{"took":167,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":151,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3646976","_score":15.263855,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I had my identity stolen and information was used to open credit cards and other accounts. I filed a report with the federal trade commission ( FTC ) and a police report. They gave me a report to send to the credit card companies and the credit bureaus. I did as they asked and the cards that were opened fraudulent were removed but except one credit card ( Discover Credit card ). I have filed multiple claims with them to for an investigation and they keep saying its mine even though I sent the Reports. I filed disputes multiple times with the credit bureaus and discover keeps telling them the account is mine. I was not in the country at the time this discover credit card was opened and I have sent discover the travel itinerary also and they still wouldn't belive this account was fraudulent. They keep making excuses that they can't read the itinerary, even though I have sent it to them multiple times via mail/fax/email. \nI got fed up with their negligence and called them again to see how I can have this problem resolved. They advised me on a recorded phone call that if I make a payment to them as a settlement even though this account is not mine that they will remove it from my credit reports. I made the payment to them in the amount of {$630.00}. I called back to check with them if they had updated the information with the credit bureaus. Then I was advised that they the representative had made a mistake by telling me the information about getting rid of this problem and that now since I have made a payment on this account that means that I have accepted responsibility for this account. This is fraud. They are defrauding people such as me. I have been defrauded before for my identity and now I'm being defrauded by discover all over again. I need this matter to be looked into and resolved please. Discover needs to be investigated for this fraudulent action they took with me and false promise. If they remove this account from under my name as they promised i will look into taking further action. Thank you very much for your help and I hope to hear back from you soon.","date_sent_to_company":"2020-05-11T20:56:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"02150","tags":null,"has_narrative":true,"complaint_id":"3646976","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2020-05-11T20:28:24.000Z","state":"MA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I called back to check with them if they had updated the information with the <em>credit</em> <em>bureaus</em>. Then I was advised that they the representative had made a mistake by telling me the information about getting rid of this problem and that now since I have made a <em>payment</em> on this <em>account</em> that means that I have <em>accepted</em> responsibility for this <em>account</em>. This is fraud. They are defrauding people such as me."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on <em>your</em> report"],"sub_product":["<em>Credit</em> reporting"]},"sort":[15.263855,"3646976"]},{"_index":"complaint-public-v1","_id":"2736044","_score":14.652504,"_source":{"product":"Debt collection","complaint_what_happened":"I was sent through a text message on my phone from speedy cash, which I have no dealings with, but the kept trying to contact me. So heres the last harassment : Legal Matter. \n\nRead all case related information carefully we will not able to provide you any information over the phone if you willing to settle this matter out of court call us on listed number. \n\nThree Criminal allegations against your name under Financial Fraud are : - Violation of federal banking rules and regulations. \nTheft by deception Breach the contract with Loan Company The affidavit states that you went online or to the store utilizing your personal information which was track down by anti-fraud department, in order to solicit funds from My client which is XXXX XXXX XXXX.Basically all the loan companies in your state they are working under my client XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX ) so its doesnt matter from which website or from which store you taken out this loan main lender have a rights that they can file complaints and recover outstanding balance in the courthouse. \n\nAs of today rather than chasing you for money XXXX XXXX XXXX has simply decided to write this money as loss & declared to be stolen by you & want to press legal charges on you & on your Social security number. We will be in contact with your current employer & the state credit bureau to garnish your paychecks until the total amount gets paid back to your creditor in full with the interest amount & the late payment charges. \n\nYour Credit score will hit by negative XXXX points & your drivers license will get blocked. \n\nYou do have right to hire an attorney, if you dont have one or you can not afford to have one that shall be appointed to you by the Federal Court, but make sure you have someone to who can bail you out once you lose this case in the county court. \n\nNow this case going to be downloaded in your State County Court and your Local County Sheriff department after that you will be forced to resolve this case legally by facing all the legal problems and spending money on your attorney as fees, case execution charges, legal penalties, bail charges, paper development charges on the top of the due amount that you owe from your creditor that is {$950.00} NOTE : This case is under investigation by the credit bureau so we cant accept your payment from your bank account or your debit card we can only accept EFTS ( Electronic fund transfer system ) payment at this moment so kindly contact on the listed number below to get the information for the XXXX XXXX and XXXX XXXX. \n\n\nXXXX XXXX XXXX XXXX To Remind you, I have never taken any loans out through this company. I have through a different company which is paid off.","date_sent_to_company":"2017-11-21T23:24:45.