{"took":308,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1209,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"19555440","_score":21.700481,"_source":{"product":"Debt collection","complaint_what_happened":"Southwest Credit Systems continues to call me and fails to identify as a debt collection company and fails to verify they are speaking to me before giving out my identifying information over the phone. If I do not confirm my name and info they will not tell me what company they are with and then begin to read my information off before I have even told them my name or confirmed it is me they are speaking to when asked. Repeat issue and continuous calls. They call me from multiple number changing numbers every time I block the number they call on. XXXX They have been told to stop calling and they continue to call.","date_sent_to_company":"2026-02-17T15:33:32.000Z","issue":"Communication tactics","sub_product":"I do not know","zip_code":"754XX","tags":"Servicemember","has_narrative":true,"complaint_id":"19555440","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Southwest Credit Systems, L.P.","date_received":"2026-02-17T15:24:23.000Z","state":"TX","company_public_response":null,"sub_issue":"Frequent or repeated calls"},"highlight":{"complaint_what_happened":["Southwest Credit Systems continues to <em>call</em> me and fails to identify as a debt collection company and fails to verify they are speaking to me <em>before</em> giving out my identifying <em>information</em> <em>over</em> the <em>phone</em>. If I do not confirm my name and info they will not tell me what company they are with and then begin to <em>read</em> my <em>information</em> off <em>before</em> I <em>have</em> even told them my name or confirmed it is me they are speaking to when asked. Repeat issue and continuous <em>calls</em>."]},"sort":[21.700481,"19555440"]},{"_index":"complaint-public-v1","_id":"20770442","_score":20.564983,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/year>, I received a call from XXXX XXXX Before the representative verified my identity or confirmed they were speaking to the correct person, the agent read Social Security XXXX XXXX loud over the phone.\n\nReading a consumer 's Social Security Number ( SSN ) as a \" verification '' method is an unsafe and illegitimate practice. By disclosing my full PII ( Personally Identifiable Information ) before I had confirmed who I was, the agent : 1. Risked a Third-Party Disclosure : If I were not the intended recipient or if someone else were in the room, my most sensitive private information would have been compromised.\n\n2. Failed Proper Identification Protocols : Standard industry practice and consumer protection guidelines require the consumer to provide the last four digits of their SSN to verify their identity ; the collector should never read the number to the caller.\n\nThis practice is an invasion of my privacy and creates a significant security risk. I am requesting that this company review their call recordings for this interaction and update their employee training and verification protocols to ensure that full Social Security Numbers are never read aloud to consumers.","date_sent_to_company":"2026-03-30T14:35:03.000Z","issue":"Threatened to contact someone or share information improperly","sub_product":"Telecommunications debt","zip_code":"12065","tags":null,"has_narrative":true,"complaint_id":"20770442","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2026-03-30T14:15:40.000Z","state":"NY","company_public_response":null,"sub_issue":"Talked to a third-party about your debt"},"highlight":{"complaint_what_happened":["On XX/XX/year>, I received a <em>call</em> from XXXX XXXX <em>Before</em> the representative verified my identity or confirmed they were speaking to the correct person, the agent <em>read</em> Social Security XXXX XXXX loud <em>over</em> the <em>phone</em>.\n\nReading a consumer 's Social Security Number ( SSN ) as a \" verification '' method is an unsafe and illegitimate practice. By disclosing my full PII ( Personally Identifiable <em>Information</em> ) <em>before</em> I had confirmed who I was, the agent : 1."],"issue":["Threatened to contact someone or share <em>information</em> improperly"]},"sort":[20.564983,"20770442"]},{"_index":"complaint-public-v1","_id":"8736678","_score":19.048037,"_source":{"product":"Debt collection","complaint_what_happened":"I have made payment arrangements with this XXXX  company over a week ago and every single day at exactly XXXX they start harassing me with phone calls from two different phone numbers. Theyve called me up to 6 times in the same XXXX hour and I keep having to XXXX repeat myself when they already have the information in front of themselves. But for some XXXX  reason they cant figure out that I already have payments with them before calling me!!!! They are waking me up!! Ive constantly had to tell them to stop calling me because they already have this information in front of them so why are they harassing me about the same thing when its already been dealt with. \n\n\nThey have called me up to XXXX in a single hour when Ive already spoken to someone for that day! I have spoken to someone EVERY SINGLE DAY about THE SAME THING when the information was already IN THEIR FACE. And then they act stupid and start stuttering when I tell them to read their own freaking notes. \n\n\n\nThis is being done by Capitol One Auto Fianance.","date_sent_to_company":"2024-04-12T16:17:48.000Z","issue":"Communication tactics","sub_product":"Auto debt","zip_code":"78666","tags":null,"has_narrative":true,"complaint_id":"8736678","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-04-10T14:35:45.000Z","state":"TX","company_public_response":null,"sub_issue":"Frequent or repeated calls"},"highlight":{"complaint_what_happened":["I <em>have</em> made payment arrangements with this XXXX  company <em>over</em> a week ago and every single day at exactly XXXX they start harassing me with <em>phone</em> <em>calls</em> from two different <em>phone</em> numbers. Theyve <em>called</em> me up to 6 times in the same XXXX hour and I keep <em>having</em> to XXXX repeat myself when they already <em>have</em> the <em>information</em> in front of themselves. But for some XXXX  reason they cant figure out that I already <em>have</em> payments with them <em>before</em> calling me!!!! They are waking me up!!"]},"sort":[19.048037,"8736678"]},{"_index":"complaint-public-v1","_id":"7807504","_score":18.928904,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I was looking for a loan to pay off credit card debt. I was very careful about only selecting websites that didn't pull a hard credit inquiry. ( I checked with about XXXX ) I received a call immediately from One main Financial, while I was still on their web page. The guy named XXXX went over some information and stated that he could help me but I had to email him my pay stubs and a copy of my driver 's license to complete the application. I asked if there was a hard inquiry and he stated \" no, there is not a hard inquiry until you verify your identity and income. \" I said I would have to think it through before I made a decision. Later on that evening I was alerted to a hard inquiry. Upon calling the company, another employee answered my call and said that XXXX was unavailable, he would call me Monday. That guy was nasty to me on the phone. Today, XX/XX/23 I received a call from XXXX. He was also nasty to me on the phone and said that \" you should have read the fine print before filling out any information. \" Of XXXX companies, they are the only XXXX who advertise no hard credit inquiry but went and did so anyway.","date_sent_to_company":"2023-11-06T15:19:34.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"077XX","tags":null,"has_narrative":true,"complaint_id":"7807504","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"OneMain Finance Corporation","date_received":"2023-11-06T15:02:56.000Z","state":"NJ","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["He was also nasty to me on the <em>phone</em> and said that \" you should <em>have</em> <em>read</em> the fine print <em>before</em> filling out any <em>information</em>. \" Of XXXX companies, they are the only XXXX who advertise no hard credit inquiry but went and did so anyway."]},"sort":[18.928904,"7807504"]},{"_index":"complaint-public-v1","_id":"3742163","_score":18.811531,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Ive read the response of my complaint from Chex systems which I have a problem with. A lady called me one night to go over my report and phone numbers that were on there and I asked her about these variations of numbers beside my name. Then she went on to say that I called before with another number or something which is totally wrong and it doesnt make sense. She doesnt speak good English to communicate properly and said that she was gon na keep information on my report she doesnt know what she is doing. If my wallet and other identification has been lost/stolen common sense should tell her that someone is using my information! I would like for this lady to call me back and explain clearly whats shes talking about or someone else and said she merged a file and it doesnt belong to me. This is crazy!","date_sent_to_company":"2020-07-13T15:39:37.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"80219","tags":"Servicemember","has_narrative":true,"complaint_id":"3742163","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Fidelity National Information Services, Inc. (FNIS)","date_received":"2020-07-13T15:26:04.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Ive <em>read</em> the response of my complaint from Chex systems which I <em>have</em> a problem with. A lady <em>called</em> me one night to go <em>over</em> my report and <em>phone</em> numbers that were on there and I asked her about these variations of numbers beside my name. Then she went on to say that I <em>called</em> <em>before</em> with another number or something which is totally wrong and it doesnt make sense."],"company":["Fidelity National <em>Information</em> Services, Inc. (FNIS)"]},"sort":[18.811531,"3742163"]},{"_index":"complaint-public-v1","_id":"5717930","_score":18.446947,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"THE HOME DEPOT CLAIMS THAT I APPLIED FOR CREDIT FROM THEM ONLINE. I HAVE NEVER APPLIED FOR ANY CREDIT FROM THEM AT ANY GIVEN TIME. MY REPORTS HAVE A BLOCK/FREEZE ON ALL OF THEM AND I DID NOT GIVE THEM MY PERMISSION TO CHECK MY CREDIT. THE FREEZE/BLOCK HAS BEEN ON MY REPORTS FOR ABOUT 8 YEARS. I AM A VICTIM OF IDENTITY THEFT. IT STATES THAT ON MY CREDIT REPORT. IN ORDER TO CHECK MY CREDIT YOU WOULD HAVE HAD TO CALL ME FIRST. THERE IS A STATEMENT ON MY CREDIT FILE YOU MUST CALL ME BEFORE YOU CHECK MY CREDIT. I DID NOT APPLY FOR ANY CREDIT FROM YOU AT ANY GIVEN TIME. IF YOU HAD READ MY REPORTS IT STATES THAT YOU ARE TO CALL ME BEFORE YOU CHECK MY CREDIT BUT THE COMPANY DID NOT DO THIS. I NEVER RECEIVED ANY PHONE CALLS OR E-MAILS OR MAIL. I AM A VICTIM OF IDENTITY THEFT. MY INFORMATION IS ALL OVER THE DARK WEB SO SAYS XXXX AND XXXX, THEY WERE THE ONES WHO NOTIFIED ME OF THIS FRAUD. I DID NOT APPLY FOR ANY CREDIT FROM YOU.","date_sent_to_company":"2022-06-28T20:57:27.