ScoreSense Overview TransUnion Report XXXX Report XXXX Report Credit Insights Alerts My Score Tools Member Benefits Family Safety Identity ScoreSense Blog ScoreTracker Dispute Center Credit Freeze $ XXXX ID Theft Insurance Help Contact Us FAQs Legal Terms & Conditions Privacy Policy About Us Cookies Settings XXXX XXXX sites help keep you safe from identity theft XXXX credit card fraud, spyware, spam, viruses and online scams XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is a trademark of XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX. All rights reserved. \nAdvertiser Disclosure : The credit card and financial services offers that appear on this website are from companies from which we receive compensation. This compensation may impact how and where products appear on this site ( including, for example, the order in which they appear ). This website does not include all financial services companies or all available product offerings. \nXXXX has partnered with XXXX for our coverage of credit card products. XXXX and XXXX may receive a commission for card issuers. \nOpinions, reviews, analyses & recommendations are the author 's alone, and have not been reviewed, endorsed or approved by any of these entities. \n* For complete information, see the terms and conditions on the credit card issuers website. Once you click apply for this card, you will be directed to the issuers website where you may review the terms and conditions of the card before applying. While we always strive to present the most accurate information, we show a summary to help you choose a product, not the full legal terms- and before applying you should understand the full terms of products as stated by the issuer itself. \n** Credit scores are used to represent the creditworthiness of a person and may be","date_sent_to_company":"2025-01-08T05:35:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33417","tags":"Servicemember","has_narrative":true,"complaint_id":"11421179","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-08T05:35:15.000Z","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 status incorrect"},"highlight":{"complaint_what_happened":["<em>Legal</em> <em>Terms</em> & <em>Conditions</em> <em>Privacy</em> Policy <em>About</em> Us Cookies Settings XXXX XXXX sites help keep you safe from identity theft XXXX credit card fraud, spyware, spam, viruses and online scams XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is a trademark of XXXX XXXX XXXX XXXX."]},"sort":[13.8231,"11421179"]},{"_index":"complaint-public-v1","_id":"11421176","_score":13.8231,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My entire credit report has been hacked and has erroneous negative accounts and must be corrected immediately according to 605B and 15 USC 1681. I have attached a copy of each credit report Credit Scores Print XXXX XXXX Very Poor Updated XXXX XXXX, 2025 XXXX XXXX Very Poor Updated XXXX XXXX, 2025 Experian XXXX Very Poor Updated XXXX XXXX, 2025 How are my scores calculated? \nPersonal Information Accounts Summary XXXX XXXX Experian Revolving Credit Balance Payment {$12000.00} {$390.00} View Revolving Credit Revolving Credit Balance Payment {$12000.00} {$390.00} View Revolving Credit Revolving Credit Balance Payment {$12000.00} {$390.00} View Revolving Credit Real Estate Balance Payment {$0.00} {$0.00} View Real Estate Real Estate Balance Payment {$0.00} {$0.00} View Real Estate Real Estate Balance Payment {$0.00} {$0.00} View Real Estate Installment Loans Balance Payment {$690.00} {$35.00} View Installment Loans Installment Loans Balance Payment {$690.00} {$35.00} View Installment Loans Installment Loans Balance Payment {$690.00} {$35.00} View Installment Loans Other Accounts Balance Payment {$0.00} {$0.00} View Other Accounts Other Accounts Balance Payment {$0.00} {$0.00} View Other Accounts Other Accounts Balance Payment {$0.00} {$0.00} View Other Accounts Total Balances : {$12000.00} Total Balances : {$12000.00} Total Balances : {$12000.00} Total Payments : {$430.00} Total Payments : {$430.00} Total Payments : {$430.00} Open Accounts Closed Accounts All Accounts Revolving Credit All Payment Statuses Expand All XXXX XXXX. \nAccount # XXXX XXXX Days Late XXXX XXXX Account # XXXX {$30.00} Past Due XXXX XXXX Account # XXXX {$99.00} Past Due XXXX XXXX Account # XXXX {$30.00} Past Due XXXX Account # XXXX {$30.00} Past Due XXXXXXXX XXXX XXXX Account # XXXX Current XXXXXXXX XXXX XXXX Account # XXXX Current XXXX XXXX XXXX XXXX  Account # XXXX Closed XXXX XXXX XXXX XXXXXXXX Account # XXXX Current XXXX XXXX Account # XXXX Current XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX Current XXXX Account XXXX XXXX Current XXXX Account # XXXX Current XXXX XXXX Account # XXXX Current XXXX Account # XXXX Closed XXXX XXXX XXXX  Account # XXXX****** Closed XXXX XXXX, XXXX Account # XXXX****** Closed XXXX XXXX XXXX XXXX Account # XXXX Closed Collections Accounts Debts that have been turned over to a XXXX-party collection agency. \nXXXX XXXX Balance : {$4100.00} Originator Creditor : Not Available XXXX XXXX XXXX Balance : {$250.00} Originator Creditor : Not Available collectionsIcon XXXX XXXX XXXX Balance : {$83.00} Originator Creditor : Not Available Who's Been Checking Your Credit? \nYour Credit report has recently been checked by a creditor or lender. \nExperian Inquiry : XXXX XXXX XXXX XXXX Date of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX XXXXXXXX Date of Inquiry : XXXX Experian Inquiry : XXXX Date of Inquiry : XXXX Contact : XXXX XXXX XXXX, XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX Date of Inquiry : XXXX XXXX Inquiry : XXXX - XXXX Date of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX ) XXXX XXXX Inquiry : XXXX XXXX Date of Inquiry : XXXX XXXX Inquiry : XXXX XXXX Date of Inquiry : XXXX XXXX XXXX : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Date of Inquiry : XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX MAIL ONLY Experian Inquiry : XXXX XXXX XXXX XXXX  Date of Inquiry : XXXX Contact : XXXX XXXX XXXX, XXXX XXXX, NV XXXX ( XXXX XXXX XXXX XXXX XXXX : ems-vuhl Date of XXXX : XXXX Experian Inquiry : XXXX  Date of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Give us a call XXXX Live representatives are available Monday - Friday, XXXX to XXXX XXXX Saturday, XXXX to XXXX XXXX Sunday, XXXX to XXXX XXXX Using ScoreSense Overview XXXX Report XXXX Report Experian Report Credit Insights Alerts My Score Tools Member Benefits Family Safety Identity ScoreSense Blog ScoreTracker Dispute Center Credit Freeze $ XXXX ID Theft Insurance Help Contact Us FAQs Legal Terms & Conditions Privacy Policy About Us Cookies Settings XXXX Secure sites help keep you safe from identity theft XXXX credit card fraud, spyware, spam, viruses and online scams XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX is a trademark XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX. All rights reserved. \nAdvertiser Disclosure : The credit card and financial services offers that appear on this website are from companies from which we receive compensation. This compensation may impact how and where products appear on this site ( including, for example, the order in which they appear ). This website does not include all financial services companies or all available product offerings. \nXXXX has partnered with XXXX for our coverage of credit card products. XXXX and XXXX may receive a commission for card issuers. \nOpinions, reviews, analyses & recommendations are the author 's alone, and have not been reviewed, endorsed or approved by any of these entities. \n* For complete information, see the terms and conditions on the credit card issuers website. Once you click apply for this card, you will be directed to the issuers website where you may review the terms and conditions of the card before applying. While we always strive to present the most accurate information, we show a summary to help you choose a product, not the full legal terms- and before applying you should understand the full terms of products as stated by the issuer itself.