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"2736044","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CURO Intermediate Holdings","date_received":"2017-11-21T23:10:25.000Z","state":"OH","company_public_response":null,"sub_issue":"Indicated you were committing crime by not paying debt"},"highlight":{"complaint_what_happened":["Now this case going to be downloaded in <em>your</em> State County Court and <em>your</em> Local County Sheriff department after that you will be forced to resolve this case legally by facing all the legal problems and spending money on <em>your</em> attorney as fees, case execution charges, legal penalties, bail charges, paper development charges on the top of the due amount that you owe from <em>your</em> creditor that is {$950.00} NOTE : This case is under <em>investigation</em> by the <em>credit</em> <em>bureau</em> so we <em>cant</em> <em>accept</em> <em>your</em> <em>payment</em> from <em>your</em>"]},"sort":[14.652504,"2736044"]},{"_index":"complaint-public-v1","_id":"5945790","_score":14.412349,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"The Ikea Projekt Card by Comenity account website has been down since I got my card in XX/XX/2022. It was not communicated to me until I got my credit, was approved and used it that I wouldn't be able to access my online account. This is misleading and prevents me from easily paying off my card faster. I can't even double-check my terms online bc I can't access my account. The site is still down 2+ months later and there has been no communication. Ikea is pushing people to Comenity. People are having trouble paying off their balances easily since you need to try by phone. There is also no way to know if late fees are being applied even though they say they will waive them. \n\n\nIkea  is not communicating issues with their credit card system and letting customers blindly sign up without knowing they will be unable to access their account online. \n- Comenity bank should be investigated as we have not been able to access our account for over 2+ months and they have sent NO update to card holders and have communicated nothing. They should be investigated to make sure they are refunding people 's late fees since we can't access accounts and can only pay by mail or see payment dates to \" quick pay '' online but we can't see anything else like our terms, conditions or card agreements. Meaning we don't have access to card agreements except through mail. \n\nIKEA Projekt card has been accepting new applicants all summer even though Comenity Bank website to pay your card, see your balance and access your account online has been down since before XXXX. I signed up for an account and unknowingly I couldn't even access my account online due to technical issues. There has been no update or communication from the bank about these issues other than you can pay by mail or do an XXXX which just shows your balance and payment due date but nothing else. \n\nThere has been no update communication other than \" There is a glitch '' the same FAQs have been on the site since XXXX. Ikea is not helping with the issue and directing users to Comenity who are unable to get in contact with the company. There is no autopay option which puts users are risk for late payments. \n\n\nThere is no message on the website homepage about the technical issue and it makes it look like a user issue when it is not. It says they can't find my account, but when I got to register it says they can. Then I finally see the technical glitch message, The info about it is hidden in the FAQs. People will not understand this and may think it a problem with their info. \n\nBelow is the help content on the website. \n\nQ. What happened? \nA. A complex, planned system update caused our service channels and other capabilities to go out from time to time. We know that the outages have been frustrating and were very sorry for the inconvenience. \n\n\nQ. Can customers make payments? \nA. Were very sorry for your inconvenience and are working to restore full service as quickly as possible. Comenitys Care Center is experiencing outages from time to time and may not be available. Customers can continue to use their cards as usual and, can make a payment using Comenitys XXXX service. \n\n\nQ. Was Comenity Bank hacked? \nA. No, we did not experience a cyber attack of any kind. The servicing issues we are experiencing are the result of a planned system update. Your account information remains secure. Were sorry for any inconvenience this may have caused. \n\n\nQ. What services can be accessed right now? \nA. Customers can continue to use their cards as usual and, subject to additional outages, can make a payment using Comenitys XXXX service Q. How are you going to support customers impacted by this situation? What about late fees? \nA. We are working to ensure a fair resolution for impacted customers. We will communicate to impacted customers by email, statement message and secure message center. Were waiving late fees for customers whose payment due date fell on or between XX/XX/XXXX- XX/XX/2022. Customers dont have to do anything. Those customers inability to make a payment will not affect their credit score. \n\n\nQ. Will I be charged interest on my promotional plan that ended during the outage and I couldnt make a payment? \nA. If you had a promotional plan that expired in XXXX through XX/XX/2022, we are extending the promotional plan expiration date by 30 days. If you have questions or concerns, please call the number on the back of your card or statement for Customer Care. This will allow you the opportunity to pay your promotional plan in full by the new extended expiration date. \n\n\nQ. Are credit bureau updates paused during this time? \nA. We will not report late payments for customers whose payment due date fell on or between XX/XX/XXXX through XX/XX/XXXX. \n\n\nQ. Im not seeing my rewards in Account Center. Why?