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"35126","tags":"Older American","has_narrative":true,"complaint_id":"5717930","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2022-06-28T20:40:21.000Z","state":"AL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["IF YOU HAD <em>READ</em> MY REPORTS IT STATES THAT YOU ARE TO <em>CALL</em> ME <em>BEFORE</em> YOU CHECK MY CREDIT BUT THE COMPANY DID NOT DO THIS. I NEVER RECEIVED ANY <em>PHONE</em> <em>CALLS</em> OR E-MAILS OR MAIL. I AM A VICTIM OF IDENTITY THEFT. MY <em>INFORMATION</em> IS ALL <em>OVER</em> THE DARK WEB SO SAYS XXXX AND XXXX, THEY WERE THE ONES WHO NOTIFIED ME OF THIS FRAUD. I DID NOT APPLY FOR ANY CREDIT FROM YOU."]},"sort":[18.446947,"5717930"]},{"_index":"complaint-public-v1","_id":"8443342","_score":18.316322,"_source":{"product":"Debt or credit management","complaint_what_happened":"According to my agreement, I built up a balance of payments ( {$430.00} a month ) in XX/XX/XXXX. They settled a debt with XXXX XXXX at 50 % ( {$9400.00} original balance settled for {$4700.00} ), paid the company {$200.00}, and took out the remaining balance of the account to cover their 25 % fee. It would then be another approximately 4 months before enough would be accumulated to settle another account. \n\nThe goal of this company is profit NOT settling or actually helping their customer or providing value. The fee amount and timing is set out in the contract, but we are only given a few minutes to sign over the phone. I read the agreement after the call, but I never believed or even thought they would pull it out BEFORE settling other debts. I find this approach deceptive at best. They are taking advantage of desperate customers. \n\nIn addition, in numerous phone calls they kept telling me they had contacted several companies. I have now called those companies, and NONE reported receiving communications from XXXX. I was sent a consent form to sign so that they can speak to XXXX XXXX on XX/XX/XXXX, FOUR months after my agreement was signed. \n\nFinally, I requested on those phone calls ( 5 times total ) information be sent to me on where to lodge complaints. I never received anything in writing. Verbally, the only place they referred me was the XXXX  XXXX XXXX. they maintain a top rating with the XXXX, and refer to it extensively in their sales pitch. in the final call the person mocked me for not using XXXX to find the contact information for the CFPB.","date_sent_to_company":"2024-02-28T19:05:52.000Z","issue":"Charged upfront or unexpected fees","sub_product":"Debt settlement","zip_code":"75243","tags":null,"has_narrative":true,"complaint_id":"8443342","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TriPoint Lending, LLC","date_received":"2024-02-28T18:35:11.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["It would then be another approximately 4 months <em>before</em> enough would be accumulated to settle another account. \n\nThe goal of this company is profit NOT settling or actually helping their customer or providing value. The fee amount and timing is set out in the contract, but we are only given a few minutes to sign <em>over</em> the <em>phone</em>. I <em>read</em> the agreement after the <em>call</em>, but I never believed or even thought they would pull it out <em>BEFORE</em> settling other debts. I find this approach deceptive at best."]},"sort":[18.316322,"8443342"]},{"_index":"complaint-public-v1","_id":"11912298","_score":18.294388,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"XX/XX/XXXX, I applied at Post Lake Lending for a {$1200.00} loan. I needed the loan because I fell behind on rent, and XXXX was approaching. \n\nAfter applying for the loan and verifying my Bank information, I received an approval and a document to sign. After reviewing the document, I decided that this loan was not the best option for me. On XX/XX/XXXX, I got a call from Post Lake Lending. The lady on the line asked if I wanted to continue pursuing this loan. I told her I did not because after reading the loan disclosure, I did not want a loan with a 200 % APR. The lady assured me that I read the document WRONG, and that the APR did not accumulate until after a year. If I paid the loan within a year, I would not pay interest. I agreed and signed the document. \n\nI also inquired about how to make my payments. The lady told me that I could only make my payments over the phone, and Id be notified 3 days before the my due date via email with a payment reminder. \n\nXX/XX/XXXX, I received my first email regarding my due date for my first payment for XX/XX/XXXX. The email doesnt specify the payment amount. On XX/XX/XXXX, my account was overdraft $ XXXX from Post Lake Lending . Infuriated, I called their customer support. I was informed that this {$300.00} payment was scheduled every 2 weeks, which would equate to me paying a total of {$9000.00} to Post Lake by the end of my loan agreement. I expressed to the gentleman that I was on the phone with that I read something like this in the disclosure, and I opted out of the loan. But was then called by a lady that called me assured me that I did not read the loan agreement right, and I would not pay interest on the loan if I payed it within under a year. He told me that the lady should have read me a disclosure.","date_sent_to_company":"2025-02-03T19:07:54.000Z","issue":"Charged fees or interest you didn't expect","sub_product":"Installment loan","zip_code":"37138","tags":null,"has_narrative":true,"complaint_id":"11912298","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Post Lake Lending Inc.","date_received":"2025-02-03T18:28:32.000Z","state":"TN","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["But was then <em>called</em> by a lady that <em>called</em> me assured me that I did not <em>read</em> the loan agreement right, and I would not pay interest on the loan if I payed it within under a year. He told me that the lady should <em>have</em> <em>read</em> me a disclosure."]},"sort":[18.294388,"11912298"]},{"_index":"complaint-public-v1","_id":"1304847","_score":17.105345,"_source":{"product":"Debt collection","complaint_what_happened":"I first received a phone call from \" XXXX '' at Atlantic Credit and Finance , Inc. '' at my business, which I own, where the gentleman asked for me by first name only. The XXXX phone call attempt from AC & F I was not available to come to the phone, XXXX told my employee that he would wait on the phone until I became available, when my employee refused his offer he said there was no message. XXXX called back a few hours later, at this time I answered the phone. Our conversation began with XXXX telling me that I owed money for a past debt in the amount of over {$3000.00} from the company \" XXXX ''. I responded quickly telling him I have never owned or been billed for a \" XXXX '' credit card and therefore he had to have had the wrong person. That is when he began asking me personal financial information about myself just to \" check '' if he had the right person. He asked me what my address was, what my social security number was, banking information, etc. I refused to answer these questions and told him that if he is trying to collect a past debt from me HE SHOULD HAVE THAT INFORMATION in front of him. He assured me that he did indeed have all of my personal information in front of him and that he was just asking so that he could verify this information. I than asked him to please read to me the, address, social security number, and name of the banking institution he had on file for me, he only gave a false S.S. number before I stopped him and told him once again that HE HAD THE WRONG PERSON. After about a half hour of XXXX trying to \" trick '' information out of me I finally got him to agree that he had the wrong person, he apologized for the inconvenience and we hung up the phone. The next day my company received another phone call from XXXX again. He began the conversation this time the exact way he began it the day before as if we had'nt even spoken with each other before. When I reminded him that he had called me yesterday and I thought that we have resolved the issue, he just ignored me and kept going on with his interrogation for my personal information. This time I told him to please verify where I applied for this \" XXXX '' card, where I made the so called purchases, what address and name was \" XXXX '' sending statements to, in regards to this account. He tried avoiding the questions and it seemed to me that he would pause, as if he was being fed information to repeat back to me. I told him to send me as much information as he had on this account so that I could look into it myself. He told me he could not send any of the information. I told XXXX that I needed to look into this issue more and asked him for his phone number so that I could call him back once I found out more about this issue. \nOnce I got off the phone with Atlantic Credit and Finance , Inc. I researched the company online and was able to find out that I was not the first person that has an experience like this with them. I called my Attoroney General 's Office and told them a little bit about the phone call. I gave the Attoroney General 's Office Atlantic Credit and Finance 's company name, address, and phone number and they told me that the company has be dissolved for over four years.","date_sent_to_company":"2015-03-27T17:31:18.000Z","issue":"Cont'd attempts collect debt not owed","sub_product":"I do not know","zip_code":"63090","tags":null,"has_narrative":true,"complaint_id":"1304847","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Atlantic Credit & Finance, Inc.","date_received":"2015-03-27T17:31:17.000Z","state":"MO","company_public_response":"Company chooses not to provide a public response","sub_issue":"Debt is not mine"},"highlight":{"complaint_what_happened":["The next day my company received another <em>phone</em> <em>call</em> from XXXX again. He began the conversation this time the exact way he began it the day <em>before</em> as if we had'nt even spoken with each other <em>before</em>. When I reminded him that he had <em>called</em> me yesterday and I thought that we <em>have</em> resolved the issue, he just ignored me and kept going on with his interrogation for my personal <em>information</em>."]