\n\n** Credit scores are used to represent the creditworthiness of a person and may be","date_sent_to_company":"2025-01-08T05:35:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33417","tags":"Servicemember","has_narrative":true,"complaint_id":"11421176","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-08T05:35:15.000Z","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 status incorrect"},"highlight":{"complaint_what_happened":["<em>Legal</em> <em>Terms</em> & <em>Conditions</em> <em>Privacy</em> Policy <em>About</em> Us Cookies Settings XXXX Secure sites help keep you safe from identity theft XXXX credit card fraud, spyware, spam, viruses and online scams XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX is a trademark XXXX XXXX XXXX XXXX XXXX."]},"sort":[13.8231,"11421176"]},{"_index":"complaint-public-v1","_id":"13623590","_score":9.423094,"_source":{"product":"Credit card","complaint_what_happened":"Allow me to share my correspondence that addresses all : Dear CEO of SoFi, I hope this email finds you well. My name is XXXX XXXX XXXX, and I am writing to express my concern and surprise regarding the sudden restrictions on my SoFi accounts and the closure of my credit card. As a valued client of SoFi, I have always been impressed by the company 's commitment to providing excellent financial services and support to its customers.\n\nAs an ambassador of SoFi in social media and events, I have consistently promoted the company 's products and services, highlighting their benefits and features to my network. I have been proud to represent SoFi and have always been satisfied with the level of service provided. \n\nHowever, without any prior notice or explanation, I was shocked to discover that my accounts had been restricted, and my credit card had been closed. Despite my efforts to understand the reason behind this decision, I have not received any clarification or communication from SoFi. I have allowed some time to pass, hoping that the issue would be resolved, but unfortunately, I have not seen any progress.\n\nI am reaching out to you today, hoping that you can provide insight into this matter and assist in resolving the issue. I would greatly appreciate it if you could look into reactivating my accounts and credit card, allowing me to continue utilizing SoFi 's services and representing the company as an ambassador.\n\nI understand that mistakes can happen, and I am confident that SoFi values its clients and strives to provide excellent service. I look forward to hearing from you soon and finding a resolution to this matter. \n\nThank you for your time and attention to this matter. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - SoFi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, I hope this email finds you well. My name is XXXX, the Account Manager with SoFi you spoke with today. I'm writing to you as promised to provide a direct line of communication and to confirm a few important points. \n\n\n\nFirst, I will be following up with you once there's further information provided to me from our Member Security Team. Additionally, I've submitted the formal complaint on your behalf. Following this email, you will receive a confirmation that we have documented your complaint, and you should expect to hear from a Resolution Specialist within 24 to 48 business hours for further assistance. \n\n\n\nThank you for your understanding and patience. In the meantime, if you require additional assistance or have any further questions or concerns, please feel free to reply to this email or give us a call at XXXX ( XXXX ) XXXX. \n\n\n\nKind regards, XXXX A Member Service Delivery Account Manager SoFi Bank, N.A./SoFi Securities LLC XXXX XXXX Hours : XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Office of the CEO Hours : MonThurs, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS PROSPECTIVELY BASED ON MARKET CONDITIONS AND BORROWER ELIGIBILITY. To qualify for lending products, a borrower must be a U.S. citizen or other eligible status and meet SoFi 's underwriting requirements ; see SoFi.com/eligibility for details.\n\nNotice : SoFi 's Refinance Loan is a private loan. Understand that when you refinance federal loans, you forfeit all federal repayment options that are or may become available to federal student loan borrowers. If you expect to incur financial hardship that would affect your ability to repay, you should consider federal consolidation loan options. \n\nPlease borrow responsibly. \n\nSoFi Private Student Loans are not a substitute for federal loans, grants, and work-study programs. We encourage you to evaluate all your federal student aid options before you consider any private loans, including ours. Read our FAQs.\n\nSoFi Private Student Loans are subject to program terms and restrictions and applicants must meet SoFi 's eligibility and underwriting requirements. See SoFi.com/eligibility for more information. View payment examples. ( Undergrad/Grad/Parent ). SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change. SoFi Personal Loans can be used for any lawful personal, family, or household purposes and may not be used for post-secondary education expenses. Minimum loan amount is {$5000.00}. SoFi 's Relay tool offers users the ability to connect both in-house accounts and external accounts using XXXX, XXXX XXXX  XXXX. The credit score provided to you is a XXXX based on XXXX ( the \" Processing Agent '' ) data. \n\nSoFi Personal Loans, Private Student Loans, and Student Loan Refinance loans are originated by SoFi Bank, N.A., Member FDIC. NMLS # XXXX ( Consumer Access - Browser Warning ). For additional product-specific legal and licensing information, see SoFi.com/legal.\n\nSoFi Bank, N.A. values your privacy and the security of your personal information, so please do not include your Social Security number in any email or letter that you send to us. \n\nSoFi Bank, N.A. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unsubscribe | Privacy Policy | Licenses XXXX SoFi Bank, N.A. Member FDIC. Equal Housing Lender. All rights reserved. \n\n\n\n\nXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX. ( XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX, Thank you for your email and for taking the time to speak with me today. I appreciate your commitment to following up on my case and providing a direct line of communication. \n\nI understand that you're working through the proper channels to resolve my issue and that you've submitted a formal complaint on my behalf. I appreciate your efforts and look forward to a fair and efficient resolution. \n\nRegarding the resolution, my primary goal is to regain access to my accounts and reactivate my credit card. I'd like to request that, if possible, the credit card reactivation be processed without a hard pull on my credit score, as I have an exceptional credit history and have always paid my credit cards in full and on time. My credit score is a testament to my financial responsibility. \n\nAdditionally, I'd like to continue working with the SoFi Ambassador Program, as I value the opportunity to represent the company and promote its products and services. See here : XXXX XXXX XXXX Thank you for your understanding, and I look forward to a favorable resolution. If you need any further documentation or information from me, please don't hesitate to let me know. \n\nThank you again for your time and assistance. \n\nBest regards, XXXX XXXX XXXX XXXX XXXX  - SoFi XXXX XXXX XXXX, XXXX. ( XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, I hope this email finds you well. Thank you so much for your response and for sharing your experience and feedback with me. \n\n\n\nAs previously mentioned, once an account is closed, it can not be reopened directly. However, we're committed to addressing your concerns and will thoroughly review the matter to explore any possible resolutions that can meet your satisfaction. Your requests and feedback are incredibly