\n\nA. We are currently updating our systems and you may see a delay loading your rewards. Your account will be updated to reflect your correct earning activity as soon as possible. We thank you for your patience and apologize for the inconvenience. \n\n\nQ. When can we expect the system to be up and running and problems resolved? \nA. We are working around the clock to restore full service to all accounts impacted. Comenitys Care Center is experiencing outages from time to time and may not be available. Customers can continue to use their cards as usual and can make a payment online using Comenitys XXXX.","date_sent_to_company":"2022-09-03T11:58:22.000Z","issue":"Other features, terms, or problems","sub_product":"Store credit card","zip_code":"046XX","tags":null,"has_narrative":true,"complaint_id":"5945790","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2022-09-03T11:35:38.000Z","state":"ME","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["They should be <em>investigated</em> to make sure they are refunding people 's late fees since we <em>can't</em> access <em>accounts</em> and can only pay by mail or see <em>payment</em> dates to \" quick pay '' online but we <em>can't</em> see anything else like our terms, conditions or card agreements. Meaning we don't have access to card agreements except through mail."],"product":["<em>Credit</em> card or prepaid card"],"sub_product":["Store <em>credit</em> card"]},"sort":[14.412349,"5945790"]},{"_index":"complaint-public-v1","_id":"11085313","_score":13.036222,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This was their letter to me : XXXX XXXX XXXX | XXXX, DE | XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX RE : XXXX XXXX XXXX account ending in XXXX Dear XXXX XXXX : I have received correspondence forwarded to XXXX XXXX  Delaware ( 'Barclays XXXX ) from the Consumer Financial Protection Bureau XXXX I understand your concerns about the above-referenced account, and would like to detail the results of my investigation, following our last conversation. \nIn your correspondence, you shared your concerns over a hold that was placed on your abovereferenced account. You also expressed concern that when you tried to book a flight with XXXX, you were not able to do so. We take security very seriously, and to ensure that actions are not granted to an unauthorized third party, there may be instances when we will need to verify account information. I confirmed that we placed a hold on your above-referenced account on XX/XX/XXXX. On this day, since we were not able to complete an outbound call to verify your transaction attempt with XXXX, we requested for account-verifying documents, such as a utility bill, drivers license, and a clear front and back copy of your Social Security card with a government seal, or the latest 1040 tax form with your signature. We received documents from you and we were able to accept the utility bill and drivers license ; however, as the Social Security card did not have a government seal on it, we were unable to accept it. When we spoke previously, you advised that you were unable to do your taxes for last year as you were not able to view your statements on line due to the security hold. Per your request, we have mailed your XXXX billing statements to the address on file. When you are able to complete the 1040 tax form, the document can be sent to : XXXX XXXX XXXXXXXX XXXX, DE XXXX Fax : XXXX Once received, the documents may take 7 to10 business days for processing. If you wish to verify that the documents have been received, you may contact XXXX, Monday through Friday from XXXX to XXXX XXXX. \nIn your correspondence, you also advised that you made a payment for {$200.00} that did not post to your account, which caused your account to become past due. After receiving your recent proof of payment, we were able to locate the payment of {$200.00} and backdated it to the original receipt date of XX/XX/XXXX. Additionally, we have credited back {$4.00} in interest charges, which reflected in your XX/XX/XXXX billing statement. \nYou also shared your concerns over a credit line decrease that occurred on the account. As part of our account-management process, we periodically monitor accounts, as well as overall credit history, and may take action based on this monitoring. I confirmed that on XX/XX/XXXX, we decided to lower your credit line from {$15000.00} to {$3700.00} and we sent a letter to you about this change, which is I have enclosed for your records. As stated in the terms of your Cardmember Agreement, we reserve the right to decrease your credit line at any time, without prior notification. Unfortunately, at this time we would not be able to consider an increase until your overall debt is brought down.