},"sort":[17.105345,"1304847"]},{"_index":"complaint-public-v1","_id":"9775215","_score":16.954922,"_source":{"product":"Checking or savings account","complaint_what_happened":"Thursday, XX/XX/year>2024.\n\nWhile still at a house after conducting business, before driving home. \nNote : XXXX ( XXXX XXXX ) was in the car sitting with XXXX XXXX XXXX XXXX in the back seat and heard the entire conversation. \nBetween XXXX, while using the Bank of America ( BofA ) mobile app, XXXX noticed a {$200.00} transaction at a XXXX in Utah. \nUsing the Bank of America mobile App, she clicked on the charge dispute charge- agreed to freeze card and dispute charge.\n\nShortly after clicking confirm, a call come in to our business phone from Bank of America ( XXXX ) XXXX XXXX. \nXXXX answers the call, places on speaker phone and the representative proceeds with reciting his name, position, call location and stated that he was on a recorded line. The rep. then asked if he was speaking with XXXX XXXX, she says yes. And he asked to confirm her identity with a code verification via text. The first text came in from ( XXXX ). * see attached image* She read back the code. \nThe rep. then says, I see you are requesting to dispute the {$200.00} charge, on your business checking account number ( reads whole account number ). Looks like the card used was the ( reads card number ) AKA her business debit card.\n\nThe rep. then asks to confirm that the other charges were made by our company and reads down the last XXXX or XXXX charges, she says yes we made those transactions. \nThe Rep. then says okay, I have frozen that debit card and submitted for a new one to be mailed out to you at your ( reads address ) is that correct? She says yes. The rep then says to read back a code confirming the order of a new card. Receives text from ( XXXX ) and XXXX reads back the code. The Rep. then asks if she would like to receive fraud alert texts from BofA, she says yes, the Rep. then sends another code for her to read, confirming the enrollment of fraud alert texts. The Rep. then repeats what was done during the call, and asks if there are any other issues or quests, XXXX says no ; the Rep says thank you for being a member of BofA, and they both hang up. \nXXXX drives home from XXXX, SC to XXXX SC. \n\nFriday, XX/XX/year> Between XXXX XXXX notices a text from another XXXX digit number ( XXXX ) Asking if XXXX XXXX XXXX made a wire transfer of {$72000.00} from account ending in She replies NO Immediately checks the BofA mobile App and notices that there had been a transfer of {$72000.00} from the business savings account. She immediately calls the BofA fraud line, and begins questioning the transaction, and telling them what happened..\n\nThe same script is recited by the new representative.\n\nThe Rep. on this call explains the steps, and says that the timeline could be anywhere from 30- 90 days when and IF they can get the money back. \nImmediately following this call XXXX calls XXXX at the BofA branch in XXXX on XXXX XXXX. and tells the situation and story. \nXXXX and XXXX XXXX to XXXX XXXX, arrive around XXXX and met with XXXX to gain more information of the matter. XXXX asks about how we tried to dispute the c\n\nharge, asks for the story. Calls the wire room and learns that the funds have already been released by BofA. The send a request to discover bank to return the funds. XXXX then says its up to the receiving bank to do the right thing and return the funds when they get the request XXXX then tells us that the savings is on a deposit only freeze, and that both cards are still active. And he helps us unlock online banking, we reset our username and password.\n\nHe says that the {$200.00} charge has not been disputed yet, and that we need to do so thru the app.\nin the branch we call the fraud department, again. And the same script is read by new Rep. and identity is confirmed by a code via Text from ( 73981 ). Charge is not disputed. \nXXXX and XXXX leave the branch. \nFriday, XX/XX/year> about XXXX police report is made with XXXX Police Department : XXXX XXXX. \nFriday, XX/XX/year> about XXXX contact at FBI XXXX XXXX XXXX notified, statement and all applicable information given. \nFriday, XX/XX/year> about XXXX XXXX calls BofA fraud department to get an update. \nFriday, XX/XX/year> about XXXX XXXX notices that the associated email for the business account had been compromised, there were over XXXX emails from multiple different subscriptions received on Thursday and Friday. This prompted a call to BofA fraud department to get update, and to CHANGE email from XXXX to a XXXX  account. Now keeping track of who we are talking to, XXXX from XXXX FL read the Same script, same text and code verification from ( XXXX ) and said that the email has been changed. \nSaturday, XX/XX/year> around XXXX XXXX and XXXX set up meeting with XXXX branch manager, XXXX, at the XXXX XXXX. branch. We explain story and issue to XXXX, he says that the case has been qued to the top of the list. Also double checks all our information. And reads back our email and we noticed that the email had not been changed from the XXXX to the XXXX. This makes us more skeptical of any and all phone conversations with BofA. XXXX changes our email to XXXX, and we received the email verifications on our phones immediately. \nMonday, XX/XX/year> around XXXX, XXXX from XXXX, SC branch calls XXXX Phone from Bank of America ( XXXX ) XXXX giving update that an analysist has been assigned to our claim and that we will receive documents to fill out. \nXXXX : received first email regarding claim. \nXXXX FBI XXXX XXXX XXXX contact, puts us in contact with FBI XXXX XXXX XXXX, statement given and all applicable information is handed over. \nXXXX going to branch to deliver statement and receive documents. \n\nAll information in this statement is true to the best of our knowledge","date_sent_to_company":"2024-08-12T18:00:24.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"29360","tags":"Servicemember","has_narrative":true,"complaint_id":"9775215","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-08-12T17:24:13.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Also double checks all our <em>information</em>. And <em>reads</em> back our email and we noticed that the email had not been changed from the XXXX to the XXXX. This makes us more skeptical of any and all <em>phone</em> conversations with BofA. XXXX changes our email to XXXX, and we received the email verifications on our <em>phones</em> immediately."]},"sort":[16.954922,"9775215"]},{"_index":"complaint-public-v1","_id":"8068650","_score":16.739805,"_source":{"product":"Debt or credit management","complaint_what_happened":"I am XXXX XXXX XXXX and I was the victim of a phone credit card scam by a company called Freedom Financial Services ( or US Debt Validation Finance Solutions, they switched back and forth during the call ). They called me on XX/XX/XXXX and claimed that someone had opened a XXXX checking account in my name. The man on the phone then supposedly \" cleared '' the fraudulent charge before transferring me to a different \" department '' where a lady named XXXX XXXX ( XXXX ) tried to convince me to charge {$15000.00} to three of my credit cards. \n\nShe said that as soon as I had consented to let them charge my cards, her law firm would negotiate with my creditors to reduce my debt between 60 and 100 percent ; I would just have to let them close my existing credit card accounts and issue me different credit card of their choosing. They read me my social security number over the phone along with the last four digits of the three credit cards and their current balances but insisted I tell them the full credit card number, the CVV code on the back and other personal financial information. Thank goodness my sons came home when they did and stepped in or I would have lost thousands! I still had to cancel the three cards and will need to monitor my accounts for the next few months. \n\nWatch out for Freedom Financial Services, they are untrustworthy and take advantage of the elderly.","date_sent_to_company":"2023-12-27T20:53:20.000Z","issue":"Charged upfront or unexpected fees","sub_product":"Debt settlement","zip_code":"94127","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"8068650","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FREEDOM FINANCIAL NETWORK","date_received":"2023-12-27T20:30:36.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["They <em>read</em> me my social security number <em>over</em> the <em>phone</em> along with the last four digits of the three credit cards and their current balances but insisted I tell them the full credit card number, the CVV code on the back and other personal financial <em>information</em>. Thank goodness my sons came home when they did and stepped in or I would <em>have</em> lost thousands! I still had to cancel the three cards and will need to monitor my accounts for the next few months."]