important to us, and we are dedicated to always prioritizing the interests of our members. I will reach out to you promptly with any updates. \n\n\n\nThank you very much for your understanding and patience. In the meantime, if you require any additional assistance or have further questions or concerns, please feel free to reply to this email or call us at XXXX ( XXXX ) XXXX. \n\n\n\nXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Thanks a lot for all you do. I look forward to hearing from you soon about any possible resolution. \n\nBest, FYI Begin forwarded message : From : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX at XXXX XXXX XXXX To : XXXX Subject : Closed profile XXXX Reply-To : XXXX Dear XXXX, Thank you for bringing your concerns to our attention regarding your account closure. \n\n\n\nDue to the behavior identified to be in violation of the SoFi Bank Deposit Account Agreement, your account ending in XXXX was closed on XX/XX/XXXX. \n\n\n\nWe appreciate the opportunity to have served you. \n\n\n\nKind Regards, XXXX XXXX XXXX XXXX XXXX. \nMy Office Hours : Mon & Thurs, XXXX Tues, Wed & Sun Off Fri XXXX Sat, XXXX XXXX Direct Line XXXX Customer Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS PROSPECTIVELY BASED ON MARKET CONDITIONS AND BORROWER ELIGIBILITY. To qualify for lending products, a borrower must be a U.S. citizen or other eligible status and meet SoFi 's underwriting requirements ; see SoFi.com/eligibility for details.\n\nNotice : SoFi 's Refinance Loan is a private loan. Understand that when you refinance federal loans, you forfeit all federal repayment options that are or may become available to federal student loan borrowers. If you expect to incur financial hardship that would affect your ability to repay, you should consider federal consolidation loan options. \n\nPlease borrow responsibly. \n\nSoFi Private Student Loans are not a substitute for federal loans, grants, and work-study programs. We encourage you to evaluate all your federal student aid options before you consider any private loans, including ours. Read our FAQs.\n\nSoFi Private Student Loans are subject to program terms and restrictions and applicants must meet SoFi 's eligibility and underwriting requirements. See SoFi.com/eligibility for more information. View payment examples. ( Undergrad/Grad/Parent ). SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change. SoFi Personal Loans can be used for any lawful personal, family, or household purposes and may not be used for post-secondary education expenses. Minimum loan amount is {$5000.00}. SoFi 's Relay tool offers users the ability to connect both in-house accounts and external accounts using XXXX, XXXXXXXX XXXX XXXXXXXX. The credit score provided to you is a XXXX based on XXXX ( the \" Processing Agent '' ) data. \n\nSoFi Personal Loans, Private Student Loans, and Student Loan Refinance loans are originated by SoFi Bank, N.A., Member FDIC. NMLS # XXXX ( Consumer Access - Browser Warning ). For additional product-specific legal and licensing information, see SoFi.com/legal.\n\nSoFi Bank, N.A. values your privacy and the security of your personal information, so please do not include your Social Security number in any email or letter that you send to us. \n\nSoFi Bank, XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX Unsubscribe | Privacy Policy | Licenses XXXX SoFi Bank, N.A. Member FDIC. Equal Housing Lender. All rights reserved. \n\n\n\n\nXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX. ( XXXX XXXX XXXX XXXX XXXX XXXX  Dear XXXX, Hope this email finds you well. I am not sure if you got the chance to look at my FYI below but I have to admit that that email did not bring anything new to the table. That update is not different from what I keep being told each time I reach out to customer service without providing any further details. It's so unfortunate to know that Sofi treats its most valued customer so poorly, I even served and provided my social media accounts as an ambassador of your brand. \n\nAgain, thanks for your time and consideration. \n\n\nBest regards, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX. ( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX you are well. I am not sure you saw my emails below. \n\nThank you, XXXX XXXX XXXX XXXX SoFi XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I hope this message finds you well. I attempted to reach you by phone but was unable to connect. I wanted to confirm that I have received your previous emails regarding the response from our Resolution Specialist and your request for a resolution.\n\nThe Resolution Specialist reached out to you in response to the formal complaint I filed on your behalf. Additionally, as promised, I collaborated with our Member Security Team to conduct a thorough review and ensure that no errors were made. I understand that you are seeking to have your previous SoFi accounts reopened without affecting your credit and to continue working with our Inner Circle Ambassador Program.\n\nAfter a comprehensive review by our Member Security Team, it's been confirmed that the closure of your accounts wasn't an error and was due to a violation of the SoFi Bank Deposit Account Agreement. Unfortunately, we're unable to reopen or reactivate these accounts. For SoFi Banking specifically, you wouldn't be able to open another account. However, you are welcome to apply for other SoFi products, although we can not guarantee approval.\n\nRegarding your participation in the SoFi Inner Circle Ambassador Program, one of the eligibility requirements is that participants must be SoFi Members in good standing with their SoFi products. Regrettably, the closure of your accounts due to the violation of our agreement means that you aren't in good standing and are currently not eligible for the program. \n\nI wish we could provide more detailed information about the specific activity that led to the closure, but as previously communicated, for security reasons, we're unable to do so. I hope you can understand the importance of maintaining the security and integrity of our systems and processes. \n\n\n\nI fully understand that this resolution is not what you anticipated, and I'm truly sorry that we were unable to meet your expectations. We genuinely appreciate the opportunity to have been a part of your financial journey and are deeply sorry for the inconvenience this has caused. \n\n\n\nThank you for your patience and understanding. If you need any additional assistance, please dont hesitate to reply to this email or call us at XXXX ( XXXX ) XXXX. Our team is here to support you. Additionally, if you prefer, you can schedule a convenient time for our team to reach out to you directly through this link XXXX XXXX XXXX XXXXXXXX Kind regards, XXXX A Member Service Delivery Account Manager SoFi Bank , N.A./SoFi Securities LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Office of the CEO Hours : MonThurs, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear XXXX : Hope this email finds you well. I have one last request : please proceed with closing my Sofi account/ login information. I kindly request that my profile is deleted. I am still able to login in by using my email XXXX. I tried finding an option or feature for closing my profile but I could not locate it. \n\nThanks in advance for your assistance. \n\nBest, XXXX XXXX XXXX - SoFi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, I hope this email finds you well. I've received your request to deactivate your profile. While we're sorry to see you go, we're committed to respecting your decision to deactivate the profile completely and will proceed with your request promptly. \n\nBefore we deactivate your profile, could you please confirm that you have downloaded any necessary account or tax statements? Once your profile is deactivated, you will no longer have access to these documents. \n\nThank you for your attention to this matter. Once you confirm, I will proceed with deactivating your profile. \n\n\n\nXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX. ( XXXX XXXX XXXX XXXX XXXX XXXX  Thank you. Please proceed with the closure of my profile. \n\n\nXXXX XXXX - SoFi XXXX. ( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, I hope this message finds you well. \n\n\nWe've received your request to deactivate your profile, and we understand that this decision comes after your dissatisfaction with the outcome of our internal review. We sincerely appreciate you sharing your experience and providing valuable feedback. The opportunity to have been a part of your financial journey has been meaningful to us, and we respect your decision. \n\n\n\nI'm pleased to inform you that your profile has now been successfully deactivated and we no longer have access to your credentials If you require any additional assistance or have further questions or concerns, please do not hesitate to contact us at XXXX ( XXXX ) XXXX. We're here to support you in any way we can. \n\n\n\nThank you for your understanding and cooperation. We wish you all the best in your future financial endeavors.","date_sent_to_company":"2025-05-20T14:51:48.