\n\nI understand your concerns regarding your FICO Score ; however, your FICO Score is not modified or validated by XXXX. \nWhen we spoke, you mentioned that you had been affected by XXXX XXXX. You also advised that you were not going to make a payment for two months until your issues had been resolved. At that time, I advised that we could enroll your account in our Payment Relief Program. This program allows you to skip 2 consecutive minimum monthly payments. At this time, you can receive this payment relief only once per account, up to a maximum of 2 months. We will continue to send you billing statements during the enrollment of the program. The minimum payment due will still appear on your statement even though you do not need to make a payment. Interest will continue to accrue in accordance with the terms of your account ; therefore, increasing the account balance. If your account was current, and in good standing, at the time you enrolled in the Payment Relief Program, we will continue to report your account as current to the credit bureaus. If your account was delinquent at the time of enrollment in the program, we will continue to report your account at that stage of delinquency to the credit bureaus. Once your participation in the program ends, you will need to resume making the monthly minimum payment due, according to your account terms. This will include any past due payments that existed at the time we granted you this relief. Your account is now enrolled in this Payment Relief Program. As your account was showing that a minimum payment had not been met for your XX/XX/XXXX, due date, the relief was backdated to cover your XX/XX/XXXX due date and your XX/XX/XXXX, due date. The next payment due will be on XX/XX/XXXX. When you log in to your account online, there is an enrollment banner along with your enrollment end date. \nIn your correspondence, you requested for compensation and points. Respectfully, we decline to honor this request. \nYou also expressed concerns about the possibility that discrimination occurred. We assure you that this is not the case, and that XXXX XXXX  Delaware fully complies with the Equal Credit Opportunity Act, as well as all other applicable consumer protection laws. Customer service is very important to us. I'm sorry we did not meet your servicing expectations. \nIf you have questions, please call me at XXXX. My office hours are XXXX XXXX  to XXXX XXXX  PT, Monday through Friday. \nSincerely, XXXX XXXX of the President Enclosure CC : Consumer Financial Protection Burea And this was my response : Dear XXXX XXXX, I am writing in response to your letter dated XX/XX/XXXX. I find the resolution and explanation provided unsatisfactory, as it fails to address the significant issues I experienced with your organization. Below, I outline my concerns in greater detail : ________________________________________ 1. Security Hold and Customer Service Treatment When speaking with your customer service representative, I explained that I could not receive outbound calls due to international travel, as they would either go directly to voicemail or not go through. I asked for alternative verification methods such as a text, a callback, an email, or a verification code. Despite this, the representative, after learning my name and location ( XXXX ), responded with hostility, stating, \" I cant help you, '' and abruptly ended the call. \nFive minutes later, I called again and reached another representative who was initially helpful. This person sent me a verification code, which I provided successfully. However, after being placed on hold, this representative returned with a rude and hostile tone. He informed me that my account access would be blocked, my card would be canceled, and I would need to provide excessive documentation, including : A copy of my passport or drivers license. \nA recent utility bill. \nA front and back copy of my Social Security card. \nThis approach was extreme, especially given that the issue was caused by your system wrongfully declining a XXXX transactiontwice. Your organizations actions were punitive rather than supportive, and it is unacceptable to subject customers to such treatment while overseas. Furthermore, these demands for documentation far exceeded what was required when the account was opened, and the situation was clearly not related to fraud or a scheme. \n________________________________________ 2. Request for Back of Social Security Card Your letter mentions that my Social Security card was rejected due to the absence of a government seal on it, and you requested a copy of both the front and back of the card. This raises serious concerns about your internal policies, as : The back of the Social Security card is standard for all issued cards and contains no unique information.\n\nOlder Social Security cards were not issued with government seals or stamps. \nThis demonstrates a lack of knowledge or logic within the policies your team is enforcing. Additionally, I was never asked for my most recent signed 1040 tax form during my initial interactions. This demand was introduced later during our phone calls and in your correspondence, further showcasing inconsistency in your procedures.\n\n________________________________________ 3. Rejection of Valid Government-Issued Identification The rejection of my legal, government-issued Social Security card is deeply concerning. As an American citizen, I provided a legitimate document, which your team refused to accept. This action raises a significant red flag about your practices. If your organization refuses to accept American government-issued documents, I believe it calls into question your eligibility to do business in the United States XXXX and I am considering escalating this matter to the appropriate regulatory bodies. \n________________________________________ 4. Delayed Delivery of Billing Statements Your letter states that, per my request, my XXXX billing statements were mailed to the address on file. However, this process took over three months, causing unnecessary delays in resolving my tax filings. Such inefficiency is unacceptable and demonstrates poor customer service.