},"sort":[16.739805,"8068650"]},{"_index":"complaint-public-v1","_id":"14246061","_score":16.603415,"_source":{"product":"Credit card","complaint_what_happened":"I received a capital one quicksilver card on XX/XX/year>. It has a {$300.00} limit which is weak but whatever Im trying to rebuild my credit. After verifying my identity previously before receiving the card ( received a notice in the mail with verification instructions ) XXXX I believe the letter is dated, I finally received the card after verifying a few weeks prior to the card being shipped to me. I tried activating online but it wouldnt allow me. I then called and activated the card. I made two {$3.00} purchases at XXXX and a {$15.00} purchase at a gas station. I tried using the card again and it was denied I called the number and they said I needed to verify my identity once again. Im thinking okay Ill send my id in while Im on the phone with the rep. Nope, they needed more information from me than any other company Ive done business with. While having to wait up to 10 business days for a response finally 8th business day I received a call back saying we need these documents now. So, I sent them in to be told that was fine and wait to hear from another rep. A few more days go by and I now have already received my billing statement. So I call to say this is unacceptable and you need to address this issue I had to verify before they even sent me my card the card is connected to my phone number which the automated system says when I called to resolve the issue. Its connected to the same online account as my other capital one card. None of this is making any sense nor is it helping me in any way. I call for like the 6th time and I believe most of the issues stem from the huge language barrier present and the fact that they just read whats on the screen prompt without allowing you to speak. They are rude cut you off, because in all honesty they dont care what your situation is, its obvious with the interactions Ive had with multiple reps, you are their last concern. If thats not the case thats how they make you feel. Anyways this situation could have been 1000 % over with had these fraud reps knew how to communicate and request proper documentation. If they understood what the documentation was thats being requested etc. they are uneducated to the capital one verification process as its now been over 20 days with no resolution to this. Im sick and tired of being given the same runaround prompted answers without getting anywhere with this issue. Please help me before I lose my mind dealing with these incapable reps. Ive even asked for supervisors and all they do is read the same prompts the reps have. Its more than ridiculous at this point and the fact that this is not being expedited when Ive repeatedly requested to have it expedited is beyond frustrating. I cant even call anymore and deal with these people because of how they make me feel emotionally after constantly having to repeat myself and not getting anywhere with them repeatedly. Its the worst customer service Ive ever experienced. The absolute worst!!!!!!!!!!!!!!!","date_sent_to_company":"2025-06-23T16:50:52.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"96150","tags":null,"has_narrative":true,"complaint_id":"14246061","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-06-23T16:24:52.000Z","state":"CA","company_public_response":null,"sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["I tried using the card again and it was denied I <em>called</em> the number and they said I needed to verify my identity once again. Im thinking okay Ill send my id in while Im on the <em>phone</em> with the rep. Nope, they needed more <em>information</em> from me than any other company Ive done business with. While <em>having</em> to wait up to 10 business days for a response finally 8th business day I received a <em>call</em> back saying we need these documents now."]},"sort":[16.603415,"14246061"]},{"_index":"complaint-public-v1","_id":"2383000","_score":16.574995,"_source":{"product":"Bank account or service","complaint_what_happened":"I opened up an checking account with Citi in XX/XX/XXXX over the phone to sign up for the {$400.00} promotional offer with code XXXX. The offer requires that I open an account before XX/XX/XXXX then deposit {$15000.00} within 30 days of account opening then wait 90 days before the {$400.00} is deposited. During the phone process, I gave the banker the account information from another bank for them to take the {$15000.00} once Citi is ready. When I finally receive the paperwork including the XXXX verification in the mail, I noticed that my name is mispelled XXXX XXXX instead of XXXX XXXX. I crossed that out and corrected it and also call it in. The person over the phone claimed that Citi will have to resend another XXXX in the mail for me to sign and will send me the revised version to my email. However, I did not know that also got my email incorrect ( XXXXXXXXXXXX instead of XXXXXXXXXXXX ). As a result, I did n't receive my XXXX until 2 weeks later. That in addition to the original 2 weeks to receive the paperwork mean 4 weeks has already passed. As soon as I receive the 2nd XXXX, I called in to ask for a fax number for me to fax in the correct form and also send it in via mail as well. Citi claimed after multi days that they did n't receive my fax so I had to fax it in again. After multiple attempts and multiple calls, Citi finally said that they have my XXXX and confirmed that my account was opened. It took another week or two before the {$15000.00} deposit was made using the original instruction from XX/XX/XXXX. I had to call in multiple times but each time the bankers said that the system should process it when it recognize the account has been confirmed. During these calls, I had asked about my promo status as I know the deposit would not make it in time. The bankers mentioned that it should not be a problem and that they put notations on the account that it was n't my fault and it was due to an incorrect name in the beginning. Since XX/XX/XXXX after it passes 90 days waiting period and with the bonus still not in my account, I have opened up multiple cases with Citi to get the {$400.00} bonus. Each case was rejected by the back office with the standard argument that I did not deposit the money within the 30 days period. The bankers that pick up the phone agreed with me after looking at my notes but all said that they ca n't communicate directly with the back office ( dispute department ) that handles these cases. The bankers thus kept on putting in new cases for me hoping the back office would read the notes and understand that I had no control over the deposit and that it was delayed due to an error by a Citi banker that opened the account for me.","date_sent_to_company":"2017-03-13T02:23:12.000Z","issue":"Account opening, closing, or management","sub_product":"Checking account","zip_code":"07094","tags":null,"has_narrative":true,"complaint_id":"2383000","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2017-03-13T02:23:11.000Z","state":"NJ","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":["I opened up an checking account with Citi in XX/XX/XXXX <em>over</em> the <em>phone</em> to sign up for the {$400.00} promotional offer with code XXXX. The offer requires that I open an account <em>before</em> XX/XX/XXXX then deposit {$15000.00} within 30 days of account opening then wait 90 days <em>before</em> the {$400.00} is deposited. During the <em>phone</em> process, I gave the banker the account <em>information</em> from another bank for them to take the {$15000.00} once Citi is ready."]},"sort":[16.574995,"2383000"]},{"_index":"complaint-public-v1","_id":"19208893","_score":16.357798,"_source":{"product":"Debt collection","complaint_what_happened":"I found out that there is a new collections account reported on my credit. Naturally, I go look at it to see what it is or what it consists of. I only see the amount and the collection agency. So I proceed to find out information about the agency so I can figure out if this is something I truly owe or not. \nWhen I find the contact information for the collection agency handling this debt, I then call them. The first questions they asked were to verify my identity. Nothing lined up with the information that they had listed. Not my birthdate. Not my social security number. Not my phone number nor email address. Only thing they had that matched my information was my name and old address. \nOnce I called to dispute that this account was fraudulent, they took my information down in a ploy to say they needed contact information from me and they put it on the information for the debt as to update it so it matches my information. Which just seems so predatory to me. Why phrase it as something like that just to do shady business because you may not want to investigate. The information they took was said to be for communications purposes and they would send a dispute form out to me through these channels but I received nothing but a second credit reporting of a collection account with my updated information.\n\nThe account that the debt originated from was not something that I had even remotely purchased. Now my theory is that they had me mixed up with my father because the email had my younger sisters name in it and it was a telephone bill account. I know that my father used to pay for my sisters phone or bought her phone or something of that nature. Plus, I have the same name as him.\n\nAlso, with this company that the original debt is from they require your social security number for credit and if it doesnt have my social on there then how could it be me who opened the account. The theory may be right or wrong, Im not sure just speculating based on where I think the mistake may have originated. Regardless, this account has nothing to do with me. \nMy apologies for I read the bullet points wrong. I thought it said not to include personal information as in only talk about the broader issue. I misread it. So as for the dates of the account listed ; it says either a XXXX account or the collection account was opened on XX/XX/XXXX of XXXX. When I called the company they asked if I had an account with XXXX in XXXX. I have had an XXXX XXXX XXXX phone plan since the early months of XXXX. Before then I had a XXXX XXXX account roughly between XXXX until XXXX. Way before then I had a phone XXXX but I switched over to XXXX  with it. So I dont see where the debt couldve come from. \nThe amount is for {$1900.00}. Which I have bought nothing that would resemble this nor do I even own a phone that costs this much. I have the same phone of 2 years and the phone I had before then was paid for from XXXX XXXX. I even owned a flip phone before so I wouldnt be paying for a phone. \nIve attached the original information provided to me from the collection agency, Jefferson Capital Systems Inc., that contains emails and phone numbers that are not mine. The one that has my updated information, same as the one on this website that I just created to login and make this dispute, is the information given to them when they asked how I wanted to be communicated with about this fraudulent activity. \nIve submitted documents as early as XXXX of XXXX showing that I was with XXXX XXXX XXXX.","date_sent_to_company":"2026-02-03T14:13:07.000Z","issue":"Attempts to collect debt not owed","sub_product":"Telecommunications debt","zip_code":"60629","tags":null,"has_narrative":true,"complaint_id":"19208893","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2026-02-03T13:09:59.000Z","state":"IL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["<em>Before</em> then I had a XXXX XXXX account roughly between XXXX until XXXX. Way <em>before</em> then I had a <em>phone</em> XXXX but I switched <em>over</em> to XXXX  with it. So I dont see where the debt couldve come from. \nThe amount is for {$1900.00}. Which I <em>have</em> bought nothing that would resemble this nor do I even own a <em>phone</em> that costs this much. I <em>have</em> the same <em>phone</em> of 2 years and the <em>phone</em> I had <em>before</em> then was paid for from XXXX XXXX. I even owned a flip <em>phone</em> <em>before</em> so I wouldnt be paying for a <em>phone</em>."]