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"20010","tags":null,"has_narrative":true,"complaint_id":"13623590","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SOFI TECHNOLOGIES, INC.","date_received":"2025-05-20T14:38:57.000Z","state":"DC","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["For additional product-specific <em>legal</em> and licensing information, see SoFi.com/<em>legal</em>.\n\nSoFi Bank, N.A. values your <em>privacy</em> and the security of your personal information, so please do not include your Social Security number in any email or letter that you send to us. \n\nSoFi Bank, N.A. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unsubscribe | <em>Privacy</em> Policy | Licenses XXXX SoFi Bank, N.A. Member FDIC. Equal Housing Lender. All rights reserved."],"issue":["Other features, <em>terms</em>, or problems"]},"sort":[9.423094,"13623590"]},{"_index":"complaint-public-v1","_id":"5668744","_score":5.424523,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I opened an account with TD XXXX  Card Services via XXXX XXXX on XX/XX/XXXX to finance a phone. I never received any information on this account. I still have no documentation or the physical card, despite telling multiple customer service representatives this. I moved at the end of XXXX, but I also had mail forwarding and the mail notification system on, so even if it was sent late, it wasnt sent. On XX/XX/XXXX, I got a notification that my credit had a late payment reported. I went and looked because that was very strange, as I am pretty neurotic about paying bills. I saw it belonged to TD XXXX  Card Services. I called the customer service line, as I had no way to access the account to pay - I didnt even have the account number. ( I still have not received any information, paperwork, or cards for this account, beyond my account number. ) I saw late fees had accumulated as well. I went ahead and updated my address verbally with the customer service agent at this time to make sure I got all future correspondence. The representative asked if I would like to make a payment, I let her know I would make a payment when I got paid on XX/XX/XXXX. On XX/XX/XXXX, I made a payment of {$230.00} toward the XXXX statement. On XX/XX/XXXX, I had {$980.00} in my account, which is more than enough to cover the payment. I also never got a notification to my phone from my bank that it was declined, which I receive with every declined purchase. When I looked into the declined charges with my bank, they had no record of the declined payment. I was never notified of this, and I was charged a returned check fee, despite it being a direct pull, not a check. At the end of XXXX, I noticed the declined payment. I thought it was weird for the reasons previously mentioned, but it wasnt worth the hassle, so I waited until I got paid, as XXXX was tighter financially, so I could pay it in full again. On XX/XX/XXXX, I paid {$280.00}. On XX/XX/XXXX, I had {$870.00} in my bank. I went to pay my monthly payment in XXXX, and I saw it had also been declined, according to the invoice provided by TD XXXX Card XXXX, and all of these had been reported to my credit agency. Unfortunately, I never was contacted again. The TD XXXX Card Services phone system that customers can make payments through still says it went through. I contacted TD XXXX  Card Services on XX/XX/XXXX to discuss this, as it was weird that it had happened twice. Finally, on XX/XX/XXXX, a man by the name of XXXX XXXX of XXXX, Florida, who called from XXXX and claimed to be a representative of TD XXXX Card Services. I was very sick that week, so I returned his call on XX/XX/XXXX. During our call, XXXX said he had mailed me a letter since he hadnt heard back - had I seen it? I said I hadnt yet received it. Looking back at my invoice, it is my old address that is on all my invoices, including after speaking to XXXX XXXX and giving my current address. I let XXXX XXXX know my address had been previously updated when I spoke to the last customer service representative, and he said it didnt matter because I had enrolled in virtual billing by the time I spoke with him. However, this still meant that if invoices were sent, they were sent to the wrong address. I let XXXX XXXX know that I work some nights and work a lot, so I hadnt yet been able to call him back until then. To my recollection, he did not notify me that the recording regarding the debt was being recorded, nor that it was an attempt to collect debt. XXXX XXXX said he looked into my claim that the returned check fees were correct and had concluded that it wasnt an error on TD XXXX  Card Services. He wouldnt expand any further or provide documentation. XXXX XXXX said he couldnt help me further. I verified verbally that it wasnt my bank ; he told me that it must be. He said he saw I had been called. I told him I hadnt, but asked for the phone number to verify. XXXX XXXX gave me the phone number and it had been the caller who had been calling me three times a day since XX/XX/XXXX and just stayed silent every time I answered and didnt leave a voicemail. After that phone call, I did more digging and talked to my bank and looked at statements. My bank has no history or documentation of declined payments. The XX/XX/XXXX statement reflects my payment made on XX/XX/XXXX. The XX/XX/XXXX statement was sent to me on XX/XX/XXXX at XXXX PM. There is no mention of the payment bouncing, and the statement 's new balance reflects the payment. This statement is for the billing period of XX/XX/XXXX to XX/XX/XXXX. The next statement, sent to me on XX/XX/XXXX at XXXX pm, shows a returned check fee. I was never notified of this, other than this XX/XX/XXXX statement, which was for the billing period of XX/XX/XXXX to XX/XX/XXXX. At the time of the statement, the payment was already considered late, as the payment was due XX/XX/XXXX. XXXX XXXX claimed that this counted as notification of the bounced payment, despite it being too late to fix anything at that point. I asked him what I could do to dispute further or who I could talk to that was higher than him. XXXX XXXX said I had done all I could and that there was no one higher than him. Despite XXXX XXXX claiming he spoke with my bank, XXXX XXXX, and confirmed the declined transactions, XXXX XXXX  has confirmed no one can see declined transactions past 24 days prior. This means XXXX XXXX could not have discussed confirmed the declined transactions with my bank, XXXX XXXX, like he claimed to me and in my file, as it was not possible. To review, my first claim was acknowledged as received and being worked on on XX/XX/XXXX at XXXX XXXX. 24 days prior to this date was XX/XX/XXXX. XXXX XXXX did not contact me until XX/XX/XXXX at XXXX XXXX. So even if XXXX XXXX contacted my bank that day, XX/XX/XXXX, he couldnt have discussed either the bounced amount from XX/XX/XXXX or