\n\n________________________________________ 5. FICO Score Impact and Credit Line Reduction While you correctly noted that XXXX does not validate or modify FICO Scores, your actions significantly affected my credit. On XX/XX/XXXX, your organization reduced my credit line from {$15000.00} to {$3700.00} without prior notification. This drastic reduction had an immediate negative impact on my credit utilization ratio. \nAdditionally, your team erroneously reported a 30-day delinquency to the credit bureaus due to delays in processing a {$200.00} payment, which was sent via regular mail and cashed by your third-party processor. This delay, caused entirely by your organization, unfairly affected my credit score. \n________________________________________ 6. Payment Relief Program and Credit Reporting When I informed you that I had been affected by XXXX XXXX, you offered enrollment in the Payment Relief Program, allowing me to skip XXXX consecutive minimum payments. You assured me twice, both in writing and over the phone, that the program would cover my XXXX and XX/XX/XXXX due dates, with the next payment due on XX/XX/XXXX. \nDespite these assurances, you reported a delinquent payment for XX/XX/XXXX, causing my credit score to drop by XXXX points. This breach of trust is unacceptable, and your lack of communication has caused further harm to my credit. \n________________________________________ 7. Request for Compensation I initially requested compensation for the damages and inconvenience caused by your representatives ' actions and your organizations failures. You declined to honor this request. As a result, I am now compelled to pursue legal action to recover damages and will escalate this matter to ensure accountability, including making it a matter of public record if necessary.\n\n________________________________________ 8. Alleged Discrimination Your letter denies any discrimination, yet the behavior of your representatives raises serious concerns. I will insist on a review of the recorded calls between myself and your representatives to determine whether discriminatory practices occurred. This investigation will also ensure compliance with the Equal Credit Opportunity Act and other applicable consumer protection laws. \n________________________________________ I look forward to your timely response. \nSincerely, XXXX XXXX","date_sent_to_company":"2024-12-09T20:19:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32819","tags":"Older American","has_narrative":true,"complaint_id":"11085313","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-09T20:19:23.000Z","state":"FL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["The minimum <em>payment</em> due will still appear on <em>your</em> statement even though you do not need to make a <em>payment</em>. Interest will continue to accrue in accordance with the terms of <em>your</em> <em>account</em> ; therefore, increasing the <em>account</em> balance. If <em>your</em> <em>account</em> was current, and in good standing, at the time you enrolled in the <em>Payment</em> Relief Program, we will continue to report <em>your</em> <em>account</em> as current to the <em>credit</em> <em>bureaus</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on <em>your</em> report"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[13.036222,"11085313"]},{"_index":"complaint-public-v1","_id":"11087255","_score":13.035004,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This was their letter to me : XXXX XXXX XXXX | XXXX, DE | XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX RE : JetBlue Plus Card account ending in XXXX Dear XXXX XXXX : I have received correspondence forwarded to Barclays Bank Delaware ( 'Barclays XXXX ) from the Consumer Financial Protection Bureau XXXX I understand your concerns about the above-referenced account, and would like to detail the results of my investigation, following our last conversation. \nIn your correspondence, you shared your concerns over a hold that was placed on your abovereferenced account. You also expressed concern that when you tried to book a flight with JetBlue, you were not able to do so. We take security very seriously, and to ensure that actions are not granted to an unauthorized third party, there may be instances when we will need to verify account information. I confirmed that we placed a hold on your above-referenced account on XX/XX/XXXX. On this day, since we were not able to complete an outbound call to verify your transaction attempt with JetBlue, we requested for account-verifying documents, such as a utility bill, drivers license, and a clear front and back copy of your Social Security card with a government seal, or the latest 1040 tax form with your signature. We received documents from you and we were able to accept the utility bill and drivers license ; however, as the Social Security card did not have a government seal on it, we were unable to accept it. When we spoke previously, you advised that you were unable to do your taxes for last year as you were not able to view your statements on line due to the security hold. Per your request, we have mailed your XXXX billing statements to the address on file. When you are able to complete the 1040 tax form, the document can be sent to : XXXX