},"sort":[16.357798,"19208893"]},{"_index":"complaint-public-v1","_id":"15921880","_score":16.294872,"_source":{"product":"Debt collection","complaint_what_happened":"Hello, I hope you can help with a troubling bill-collector problem : Ive read that the Fair Debt Collection Practices Act prohibits debt collectors from contacting individuals without having a valid reason to do so. And it says that if a business has failed to send a bill to a former customer, they can not legally send a bill collector to that customer. Thats the first problem : XXXX XXXX XXXX  I HAVE NOT RECEIVED AN UNPAID BILL For months I have been receiving harassing text messages from Radius Global Solutions '' that state only two demanding words : CALL US. Later, they started leaving voice mails too, also demanding, CALL US. I dont follow their demands because XXXX a XXXX woman who recently experienced the distress of having my small online shop being hacked. Ive been trapped in a scam before : The hackers installed malware, my site was blocked and I was accused of hosting malicious spam. It was a nightmare. So now I take no risks especially with a business with an intentionally deceptive-sounding name ( Radius Global Solutions ) along with their ongoing spammy harassing texts and voicemails demanding, CALL US. \nI googled and learned that Radius Global Solution is a bill collector. They demand that I CALL US but their texts dont tell me who they are, what the business is, or the reason why I should contact them, especially as theyre hounding me with never-ending texts and voicemails. I also read that the Fair Debt Collection Practices Act says that the bill-collector must disclose from the very first communication that they're debt-collectors attempting to collect a debt and that they must state that the information obtained will be used to collect a debt. All the information I have is their business name which is deceivingly called Radius Global Solutions ( what do the words radius or global or solutions have to do with debt-collectors? ) and their demand that I CALL US. They have not informed me that they are bill-collectors attempting to collect a debt. ( I only know theyre bill-collectors because I searched and read their many negative reviews from the XXXX XXXX XXXX ) . \nXXXX XXXX XXXX  BY FAILING TO PROVIDE ANY INFORMATION REGARDING WHO THEY ARE AND WHY THEYRE HARASSING ME TRIGGERS RED FLAGS. IM AFRAID TO RESPOND AND AM AFRAID TO OBEY THEIR SPAMMY AND HARASSING CALL US DEMANDS. \nI also read that the XXXX Fair Debt Collection Practices says that the original creditors and their agents may not pursue debt collection unless proper notice has been provided. \n* * * I HAVE NOT BEEN GIVEN PROPER NOTICE. \nI am only sent their never-ending texts and voice mails demanding CALL US which occurs threatening.\n\nAlso, it occurs like spam because they provide zero information, and especially since I have not received a bill from any company showing that I owe a debt.\n\nIve also read that XXXX Fair Debt Collection Practices prohibits debt collectors from contacting individuals without having a valid reason to do so. In addition it says that if a business has not sent a bill to a former customer, the business can not legally send bill-collectors to that customer. \n* * * I HAVE NOT RECEIVED A BILL OR STATEMENT FROM ANY BUSINESS STATING THAT I OWE A DEBT. \n* * * NOTE : XXXX a XXXX old woman and am XXXX  XXXX. I am profoundly deaf so when Radius Global Solutions harasses me with their texts and voicemails insisting that I follow their demand to CALL US, I am physically unable to obey their demands. They tell me I must call them. But they don't tell me any information about a debt, only that I must call them. They do not send a letter or email, The only information they provide is that I must call them. \nIf I were not XXXX  XXXX, as a XXXX woman with no legal knowledge, I would be forced to discuss this complicated ( and apparently improper? ) debt-collector situation over the phone with bill-collectors who provide nothing ( XXXX  ) in writing. I am provided no information, and I dont understand how there could be a debt-collector hounding\n\nme for an unpaid bill that I am unaware of. Even if I had excellent hearing, I would have no ability to discuss over the phone with what occurs as a shady business that demands that I CALL US, but withholds information and doesnt tell me who they are, what their business is, and why I should contact them. I have no information and dont know who the original creditor is. There are so many distressing red flags, Im afraid I might make a wrong step.\n\nI hope this letter makes sense, and if you need clarification, Im more than happy to provide whatever you want.\n\nMany thanks in advance for your help, XXXX XXXX They have not informed me that they are bill-collectors attempting to collect a debt. I only know theyre bill-collectors because I read their alarming XXXX XXXX XXXX many negative reviews.","date_sent_to_company":"2025-09-13T03:12:16.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"94590","tags":"Older American","has_narrative":true,"complaint_id":"15921880","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Radius Global Solutions LLC","date_received":"2025-09-13T02:48:26.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Even if I had excellent hearing, I would <em>have</em> no ability to discuss <em>over</em> the <em>phone</em> with what occurs as a shady business that demands that I <em>CALL</em> US, but withholds <em>information</em> and doesnt tell me who they are, what their business is, and why I should contact them. I <em>have</em> no <em>information</em> and dont know who the original creditor is. There are so many distressing red flags, Im afraid I might make a wrong step."]},"sort":[16.294872,"15921880"]},{"_index":"complaint-public-v1","_id":"9241646","_score":16.25808,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year>, I received a phone call from XXXX at XXXX XXXX. It was a man who stated he was Wells Fargo customer service calling to let me know about a suspected fraudulent charge on my account in the amount of {$700.00}. He asked me to confirm some information, and then HE proceeded to read off my name, address, phone number, and the last 4 digits of my social. He already had all of that information. Then, he started to read off my recent debit transactions and asking me if they were all authorized. He then said Wells Fargo was going to send me a new debit card and that he needed to text me a code to give back to him to authorize the new card. Wells Fargo had asked me read back a code when I had called customer service before, so I didn't think twice, and again, he already had all my information and access to my recent debit transactions. As soon as I hung up, I noticed I had an email stating I had a declined charge. I immediately called Wells Fargo and was told that an initial charge of {$2400.00} was decline, but then the scammer transferred all of my money out of my savings account and into my checking account, and then processed a second transaction for a totally different amount, {$3800.00}, which went through. I told the representative at Wells Fargo that I did not authorize those charges, and they said it was fraud, so I immediately filed a dispute claim over the phone with them. I then immediately went to my county sheriff 's office and filed a police report. I then went to a Wells Fargo branch and spent two hours with a banker changing all of my online banking information, canceling my debit card, and closing all of my accounts and opening all new ones. That same day I also put a freeze on my credit with all three bureaus. At that time I was told it would take XXXX business days to resolve the dispute. On XX/XX/XXXX, I was issued a provisional credit. Not having been told what was happening next, I went to a Wells Fargo branch and talked to the XXXX. She called the claims number, and they said it could take up to XXXX business days. So, I waited the XXXX business days and had not received any further information. I called the claims number myself and was told it could take up to XXXX calendar days. Frustrated, I went again to a Wells Fargo branch and spoke to a banker who called the claims line and was told it would take XXXX business days. Today I received a letter in the mail from Wells Fargo stating my claim was denied because the vendor, XXXX XXXX XXXXXXXX, had supplied compelling evidence that the transaction had occurred. I do not know who XXXX XXXX XXXXXXXX is, can not find anything about them online, and have never done business with them or received any products or services from them. I have had no communication ever with anyone associated with or any business called XXXX XXXX XXXX  I can provide proof of both the declined transaction, the transfer from my savings to checking, and the transaction that went through as well as the police report. Or whatever else is needed. I have been banking with Wells Fargo for over XXXX  years and have only filed one other dispute for {$20.00}. This is clearly fraud, and I don't know what other evidence is needed. I will also be filing a report with the FTC.","date_sent_to_company":"2024-06-12T23:20:09.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"80112","tags":null,"has_narrative":true,"complaint_id":"9241646","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-06-12T22:41:11.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["On XX/XX/year>, I received a <em>phone</em> <em>call</em> from XXXX at XXXX XXXX. It was a man who stated he was Wells Fargo customer service calling to let me know about a suspected fraudulent charge on my account in the amount of {$700.00}. He asked me to confirm some <em>information</em>, and then HE proceeded to <em>read</em> off my name, address, <em>phone</em> number, and the last 4 digits of my social. He already had all of that <em>information</em>."]