XX/XX/XXXX. I also confirmed with XXXX XXXX  that they keep documentation of contact from credit card companies regarding clients, and they have none from TD Bank, TD XXXX  Card Services, or XXXX XXXX himself. XXXX XXXX  also verified they would need my permission to discuss my account with any outside party, which includes, but XXXX XXXX to, XXXX XXXX and TD XXXX Card Services. I would like to note that XXXX XXXX verified to me verbally that he did, in fact, discuss this with my bank. This was confirmed to be in my TD XXXX  Card Services account by a separate customer service representative. TD XXXX Card Services has also violated the Fair Debt Collection Practices Act by harassing me via phone call. They have called me XXXX times a day almost every day since XX/XX/XXXX from the number XXXX. XXXX XXXX, a TD XXXX Card Services representative, confirmed this was TD XXXX  Card Services calling. However, every time I answered, no one would speak, and when I missed the calls, they wouldnt leave a voicemail. I work some night shifts, which I did share with XXXX XXXX, and this has disrupted my sleep. This has also disrupted my work day. As of today, XX/XX/XXXX, I have been called by this number XXXX times since XX/XX/XXXX. The calls started as usually two calls per day, sometimes one, then grew to be consistently three times a day. I have received no voicemails from this number. TD XXXX Card Services has also sent invoices, per them, to the wrong address at least once, as my address was never updated on my invoices. Every invoice to date has the incorrect address on it. I have also made written requests for validation of all these charges, and they are continuing to contact me, while also not providing me with validation other than XXXX XXXX word. XXXX XXXX refused to provide documentation and just kept telling me he looked into it. On XX/XX/XXXX, I gracefully offered arbitration instead of going directly to suing, as I had already consulted with an attorney and they recommended starting with an attempt at arbitration, then pursuing further legal action if it was declined. At this point, I am willing to make a deal, which will be required to be in writing and my legal team will review before I sign it. I will pay what I owe, which is {$740.00}, in full by XX/XX/XXXX. I will also pay an additional {$100.00} out of good faith, for a total of {$840.00}. You will remove the late payments from my credit. I will forfeit ability to open an account with you again. How this will benefit you is I will not post on social media about this period I can sign a NDA if you would like. I also will not pursue legal action. You all will receive the {$740.00} I truly owe and the {$100.00} and will not have to deal with me again, nor will have to deal with a lawsuit ( possible class action ) or the reaction on social media. I will not make any more reports to any agency, including but not limited to the FTC or consumer financial protection bureau. This will benefit me as the false report to my credit will go away, I will not have to take the time off from work to pursue legal action, including but not limited to your clerical errors or violations of the Fair Debt Collection Practices Act, and the harassment will stop. However, my attempts at arbitration were avoided by TD XXXX Card Services employee, XXXX XXXX, who refused to discuss this with me and chose to call me at a time he knew I would be unavailable on XX/XX/XXXX at XXXX XXXX, then closed the case on XX/XX/XXXX, per the customer service representative I spoke to on XX/XX/XXXX, and wouldnt answer his phone. His voicemail was full as well. He waited eight days prior to closing with only one attempt at connection ( without telling me via voicemail he would do so ), knowing I wasnt available to return his call, as it was explicitly stated that it was not my best mode of communication due to my work hours, but I would call him back. I did see on my statement I could call TD XXXX Card Services to figure out a mutually beneficial agreement because this has been very stressful. XXXX XXXX would not answer his phone and his voicemail is full. I tried calling another representative, XXXX, but it was just a bunch of transferring that led no whe prior to speaking with me on XX/XX/XXXX, even though I notified XXXX XXXX that I would call him back when I could and a better way to contact me was via email due to my work schedule ( emergency medicine ) not permitting me time to do so until today, XX/XX/XXXX. XXXX had called on XX/XX/XXXX. XXXX also was called by another customer service agent I spoke to on XX/XX/XXXX named XXXX, and she was unable to reach him as well. XXXX directed me to the TD XXXX Card Services line and assured me someone there would be able to help me. I was forwarded to another Customer Care Line, where the representative continued to say XXXX looked into it and he couldnt help me further, per my record. He also said that the only way to get late payments off credit reports is to dispute the late payment at each credit bureau, and that TD XXXX Card Services is unable to remove any late payment charges. Not unwilling - unable. This was something that XXXX XXXX had also said during our first conversation. Per the law, this is untrue and was deceptive in nature. This conversation was recorded by TD Bank, as well as myself. Additionally, despite myself telling TD XXXX Card Services that I had spoken to legal aid, they made no attempt to get any information for the legal aid and continued to communicate with me. Until the XX/XX/XXXX statement, my credit limit had been {$2200.00}. In the XX/XX/XXXX statement, it appears TD XXXX  Card Services lowered my credit limit to {$620.00}, which is lower than the initial financing amount, even without the incorrect late charges and returned check fees. Unfortunately, it appears I did have the money in my account, and per the XXXX, I see I am not the only one with this issue. Regardless, I did offer arbitration prior to suing and reporting. I thought it was fair for both sides, and saves us both a lot of time and money. However, all attempts to communicate and arbitrate have been avoided by XXXX XXXX, a representative of TD XXXX Card Services. \n-- -- -- Update from XX/XX/XXXX I now have received a letter from XXXX XXXX, a \" Customer Experience Advocate '' who, like XXXX, resides in Florida, via the mail. I have attached it. However, what XXXX did was avoid my phone calls and didn't actually make true attempts to contact me. She also did not address what is in this complaint, and made false statements. I actually returned her call. On XX/XX/XXXX, XXXX called me from a blocked number, so all I saw was \" Private Number ''. I received this phone call at XXXX XXXX  that day. I will attach proof of this as well via phone logs and the voicemail recordings. I was never notified that I would be called from a private number and I was also working at that time, and realistically, not many people would answer a call from a private number. I have been very transparent with my work schedule. I returned XXXX 's call at the number she provided ( XXXX ) on XX/XX/XXXX. I called twice, once at XXXX XXXX  and again at XXXX pm, as XXXX told me she works Monday through Friday, between XXXX XXXX  to XXXX XXXX. I let XXXX know that I was off for the rest of the day, but would be working tomorrow. The voicemail lasted for one minute and detailed my work schedule, including that I work during her working hours, but would try my hardest to return her call as soon as I could. I let her know that I worked the next day, but would try to return a call that day if she called. I noted that if I didn't return her call that day, I would try her again as soon as my work schedule allows, as she is not there on weekends. I let her know she is welcome to email me as well. XXXX called me back on Friday, XX/XX/XXXX at XXXX XXXX. She asked me to call back, acknowledged receipt of my voicemail and therefore all the information about my work schedule, and told me