XXXX XXXX XXXX, DE XXXX Fax : XXXX Once received, the documents may take 7 to10 business days for processing. If you wish to verify that the documents have been received, you may contact XXXX, Monday through Friday from XXXX to XXXX XXXX. \nIn your correspondence, you also advised that you made a payment for {$200.00} that did not post to your account, which caused your account to become past due. After receiving your recent proof of payment, we were able to locate the payment of {$200.00} and backdated it to the original receipt date of XX/XX/XXXX. Additionally, we have credited back {$4.00} in interest charges, which reflected in your XX/XX/XXXX billing statement. \nYou also shared your concerns over a credit line decrease that occurred on the account. As part of our account-management process, we periodically monitor accounts, as well as overall credit history, and may take action based on this monitoring. I confirmed that on XX/XX/XXXX, we decided to lower your credit line from {$15000.00} to {$3700.00} and we sent a letter to you about this change, which is I have enclosed for your records. As stated in the terms of your Cardmember Agreement, we reserve the right to decrease your credit line at any time, without prior notification. Unfortunately, at this time we would not be able to consider an increase until your overall debt is brought down. \nI understand your concerns regarding your FICO Score ; however, your FICO Score is not modified or validated by Barclays. \nWhen we spoke, you mentioned that you had been affected by Hurricane Milton. You also advised that you were not going to make a payment for two months until your issues had been resolved. At that time, I advised that we could enroll your account in our Payment Relief Program. This program allows you to skip 2 consecutive minimum monthly payments. At this time, you can receive this payment relief only once per account, up to a maximum of 2 months. We will continue to send you billing statements during the enrollment of the program. The minimum payment due will still appear on your statement even though you do not need to make a payment. Interest will continue to accrue in accordance with the terms of your account ; therefore, increasing the account balance. If your account was current, and in good standing, at the time you enrolled in the Payment Relief Program, we will continue to report your account as current to the credit bureaus. If your account was delinquent at the time of enrollment in the program, we will continue to report your account at that stage of delinquency to the credit bureaus. Once your participation in the program ends, you will need to resume making the monthly minimum payment due, according to your account terms. This will include any past due payments that existed at the time we granted you this relief. Your account is now enrolled in this Payment Relief Program. As your account was showing that a minimum payment had not been met for your XX/XX/XXXX, due date, the relief was backdated to cover your XX/XX/XXXX due date and your XX/XX/XXXX, due date. The next payment due will be on XX/XX/XXXX. When you log in to your account online, there is an enrollment banner along with your enrollment end date. \nIn your correspondence, you requested for compensation and points. Respectfully, we decline to honor this request. \nYou also expressed concerns about the possibility that discrimination occurred. We assure you that this is not the case, and that Barclays Bank Delaware fully complies with the Equal Credit Opportunity Act, as well as all other applicable consumer protection laws. Customer service is very important to us. I'm sorry we did not meet your servicing expectations. \nIf you have questions, please call me at XXXX. My office hours are XXXX XXXX to XXXXXXXX XXXX PT, Monday through Friday. \nSincerely, XXXX XXXX of the President Enclosure CC : Consumer Financial Protection Burea And this was my response : Dear XXXX XXXX, I am writing in response to your letter dated XX/XX/XXXX. I find the resolution and explanation provided unsatisfactory, as it fails to address the significant issues I experienced with your organization. Below, I outline my concerns in greater detail : ________________________________________ 1. Security Hold and Customer Service Treatment When speaking with your customer service representative, I explained that I could not receive outbound calls due to international travel, as they would either go directly to voicemail or not go through. I asked for alternative verification methods such as a text, a callback, an email, or a verification code. Despite this, the representative, after learning my name and location ( XXXX ), responded with hostility, stating, \" I cant help you, '' and abruptly ended the call. \nFive minutes later, I called again and reached another representative who was initially helpful. This person sent me a verification code, which I provided successfully. However, after being placed on hold, this representative returned with a rude and hostile tone. He informed me that my account access would be blocked, my card would be canceled, and I would need to provide excessive documentation, including : A copy of my passport or drivers license. \nA recent utility bill. \nA front and back copy of my Social Security card. \nThis approach was extreme, especially given that the issue was caused by your system wrongfully declining a JetBlue transactiontwice. Your organizations actions were punitive rather than supportive, and it is unacceptable to subject customers to such treatment while overseas. Furthermore, these demands for documentation far exceeded what was required when the account was opened, and the situation was clearly not related to fraud or a scheme. \n________________________________________ 2. Request for Back of Social Security Card Your letter mentions that my Social Security card was rejected due to the absence of a government seal on it, and you requested a copy of both the front and back of the card. This raises serious concerns about your internal policies, as : The back of the Social Security card is standard for all issued cards and contains no unique information.