},"sort":[16.25808,"9241646"]},{"_index":"complaint-public-v1","_id":"1643000","_score":16.200127,"_source":{"product":"Credit card","complaint_what_happened":"Chase is misleadingly using the wording \" Balance Transfer '' to mean everything, not just transferring a balance from one card to another. Nowhere in their terms or fees is this noted. This is completely misleading and a scam to their customers. \n\nThis is a portion of a letter sent to chase and describes the issue at hand : We received courtesy access checks in the mail recently, and as XXXX, we diligently read the terms and conditions very carefully before using any financial product. Everything was clearly spelled out on the concise paperwork provided. I have attached what was in the envelope for your review. We were quite surprised then, after using one of the checks that we received a 3 % \" transaction/service '' fee of {$240.00} on the {$8000.00} check. Immediately upon seeing this on my statement I went through my files to re-read the terms and conditions of the checks, of which I still have. \n\nAbsolutely nowhere on the paperwork provided by Chase was there a mention of a 3 % service fee applying on anything other than balance transfers from other credit cards to Chase. I did n't hesitate in calling the number on the back of my card and after wading through the prompts to finally access a living, breathing representative. She said there was very clearly printed on the checks all the terms and conditions. I kindly let her know I had the checks right in front of me and there was no such print anywhere. She said it was in the paperwork, of which I read her the entire sheet included with the checks proving otherwise and asked to elevate the case. \nI was transferred to a supervisor and placed on hold for over XXXX minutes while \" they brought up my account ''. XXXX ( of which she said she does n't give her last name or even it 's initial ), in XXXX XXXX told me that the terms and conditions clearly stated that I would pay a 3 % or {$5.00} service fee on balance transfers, to which I responded this check did not do. She said that it would have stated on the front of back of the check that anytime I used one I would be charged a 3 % transaction fee, to which I again stated I had the checks in front of me and even read everything they said from top to bottom. There was not even a hint at what they were telling me. She then stated the terms and conditions said a 3 % service fee anytime I used a check, to which I read her the entire box listed \" Interest and Fee Information '' off Chase 's literature included with the checks. Absolutely nowhere does it mention what they were saying was mentioned, nor could they \" access that particular document ''. She said I needed to fax Executive Offices and gave me an address and fax number before ushering me off the phone. \nMy wife called and was given an equally frustrating runaround. She also read the entire document aloud to a representative, XXXX, a supervisor, who also stated she \" could n't locate that particular document '' to verify what my wife read was correct. XXXX stated that she had dealt with this exact issue a \" couple of times recently '', so obviously we are not the only ones who were mislead by your marketing/business practices. After getting the runaround for XXXX or so minutes my wife asked to speak to someone higher and was told XXXX was a supervisor and \" as high as you get over the phone ''. She was then issued a differing address and fax number to the one I received. \nKeep in mind we wrote the check for {$8000.00} on XX/XX/2015 and paid the balance off on it today XX/XX/2015 before calling your representatives. Had it been stated anywhere whatsoever on your paperwork that there was a 3 % fee associated with these checks we would never have written the check. We would like the 3 % \" service fee '' removed from our account as it was never made clear in your terms and conditions that this would be charged on anything but a balance transfer.","date_sent_to_company":"2015-11-06T14:28:29.000Z","issue":"Balance transfer fee","sub_product":null,"zip_code":"078XX","tags":null,"has_narrative":true,"complaint_id":"1643000","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2015-11-06T14:28:28.000Z","state":"NJ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["She then stated the terms and conditions said a 3 % service fee anytime I used a check, to which I <em>read</em> her the entire box listed \" Interest and Fee <em>Information</em> '' off Chase 's literature included with the checks. Absolutely nowhere does it mention what they were saying was mentioned, nor could they \" access that particular document ''. She said I needed to fax Executive Offices and gave me an address and fax number <em>before</em> ushering me off the <em>phone</em>."]},"sort":[16.200127,"1643000"]},{"_index":"complaint-public-v1","_id":"21245888","_score":16.178122,"_source":{"product":"Credit card","complaint_what_happened":"I have been an affirm customer for a decade if not longer. I have never missed any payments or have abused my spending limits. I recently used my virtual card at an outside vendor event held at my business and made a large purchase of cosmetic services for myself ( injectables ) and a tanning booth for my home. My application through affirm was accepted and processed- they then flagged my account for suspicious activity. Customer service told me numerous times that an incorrect pin was used and I would be sent a link to verify my information. A month later, I receive an email that I violated their policies for using my funds as a business loan. They never asked for receipts of any additional information to refute that conclusion and have been giving me the runaround every single. When I call customer service I am transferred XXXX times to then wind up being told that the higher department doesnt take phone calls. There is also NO SUCH policies listed on their website- they in fact have a clause that reads the following ; You will not provide information belonging to any person other than yourself or use an account that belongs to another person for yourself or on behalf of another person, unless you are applying for a business purpose loan and authorized. \n\nThey have also never flagged any such transaction before and admit that it has occurred over the YEARS a total of XXXX times.","date_sent_to_company":"2026-04-14T23:34:34.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"183XX","tags":null,"has_narrative":true,"complaint_id":"21245888","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Affirm Holdings, Inc","date_received":"2026-04-14T23:22:33.000Z","state":"PA","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["They <em>have</em> also never flagged any such transaction <em>before</em> and admit that it has occurred <em>over</em> the YEARS a total of XXXX times."]},"sort":[16.178122,"21245888"]},{"_index":"complaint-public-v1","_id":"5464071","_score":16.135744,"_source":{"product":"Mortgage","complaint_what_happened":"On XX/XX/XXXX I attempted to make a payment for XXXX on the Freedom Mortgages website and received an error message of problem with submission. I called the company and they made a payment with me over the phone. On XX/XX/XXXX, I saw through my bank that two payments for the full mortgage amount were pending. After many hours waiting, being blamed, explaining and reexplaining, dropped calls, hang ups -very unprofessional behavior, I spoke to 2-3 escalations persons. The last one admitted that the gentleman who took my payment didnt read the notes to see the online payment did in fact go through and he processed an additional payment. I also had to call my bank with my mortgage company because they refused to admit a second payment went through. I was told the second payment would be refunded or returned which was. On the XXXX or XXXX of XXXX I saw the mortgage company had requested yet a 3rd payment as it shown pending once again in my online bank account. I went to the bank to confirm in person. The teller confirmed that that there was an additional payment pending. After many phone calls, excessive wait times, hang ups from customer service, and quite unprofessional behavior from Freedom Mortgage representatives, a customer service rep finally said I contacted them before it posted on their side and they said I could cancel the payment. It is unclear as to why this payment went through as I was told different stories by Freedom Mortgage representatives as to why this occurred. One being that the system did it automatically since the second payment made on the XXXX by the representative was returned for not enough funds only to be told that was not true. \n\nOn the XXXX of XXXX I noticed that there was additional monies refunded again from the mortgage company and that I was now delinquent on Freedom Mortgage. I contacted Freedom mortgage who said because I had reversed XXXX payment I was delinquent. This is not how it happened. I tried explaining the timeline and basically told I was lying. I spent an hour or so on the phone urging for her to read the notes and listen to the phone calls because at no point did I request XXXX payment to be reversed. After crying and pleading I was put on hold again after I asked for a manager who I never spoke to. I also asked to speak to the district manager or CEO. At this point I was beyond mentally exhausted from this experience. Until I asked to speak to a manager she stated no notes corroborated with what I was saying. I have asked to speak to a manager on many phone calls only to be told I could not. She then put me on hold for the 5th time to come back to tell me not to worry that the payment I was making once again for XXXX would be back dated and that I would not be reported to the credit bureau. \n\nI called a couple more times to ensure XXXX payment would be backdated and that I would not be reported. \n\nSaturday the XXXX I noticed delinquent account for Freedom Mortgage in XXXX XXXX. I called and was ensured an investigation would be started. On Monday the XXXX I called again as I noticed that there was delinquency reported to XXXX from Freedom Mortgage. \n\nIm XXXX XXXX XXXX XXXX XXXX in my last 2 weeks of school. I have spent more time than anyone should on the phone explaining and waiting over mistakes made by Freedom Mortgage. Customer service representatives frequently hang up on you, they admit they dont care, and supervisors had blatantly lied about the facts. I have become so mentally distraught over this that I have put my professional and educational future in jeopardy. I plan to refinance and remodel my house but now I have false information reported on my credit report. This treatment is inhumane and cruel.","date_sent_to_company":"2022-04-19T04:00:34.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"85022","tags":null,"has_narrative":true,"complaint_id":"5464071","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Freedom Mortgage Company","date_received":"2022-04-19T02:45:00.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I <em>have</em> become so mentally distraught <em>over</em> this that I <em>have</em> put my professional and educational future in jeopardy. I plan to refinance and remodel my house but now I <em>have</em> false <em>information</em> reported on my credit report. This treatment is inhumane and cruel."]