her schedule one again as Monday through Friday, XXXX XXXX  to XXXX XXXX. However, the letter I received today, also attached, was marked XX/XX/XXXX. It is suffice to say that no real attempt was made to contact me, as XXXX was fully informed of and acknowledged my schedule and my cooperation. \n\nAdditionally, to continue what XXXX wrote in the letter - which was unhelpful and did not address the majority of what was written above, TD Bank does have documentation of my address change, as I have notified every representative of TD Bank I have spoken to since XX/XX/XXXX ( see screenshot of call log ), which, if TD Bank 's representatives ' claim is true that they were sending out statements to the wrong address. My address changed on XX/XX/XXXX ( see 60 day notice sent to leasing office that is attached ). I started my mail forwarding on XX/XX/XXXX, but continued to check my mailbox ( see document ). I also subscribe to the service USPS provides called XXXX XXXX, where you see all mail they deliver to you. Additionally, per TD Bank 's website, I should have received my card within 7-10 business days, so I should have received the card in XX/XX/XXXX. ( See screenshot of their FAQ, marked with today 's date and time. ) I also reported that I did not receive any documentation or my card to every representative of TD Bank I spoke to. I was never sent any documentation or a new card, despite TD Bank 's own FAQ saying my card should have been canceled and I should have been sent another card. \n\nXXXX also said many times how they couldn't find any documentation that I didn't receive information, my card and documents regarding the card, statements, etc. However, they have not provided any documentation that I did receive them. There are plenty of measures to document this, such as certified mail or read receipts. Who knows if they sent it, or if they did, who has all my account information. \n\nXXXX also claims that I didn't provide my full account history, my name, or account number in the screenshots I sent showing I had money in my account. Seeing as my full account history isn't relevant to those two months and an invasion of privacy by a company that has shown repeated incidences of why they can't be trusted, I will not be providing that. I will, however, provide the month 's history up until a few days after the payment was made, as it will show that had you put a hold on the funds or processed them, you would have received the money. I have also attached TD Bank 's own terms and conditions, which states how long a payment should really take. Each statement I have attached shows an additional two business days, my account information, my address, and my starting and ending balances for the month, as requested. I guess XXXX doesn't realize that I am not required to hand over personal information here - she is supposed to request the CFPB to retrieve it. Per the form I filled out for this, \" If you don't want the company ( s ) to see any personal information on an attachment, please remove or hide it before uploading. '' and \" Describe what happened, and well send your comments to the companies involved. \nInclude dates, amounts, and actions that were taken by you or the company. \nDo not include personal information, such as your name, account number, address, Social Security number, etc. We may ask for some of this information later, to help the company identify you and your account. '' I have asked for proof, yet you all have neglected to provide that. When addressed with XXXX, XXXX lied and said he had spoken personally to my bank. Evidence of this not happening is in the screenshot of the discussion with XXXX XXXX, unless XXXX is admitting he and an XXXX XXXX  employee broke privacy law and they disclosed information to each other. This and XXXX 's other forms of dishonest practice were not addressed by XXXX in her letter. \n\nXXXX also has neglected to address the fact that TD Bank violated the Fair Debt Collection Practices Act, other than saying she updated my account to a \" cease and desist '', which doesn't address prior violations. \n\nAdditionally, I had spoken to a representative of TD Bank on XX/XX/XXXX and said I needed an extension to pay the exorbitant payment due XX/XX/XXXX, which had increased in size from TD Bank 's dishonest practices. I explained I get paid on XX/XX/XXXX and had been picking up more shifts, but I had had two surgeries in the past month ( XX/XX/XXXX, and was out of work for two weeks and XX/XX/XXXX ) and was having a hard time coming up with the full amount. I asked the representative ( and this has been documented as well ) if I what I could that day and paid the rest on XX/XX/XXXX when I got paid, would I be able to get an extension on my due date. The representative said he had a better plan for me - He would do the extension to XX/XX/XXXX, if I put my debit card on file and agreed to the full amount being auto drafted on that date. I agreed and put my card on file. On XX/XX/XXXX, my card had not been drafted. I did, however, have a late charge and a note that my account had been charged off on the XX/XX/XXXX. When I called TD Bank to discuss this on XX/XX/XXXX, when I noticed the payment hadn't drafted, I was bounced around from representative to representative, and was also told the payment was still pending. I was then given a number that I was told was a TD Bank division that would help me solve this, and that they would be open the next day at XXXX XXXX. The number was XXXX, which belongs to a collection agency called XXXX XXXX. I called the next day and they were not, in fact, open the next day, and that it was a collection agency that TD Bank sells their charge offs to. I spoke with a representative on XX/XX/XXXX and they confirmed they are a separate company from TD Bank. TD Bank, despite charging off my account on XX/XX/XXXX, still took my payment from my account on XX/XX/XXXX. I have provided proof of all these with supporting documents attached. Despite it clearly being pulled from my account on XX/XX/XXXX, TD Bank also has it documented as done on XX/XX/XXXX, which is falsifying documents. XXXX also falsified information in an official complaint when he said he said he spoke with my bank. \n\nFinally, it is clear that XXXX didn't actually read my complaint, as she said \" You would like to pay what you borrowed, \" plus an additional {$100.00} if we remove any negative reporting on your credit '' - which isn't what I said. I was reporting what went on. That offer is gone, and me writing that statement was in quotations, as it was what I initially offered in order to prevent them from dealing with what is proving to be an inevitable lawsuit. \n\nAll this to say TD Bank has not addressed or proven anything in my complaint. They have refused to provide documentation of their claims, and only try to weakly refute mine. They also have violated the Fair Debt Collection Act, as well as refuse to accurately investigate when the issue is brought up.","date_sent_to_company":"2022-06-15T00:13:30.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"30044","tags":null,"has_narrative":true,"complaint_id":"5668744","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2022-06-14T22:01:31.000Z","state":"GA","company_public_response":null,"sub_issue":"You never received your bill or did not know a payment was due"},"highlight":{"complaint_what_happened":["I have also attached TD Bank 's own <em>terms</em> and <em>conditions</em>, which states how long a payment should really take. Each statement I have attached shows an additional two business days, my account information, my address, and my starting and ending balances for the month, as requested. I guess XXXX doesn't realize that I am not required to hand over personal information here - she is supposed to request the CFPB to retrieve it."]