},"sort":[16.135744,"5464071"]},{"_index":"complaint-public-v1","_id":"7084860","_score":16.122059,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have had numerous issues with XXXX XXXX over the past XXXX years, including XXXX false charges that I disputed that were kept on the acconunt. The third and most recent one is for {$500.00}. When the charge was present I overpaid the account to cover the charge. I then stopped using the account as I was extremely dissatisfied with the lack of customer service and lack of investigation into my issue. Thus, I am owed this money since I paid the account to keep it current during the dispute. \nI have contested this dispute and provided dozens upon dozens of documents and files with information ; NONE of which were reviewed - my queries were responded to by a chatbox immediately, without sufficient time for a human to read the text or open the documents. I submitted additional information. I have filed complaints before and XXXX does NOT return my phone calls as they promise. I have been calling for over half a year at this point and have not gotten a SINGLE phone call back to discuss this issue. Instead, upon my last complaint, XXXX closed my account, without refunding me any of the false charges from the past XXXX years - the most notable XXXX of which this {$500.00} that was charged in a scam. The fact that XXXX keeps allowing scam charges to appear on accounts and expects people to pay them is straight up theft. Further, XXXX reported this incorrectly to the credit bureaus, which now shows up on my report. In 30 years I have never so much as carried an account balance, let alone paid late or missed a payment, hence my perfect credit score - this must be XXXX 's attempt to make money off of people they wouldn't otherwise be able to make money from. I am beginning to wonder if XXXX is a partner of these scam artists as this is the only way they seem to make money off someone who always pays their bills. Now that my account is closed there is no way to log in or see account info and I am still owed money, yet XXXX is inaccurately reporting it as delinquent. AGAIN, I HAVE CALLED AND WRITTEN TO XXXX  AND CAN NOT GET A SINGLE RESPONSE TO MY CALLS, QUESTIONS, QUERIES, OR COMPLAINTS. The very few times I got someone on the phone after hours of holding they said someone would call me and no one has. They have also given my account information to other users who were removed as authorized users years ago and they claim they were not.","date_sent_to_company":"2023-06-07T15:06:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"28806","tags":null,"has_narrative":true,"complaint_id":"7084860","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-06-07T15:06:48.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I <em>have</em> contested this dispute and provided dozens upon dozens of documents and files with <em>information</em> ; NONE of which were reviewed - my queries were responded to by a chatbox immediately, without sufficient time for a human to <em>read</em> the text or open the documents. I submitted additional <em>information</em>. I <em>have</em> filed complaints <em>before</em> and XXXX does NOT return my <em>phone</em> <em>calls</em> as they promise."],"issue":["Incorrect <em>information</em> on your report"],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[16.122059,"7084860"]},{"_index":"complaint-public-v1","_id":"7084741","_score":16.1208,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have had numerous issues with Discover Card over the past two years, including three false charges that I disputed that were kept on the acconunt. The third and most recent one is for {$500.00}. When the charge was present I overpaid the account to cover the charge. I then stopped using the account as I was extremely dissatisfied with the lack of customer service and lack of investigation into my issue. Thus, I am owed this money since I paid the account to keep it current during the dispute. \nI have contested this dispute and provided dozens upon dozens of documents and files with information ; NONE of which were reviewed - my queries were responded to by a chatbox immediately, without sufficient time for a human to read the text or open the documents. I submitted additional information. I have filed complaints before and Discover does NOT return my phone calls as they promise. I have been calling for over half a year at this point and have not gotten a SINGLE phone call back to discuss this issue. Instead, upon my last complaint, Discover closed my account, without refunding me any of the false charges from the past two years - the most notable one of which this {$500.00} that was charged in a scam. The fact that Discover keeps allowing scam charges to appear on accounts and expects people to pay them is straight up theft. Further, Discover reported this incorrectly to the credit bureaus, which now shows up on my report. In 30 years I have never so much as carried an account balance, let alone paid late or missed a payment, hence my perfect credit score - this must be Discover 's attempt to make money off of people they wouldn't otherwise be able to make money from. I am beginning to wonder if Discover is a partner of these scam artists as this is the only way they seem to make money off someone who always pays their bills. Now that my account is closed there is no way to log in or see account info and I am still owed money, yet Discover is inaccurately reporting it as delinquent. AGAIN, I HAVE CALLED AND WRITTEN TO DISCOVER AND CAN NOT GET A SINGLE RESPONSE TO MY CALLS, QUESTIONS, QUERIES, OR COMPLAINTS. The very few times I got someone on the phone after hours of holding they said someone would call me and no one has. They have also given my account information to other users who were removed as authorized users years ago and they claim they were not.","date_sent_to_company":"2023-06-07T15:06:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"28806","tags":null,"has_narrative":true,"complaint_id":"7084741","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2023-06-07T14:56:28.000Z","state":"NC","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I <em>have</em> contested this dispute and provided dozens upon dozens of documents and files with <em>information</em> ; NONE of which were reviewed - my queries were responded to by a chatbox immediately, without sufficient time for a human to <em>read</em> the text or open the documents. I submitted additional <em>information</em>. I <em>have</em> filed complaints <em>before</em> and Discover does NOT return my <em>phone</em> <em>calls</em> as they promise."],"issue":["Incorrect <em>information</em> on your report"]},"sort":[16.1208,"7084741"]},{"_index":"complaint-public-v1","_id":"8692468","_score":16.120413,"_source":{"product":"Student loan","complaint_what_happened":"All complaints involve Mohela and their handling of auto debit, inaccurate billing statements and multiple miscommunications made over the phone that contradict billing statements XXXX. In XX/XX/XXXX when the loan pause was expected to end my account was in a \" paid ahead status '' because of payments I had made during the pause. I signed up for auto debit in XX/XX/XXXX on Mohela in order to lower my interest rate- however auto debit did not recognize the paid ahead status and instead billed my account for {$990.00} and {$250.00} on XX/XX/XXXX and XX/XX/XXXX respectively. I called Mohela in which they explained the scenario and helped me un-enroll for auto debit and apply for an XXXX plan so that when paid ahead status ended I would be on an appropriate plan. The man I spoke with assured me that my XXXX payments in XXXX would be applied to future payments on the XXXX plan so that I did not pay that high of a rate for no reason ( I have no proof of this and can not find anything in my account indicating this ). I completed over the phone however I never received any documentation of what happened after that phone call so I assumed it was complete. The person on the phone also put my account on an administrative forbearance and submitted to end my paid ahead status. From XXXX XXXX my account remained in a paid ahead status and all bills read that I owed {$0.00}. until XXXX. \n\nXXXX. XX/XX/XXXX I called Mohela again because I had gotten no other updates to my account besides the fact that the administrative forebearance had ended. I got information from an agent that the paid ahead status would end if \" I wrote a detailed letter and faxed it to Mohela ''. At the time I was unsure if I wanted to end my paid ahead status so I decided to wait. She also informed me that my payments would be {$290.00} if I did in fact choose to end my paid ahead status by faxing the letter. \n\nXXXX. XX/XX/XXXX. Without warning I begin receiving billing statements that are due XX/XX/XXXX and XX/XX/XXXX totaling over {$1700.00}. I am clearly confused as I had not yet faxed a letter to end paid ahead status. Also bills should be provided 25 days in advance and not XXXX week. I called Mohela on XXXX XXXX in which I spoke with a trainee who assured me that I do not in fact owe {$1700.00} and instead owe what I had spoken about with the last representative {$290.00}. I asked to see a bill with this amount ( as I have yet to see one ). She assured me she would send me the bill but because of processing time I may not get it for a couple of hours. She assured me that my Mohela account was being updated and that it should reflect the {$290.00} amount by XX/XX/XXXX when the bill would be due. When I later received the bill online to my account it was not what we had spoken about- it was a bill for only loan sequence XXXX ( not the remaining XXXX loans ) for {$250.00}. She clearly sent me the closest bill she could find to what I was supposed to be paying and did not actually read it. I refile for an XXXX on the XXXX website because I am feeling nervous that I never got any information confirming my last XXXX  application. \n\nXXXX. XX/XX/XXXX, XXXX I check my account daily since my last contact with Mohela- however it has not changed. The account still reflects that I incorrectly am not on an XXXX and owe over {$1700.00} for XXXX. I call Mohela again, the first person states they need a \" senior '' agent and transfer me to another person where I wait over an hour before speaking with someone ( who does not call herself a senior agent ). She places my account on another administrative forbearance so that my most recent XXXX application can be processed and kick in for XX/XX/XXXX. \n\nIt will now be 6 months before I make payments that will count towards XXXX. I have now spent XXXX hrs on the phone in regard to this issue. I have filed multiple XXXX applications and received no information as of this date on their status. I have been accruing interest and making no progress towards XXXX payments due to these delayed processing times.","date_sent_to_company":"2024-04-04T23:22:00.