},"sort":[5.424523,"5668744"]},{"_index":"complaint-public-v1","_id":"2944726","_score":4.448267,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Westlake threatened that I pay or my credit would be ruined. I was in XXXX and now I'm XXXX. I cant XXXX and I suffered XXXX XXXX to my XXXX and I can XXXX XXXX. I told them said said there is nothing they could do. the date is XX/XX/XXXX for XXXX. they said I must pay they don't care. they made me feel like XXXX XXXX again. I'm so XXXX My Account Sign Out Overview Credit Reports Alerts Protection Credit Tools XXXX Poor As of : XX/XX/XXXX Print Report Personal Information Score Factors Your credit score is calculated using 5 factors. \n40 % Payment History 35 % Outstanding Debt 10 % Account Types 10 % Credit Age 5 % New Activity = 100 % Your Credit Score Payment HistoryPoor Paying your bills on time is the single most important thing you can do for your credit score, this shows creditors that you are willing and able to meet all your obligations. \n1 Collection Accounts 4 Delinquent Accounts 0 Public Records 4 Late Payments 86 % of on time payments Compare your rating on this score factor across all bureaus to ensure correct reporting. \nCompare Now Outstanding DebtExcellent Keeping your balances low compared to your available credit shows creditors you are able to manage your debt and your budget is likely in line. Keeping your balances under 30 % is a good rule of thumb but keeping them under 10 % ( but greater than 0 % ) is your ideal target.\n\n{$3300.00} Total Credit Usage {$34000.00} Total Credit Limit 10 % Credit Utilization Compare your rating on this score factor across all bureaus to ensure correct reporting. \nCompare Now Account TypesGood Having a diverse mix of different account types demonstrates your ability to meet your credit obligations.\n\n11 Open Accounts 3 Closed Accounts 14 Total Accounts Credit Mix Open AccountClosed Account 1 0 Real Estate 1 0 Auto 5 0 Student 2 3 Credit Card 2 0 Other Compare your rating on this score factor across all bureaus to ensure correct reporting. \nCompare Now Credit AgeGood Creditors value longevity and consistency so the deeper your credit history is the better. Remember that opening new accounts and closing existing accounts can impact your credit age. \n1 Year 7 Months Average Credit Age 6 Years 5 Months Oldest Account 5 Months Newest Account Oldest Account rentreporters.com/residence Act. # XXXX Current XXXX Open Real Estate Account Type Newest Account XXXX XXXX XXXXXXXX Act. # XXXX Collection Chargeoff XXXX Open Other Account Type Compare your rating on this score factor across all bureaus to ensure correct reporting. \nCompare Now New ActivityFair While new activity is normal and represents the lowest impact to your score, it is a good idea to refrain from opening a bunch of new accounts in a short time frame. \nWho's been checking your credit? \n\nInquiry : XXXX Date:XXXX Inquiry : XXXX/XXXX  Date:XXXX Review All Inquiries Compare your rating on this score factor across all bureaus to ensure correct reporting. \nCompare Now Accounts Summary Total Balances : {$49000.00} Total Payments : {$500.00} Real Estate Balance {$0.00} Payment {$0.00} View Real Estate Auto Loans Balance {$13000.00} Payment {$310.00} View Auto Loans Credit Cards Balance {$6900.00} Payment {$140.00} View Credit Cards Student Loans Balance {$28000.00} Payment {$0.00} View Student Loans Other Accounts Balance {$100.00} Payment {$50.00} View Other Accounts Negative Items Collections 1 Public Records 0 View Negative Items Collections Accounts Debts that have been turned over to a third-party collection agency. \n\nYour payment history has the greatest impact on your credit scores. Debts in collection often have long-term, harmful effects on your scores. They remain on your reports for up to seven years, and if they lead to legal action to collect the debt, the harmful hit to your scores is magnified. Work with your creditor to find a repayment solution to lessen the negative consequences. \n\n\nXXXX XXXX XXXXXXXX Balance {$3500.00} COLLECTIONS XXXX XXXX XXXX XXXX Original Creditor XXXX Act. # XXXX Opened XXXX Reported Open Condition Creditor Contact : XXXX XXXX XXXX XXXX, XXXX, MD  XXXX | ( XXXX ) XXXX Compare this account across all bureaus. \nClick here to ensure your information is being reported correctly. \nCompare Account Open AccountsClosed AccountsAll Accounts Your Accounts Reported from XXXX  XXXX Sort by All Account Types Viewing All Account Types XXXX XXXX XXXXXXXX Act. # XXXX {$150.00} Past Due XXXX Opened {$1000.00} Credit Limit {$2100.00} Balance Individual Account Credit Card Account Type Closed Condition XXXX Date Reported {$60.00} Payment Creditor Contact : XXXX XXXX XXXX, XXXX XXXX , TX XXXX | ( XXXX ) XXXX Remarks : Canceled by credit grantor Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 1 Negative Item XXXX 0 Negative Items XXXX 0 Negative Items Compare this account across all bureaus. \nClick here to ensure your information is being reported correctly. \nCompare Account XXXX XXXX Act. # XXXX {$200.00} Past Due XXXX Opened {$750.00} Credit Limit {$1300.00} Balance Individual Account Credit Card Account Type Closed Condition XXXX Date Reported {$43.00} Payment Creditor Contact : XXXX XXXX XXXX, XXXX XXXX XXXX , UT   XXXX | ( XXXX ) XXXX Remarks : Dispute resolved ; reported by grantor Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Negative Items XXXX 0 Negative Items XXXX 0 Negative Items Compare this account across all bureaus. \nClick here to ensure your information is being reported correctly. \nCompare Account XXXX XXXX XXXX # XXXX Current XXXX Opened {$14000.00} High Balance {$15000.00} Balance Individual Account Student Loan Account Type Open Condition XXXX Date Reported {$0.00} Payment Creditor Contact : XXXX XXXX XXXX, XXXX XXXX , PA XXXX | ( XXXX ) XXXX Remarks : Payment deferred Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 0 Negative Items XXXX 0 Negative Items XXXX 0 Negative Items Compare this account across all bureaus. \nClick here to ensure your information is being reported correctly. \nCompare Account XXXX XXXX XXXX # XXXX Current XXXX Opened {$12000.00} High Balance {$13000.00} Balance Individual Account Vehicle Loan Account Type Open Condition XXXX Date Reported {$310.00} Payment Creditor Contact : XXXX XXXX XXXX , XXXX XXXX , CA XXXX | ( XXXX ) XXXX Remarks : Charged off as bad debt Profit and loss write-off Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Compare this account across all bureaus. \nClick here to ensure your information is being reported correctly. \nCompare Account XXXX XXXX Act. # XXXX Current XXXX Opened {$3500.00} High Balance {$3500.00} Balance Individual Account Student Loan Account Type Open Condition XXXX Date Reported {$0.00} Payment Creditor Contact : XXXX XXXX XXXX, XXXX XXXX , PA  XXXX | ( XXXX ) XXXX Remarks : Payment deferred Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 0 Negative Items XXXX 0 Negative Items XXXX 0 Negative Items Compare this account across all bureaus. \nClick here to ensure your information is being reported correctly. \nCompare Account XXXX XXXX Act. # XXXX Current XXXX Opened {$3500.00} High Balance {$3500.00} Balance Individual Account Student Loan Account Type Open Condition XXXX Date Reported {$0.00} Payment Creditor Contact : XXXX XXXX XXXX, XXXX XXXX , PA XXXX | ( XXXX ) XXXX Remarks : Payment deferred Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 0 Negative Items XXXX 0 Negative Items XXXX 0 Negative Items Compare this account across all bureaus. \nClick here to ensure your information is being reported correctly. \nCompare Account XXXX/XXXX  Act. # XXXX Current XXXX Opened {$8000.00} Credit Limit {$3300.00} Balance Authorized User Account Credit Card Account Type Open Condition XXXX Date Reported {$39.00} Payment Creditor Contact : XXXX XXXX XXXX, XXXX XXXX , SD XXXX You are an authorized user on this account. \nThis means the primary cardholder has trusted you with access to their credit. While you are not contractually responsible for the debt or making the payments, the account is reported on your credit profile. On-time payments could be beneficial