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"11793","tags":null,"has_narrative":true,"complaint_id":"8692468","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2024-04-04T22:42:39.000Z","state":"NY","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["I <em>call</em> Mohela again, the first person states they need a \" senior '' agent and transfer me to another person where I wait <em>over</em> an hour <em>before</em> speaking with someone ( who does not <em>call</em> herself a senior agent ). She places my account on another administrative forbearance so that my most recent XXXX application can be processed and kick in for XX/XX/XXXX. \n\nIt will now be 6 months <em>before</em> I make payments that will count towards XXXX. I <em>have</em> now spent XXXX hrs on the <em>phone</em> in regard to this issue."],"sub_issue":["Received bad <em>information</em> about your loan"]},"sort":[16.120413,"8692468"]},{"_index":"complaint-public-v1","_id":"3747714","_score":16.081917,"_source":{"product":"Debt collection","complaint_what_happened":"ERC is the latest collection company XXXX XXXX XXXX has used to take out a collection on me XXXX XXXX XXXX has violated the fair credit reporting act in the fair debt collection practices multiple times against me by having to open collections on me at the same time for the same account for the same account balance with different opening dates one is always active on my credit report while the other is always active on a piece of paper or nonstop phone calls where I am not being given information about what its,? ERC is the latest collection company XXXX XXXX XXXX has used to take out a collection on me XXXX XXXX XXXX has violated the fair credit reporting act in the fair debt collection practices multiple times against me by having to open collections on me at the same time for the same account for the same account balance with different opening dates one is always active on my credit report while the other is always active on a piece of paper or nonstop phone calls where I am not being given information about what its for, ERC placed a credit collection on behalf of XXXX XXXX XXXX on my credit report today XX/XX/2020 They sent me no verification of debt Or any verification whatsoever they place it on my credit report today it has not been on there at all before today the fact is theyre stating that they placed it there earlier than today which is XXXX because I pay to monitor all three credit bureaus 24 seven 365 days a year which for people at ERC which are too stupid to know that thats a whole year idiots, or any verification whatsoever they placed it on my credit report today it has not been on there at all before today the fact is theyre stating that they placed it there earlier than today which is XXXX because I pay to monitor all three credit bureaus 24 seven 365 days a year which for people at ERC which are too stupid to know that thats a whole year idiots They state that they open the account on XX/XX/2020, but yet no Notice was ever sent and nothing was physically opened or on my report until today XX/XX/2020, I read up on ERC and they have had more complaints against them for refusal to validate that and refusal to ever send any notification before listing a debt which is 100 % illegal and is both a violation of the FTC in the FDCP they have done it to multiple people I have seen multiple complaints that equal over 800 complaints for the same thing but yet they are still allowed to stay in business and continue to make these violations why the XXXX are they allowed to get away with it, as well as its kind of funny they say they opened it on XX/XX/2020 when I had another active collection on my report that I got removed two days before they state theirs was opened on my report that I got removed because of the proof I had of the violations for having two active collections at the same time in the same account over and over and over again from XXXX XXXX XXXX. The fact of the matter is XXXX XXXX XXXX continue to charge me for service with them when I switch cell phone providers to another company where XXXX XXXX XXXX was called and told to close the account and nothing was done I have witnesses because I refuse to ever call any company that thinks that kind of XXXX lie so I always have a XXXX witnesses.","date_sent_to_company":"2020-07-16T06:00:13.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"043XX","tags":null,"has_narrative":true,"complaint_id":"3747714","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ERC","date_received":"2020-07-16T01:41:22.000Z","state":"ME","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["The fact of the matter is XXXX XXXX XXXX continue to charge me for service with them when I switch cell <em>phone</em> providers to another company where XXXX XXXX XXXX was <em>called</em> and told to close the account and nothing was done I <em>have</em> witnesses because I refuse to ever <em>call</em> any company that thinks that kind of XXXX lie so I always <em>have</em> a XXXX witnesses."]},"sort":[16.081917,"3747714"]},{"_index":"complaint-public-v1","_id":"12128593","_score":16.077961,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The information belongs to the ones who is reporting it because they are the ones selling all the information to anyone who buys. All the none trustworthy business/corruptions ; Equifax, Experian, Transunion, always blocking and delaying my calls, making it very inconvenient to access report on multiple occasions where calling to get help was impossible if you didn't pay the subscription for services over the years on and off, as I was seeking information about my credit, disputing inaccurate information but they kept on violating the Fair Credit Reporting Act. These company conducted superficial investigations into my disputes and allowed incorrect information to reappear in credit reports over past several years. This mishandling negatively impacted my financial well-being, mental health, it caused great insecurities, homelessness. I was denied a home loan from XXXX XXXX XXXX XXXX, I was denied car loans from several different lenders. I have suffered years upon year desputing the information. My Identity is compromised with wrong addresses, names spellings, phones numbers, and employers, the agengies have shared false and misleading and theft of information, student loans have been disputed several times and ask to remove due to outdated and readded of deleted defaulted loans. I never gave permission to put false information or to use my information against me. U.S. Dept Of Ed Misreporting and Privacy Violantions, reporting of old aged accounts, XXXX, XXXX. XXXX XXXX, XXXX all are inaccurate in fraud they had no right to report that. I have complained here before and they have already had a chance to correct errors and they said they did.","date_sent_to_company":"2025-02-26T20:12:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30349","tags":null,"has_narrative":true,"complaint_id":"12128593","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-20T05:39:02.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I <em>have</em> complained here <em>before</em> and they <em>have</em> already had a chance to correct errors and they said they did."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[16.077961,"12128593"]},{"_index":"complaint-public-v1","_id":"12128471","_score":16.077961,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The information belongs to the ones who is reporting it because they are the ones selling all the information to anyone who buys. All the none trustworthy business/corruptions ; Equifax, Experian, Transunion, always blocking and delaying my calls, making it very inconvenient to access report on multiple occasions where calling to get help was impossible if you didn't pay the subscription for services over the years on and off, as I was seeking information about my credit, disputing inaccurate information but they kept on violating the Fair Credit Reporting Act. These company conducted superficial investigations into my disputes and allowed incorrect information to reappear in credit reports over past several years. This mishandling negatively impacted my financial well-being, mental health, it caused great insecurities, homelessness. I was denied a home loan from XXXX XXXX XXXX XXXX, I was denied car loans from several different lenders. I have suffered years upon year desputing the information. My Identity is compromised with wrong addresses, names spellings, phones numbers, and employers, the agengies have shared false and misleading and theft of information, student loans have been disputed several times and ask to remove due to outdated and readded of deleted defaulted loans. I never gave permission to put false information or to use my information against me. U.S. Dept Of Ed Misreporting and Privacy Violantions, reporting of old aged accounts, XXXX, XXXX. XXXX XXXX, XXXX all are inaccurate in fraud they had no right to report that. I have complained here before and they have already had a chance to correct errors and they said they did.","date_sent_to_company":"2025-02-26T20:12:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30349","tags":null,"has_narrative":true,"complaint_id":"12128471","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-20T05:39:02.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I <em>have</em> complained here <em>before</em> and they <em>have</em> already had a chance to correct errors and they said they did."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[16.077961,"12128471"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":1209,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":1209}]}},"product":{"doc_count":1209,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mortgage","doc_count":260,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":121},{"key":"FHA mortgage","doc_count":68},{"key":"VA mortgage","doc_count":24},{"key":"Other type of mortgage","doc_count":21},{"key":"Conventional fixed mortgage","doc_count":10},{"key":"Home equity loan or line of credit (HELOC)","doc_count":6},{"key":"Conventional adjustable mortgage (ARM)","doc_count":3},{"key":"Home equity loan or line of credit","doc_count":3},{"key":"Other mortgage","doc_count":2},{"key":"Reverse mortgage","doc_count":2}]}},{"key":"Checking or savings 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