to your scores, and conversely, late payments could have a negative impact. If this account has a negative impact on your scores, you can ask the bank to remove you as an authorized user and to stop reporting it on your credit profile. \n\nPayment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 0 Negative Items XXXX 0 Negative Items XXXX 0 Negative Items Compare this account across all bureaus. \nClick here to ensure your information is being reported correctly. \nCompare Account XXXX XXXX XXXX # XXXX Current XXXX Opened {$2900.00} High Balance {$3100.00} Balance Individual Account Student Loan Account Type Open Condition XXXX Date Reported {$0.00} Payment Creditor Contact : XXXX XXXX XXXX, XXXX XXXX , PA XXXX XXXX ( XXXX ) XXXX Remarks : Payment deferred Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 0 Negative Items XXXX 0 Negative Items XXXX 0 Negative Items Compare this account across all bureaus. \nClick here to ensure your information is being reported correctly. \nCompare Account XXXX XXXX Act. # XXXX Current XXXX Opened {$2600.00} High Balance {$2700.00} Balance Individual Account Student Loan Account Type Open Condition XXXX Date Reported {$0.00} Payment Creditor Contact : XXXX XXXX XXXX, XXXX XXXX , PA  XXXX | ( XXXX ) XXXX Remarks : Payment deferred Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 0 Negative Items XXXX 0 Negative Items XXXX 0 Negative Items Compare this account across all bureaus. \nClick here to ensure your information is being reported correctly. \nCompare Account intersectfun Act. # XXXX Current XXXX Opened {$430.00} High Balance {$67.00} Balance Individual Account Other Account Type Open Condition XXXX Date Reported {$33.00} Payment Creditor Contact : XXXX XXXX XXXX, XXXX XXXX , NJ XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 0 Negative Items XXXX 0 Negative Items XXXX 0 Negative Items Compare this account across all bureaus. \nClick here to ensure your information is being reported correctly. \nCompare Account intersectfun Act. # XXXX Current XXXX Opened {$210.00} High Balance {$33.00} Balance Individual Account Other Account Type Open Condition XXXX Date Reported {$17.00} Payment Creditor Contact : XXXX XXXX XXXX, XXXX XXXX , NJ XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Negative Items XXXX 0 Negative Items XXXX 0 Negative Items Compare this account across all bureaus. \nClick here to ensure your information is being reported correctly. \nCompare Account chase card Act. # XXXX Current XXXX Opened {$26000.00} Credit Limit {$0.00} Balance Terminated Account Credit Card Account Type Open Condition XXXX Date Reported {$0.00} Payment Creditor Contact : XXXX. XXXX XXXX, XXXX, DE XXXX | ( XXXX ) XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 0 Negative Items XXXX 0 Negative Items XXXX 0 Negative Items Compare this account across all bureaus. \nClick here to ensure your information is being reported correctly. \nCompare Account rentreporters.com/residence Act. # XXXX Current XXXX Opened {$1800.00} High Balance {$0.00} Balance Individual Account Home Loan Account Type Open Condition XXXX Date Reported {$1800.00} Payment Creditor Contact : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX | ( XXXX ) XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 0 Negative Items XXXX 0 Negative Items XXXX 0 Negative Items Compare this account across all bureaus. \nClick here to ensure your information is being reported correctly. \nCompare Account capital bank Act. # XXXX Closed XXXX Opened {$200.00} Credit Limit {$180.00} Balance Individual Account Credit Card Account Type Closed Condition XXXX Date Reported {$0.00} Payment Creditor Contact : XXXX XXXX XXXX XXXX XXXX , XXXX, MD XXXX | ( XXXX ) XXXX Remarks : Charged off as bad debt Profit and loss write-off Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Compare this account across all bureaus. \nClick here to ensure your information is being reported correctly. \nCompare Account Who's Been Checking Your Credit? \nYour credit report has recently been checked by a creditor or lender. \n\nInquiry : XXXXDate of Inquiry : XXXX Contact:XXXX XXXX XXXX XXXX , XXXX , TX XXXX | ( XXXX ) XXXX Inquiry : XXXXDate of Inquiry : XXXX Contact : XXXX XXXX XXXX, XXXX , FL XXXX | ( XXXX ) XXXX Inquiry : XXXXDate of Inquiry : XXXX Contact : XXXX XXXX XXXX, XXXX XXXX , CA  XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Contact : XXXX XXXX XXXX, XXXX XXXX XXXX , UT XXXX | ( XXXX ) XXXX XXXX Score Reasons Positive and Negative Reasons Impacting Your Credit Score. \nReview All Score Reasons Your Credit On The Go - Staying informed about your credit is the key to protecting it. Our app makes it easy. \nCall Us at XXXX Live representatives are available Monday - Friday, XXXX to XXXX CST Saturday, XXXX to XXXX CST Sunday, XXXX to XXXX CST Protected & secured with using ScoreSense Dashboard XXXX  Report XXXX Report XXXX Report My Score Tools Family Identity Learning Center Alerts ScoreTracker Disputes Credit Freeze help Contact Us FAQs legal Terms & Conditions Privacy Policy About Us stay connected ScoreSense is a trademark of XXXX XXXX XXXX. \nXXXX XXXX XXXX, XXXX. All rights reserved.","date_sent_to_company":"2018-06-24T22:19:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11236","tags":null,"has_narrative":true,"complaint_id":"2944726","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Westlake Services, LLC","date_received":"2018-06-24T21:52:18.000Z","state":"NY","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Call Us at XXXX Live representatives are available Monday - Friday, XXXX to XXXX CST Saturday, XXXX to XXXX CST Sunday, XXXX to XXXX CST Protected & secured with using ScoreSense Dashboard XXXX  Report XXXX Report XXXX Report My Score Tools Family Identity Learning Center Alerts ScoreTracker Disputes Credit Freeze help Contact Us <em>FAQs</em> <em>legal</em> <em>Terms</em> & <em>Conditions</em> <em>Privacy</em> Policy <em>About</em> Us stay connected ScoreSense is a trademark of XXXX XXXX XXXX. \nXXXX XXXX XXXX, XXXX. All rights reserved."]},"sort":[4.448267,"2944726"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":5,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":5}]}},"product":{"doc_count":5,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":2}]}},{"key":"Credit card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":1}]}},{"key":"Credit card or prepaid card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":1}]}}]}},"issue":{"doc_count":5,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account status incorrect","doc_count":2},{"key":"Information belongs to someone else","doc_count":1}]}},{"key":"Other features, terms, or problems","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem","doc_count":1}]}},{"key":"Problem when making payments","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"You never received your bill or did not know a payment was due","doc_count":1}]}}]}},"timely":{"doc_count":5,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":5}]}},"company_response":{"doc_count":5,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":4},{"key":"Closed with non-monetary relief","doc_count":1}]}},"submitted_via":{"doc_count":5,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":5}]}},"company":{"doc_count":5,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Experian Information Solutions Inc.","doc_count":1},{"key":"SOFI TECHNOLOGIES, INC.","doc_count":1},{"key":"TD BANK US HOLDING COMPANY","doc_count":1},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":1},{"key":"Westlake Services, LLC","doc_count":1}]}},"state":{"doc_count":5,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"FL","doc_count":2},{"key":"DC","doc_count":1},{"key":"GA","doc_count":1},{"key":"NY","doc_count":1}]}},"company_public_response":{"doc_count":5,"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":2}]}},"tags":{"doc_count":5,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":2}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}