\n\nOlder Social Security cards were not issued with government seals or stamps. \nThis demonstrates a lack of knowledge or logic within the policies your team is enforcing. Additionally, I was never asked for my most recent signed 1040 tax form during my initial interactions. This demand was introduced later during our phone calls and in your correspondence, further showcasing inconsistency in your procedures. \n________________________________________ XXXX. Rejection of Valid Government-Issued Identification The rejection of my legal, government-issued Social Security card is deeply concerning. As an American citizen, I provided a legitimate document, which your team refused to accept. This action raises a significant red flag about your practices. If your organization refuses to accept American government-issued documents, I believe it calls into question your eligibility to do business in the United States XXXX and I am considering escalating this matter to the appropriate regulatory bodies. \n________________________________________ 4. Delayed Delivery of Billing Statements Your letter states that, per my request, my XXXX billing statements were mailed to the address on file. However, this process took over three months, causing unnecessary delays in resolving my tax filings. Such inefficiency is unacceptable and demonstrates poor customer service. \n________________________________________ XXXX. FICO Score Impact and Credit Line Reduction While you correctly noted that Barclays does not validate or modify FICO Scores, your actions significantly affected my credit. On XX/XX/XXXX, your organization reduced my credit line from {$15000.00} to {$3700.00} without prior notification. This drastic reduction had an immediate negative impact on my credit utilization ratio. \nAdditionally, your team erroneously reported a 30-day delinquency to the credit bureaus due to delays in processing a {$200.00} payment, which was sent via regular mail and cashed by your third-party processor. This delay, caused entirely by your organization, unfairly affected my credit score. \n________________________________________ 6. Payment Relief Program and Credit Reporting When I informed you that I had been affected by Hurricane Milton, you offered enrollment in the Payment Relief Program, allowing me to skip two consecutive minimum payments. You assured me twice, both in writing and over the phone, that the program would cover my XXXX and XX/XX/XXXX due dates, with the next payment due on XX/XX/XXXX. \nDespite these assurances, you reported a delinquent payment for XX/XX/XXXX, causing my credit score to drop by XXXX points. This breach of trust is unacceptable, and your lack of communication has caused further harm to my credit. \n________________________________________ XXXX. Request for Compensation I initially requested compensation for the damages and inconvenience caused by your representatives ' actions and your organizations failures. You declined to honor this request. As a result, I am now compelled to pursue legal action to recover damages and will escalate this matter to ensure accountability, including making it a matter of public record if necessary. \n________________________________________ XXXX. Alleged Discrimination Your letter denies any discrimination, yet the behavior of your representatives raises serious concerns. I will insist on a review of the recorded calls between myself and your representatives to determine whether discriminatory practices occurred. This investigation will also ensure compliance with the Equal Credit Opportunity Act and other applicable consumer protection laws. \n________________________________________ I look forward to your timely response. \nSincerely, XXXX XXXX","date_sent_to_company":"2024-12-09T20:19:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32819","tags":"Older American","has_narrative":true,"complaint_id":"11087255","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2024-12-09T19:42:38.000Z","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":["The minimum <em>payment</em> due will still appear on <em>your</em> statement even though you do not need to make a <em>payment</em>. Interest will continue to accrue in accordance with the terms of <em>your</em> <em>account</em> ; therefore, increasing the <em>account</em> balance. If <em>your</em> <em>account</em> was current, and in good standing, at the time you enrolled in the <em>Payment</em> Relief Program, we will continue to report <em>your</em> <em>account</em> as current to the <em>credit</em> <em>bureaus</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on <em>your</em> report"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[13.035004,"11087255"]},{"_index":"complaint-public-v1","_id":"11472646","_score":12.8665495,"_source":{"product":"Debt collection","complaint_what_happened":"These are the kinds of emails I'm receiving : From : XXXX XXXX XXXX Date : Fri, XX/XX/XXXX at XXXX Subject : To : Dear Customer, We are still waiting for your payment information. \n\nKindly email us your payment information ASAP. \n\n\nThank You. \n\n\nFrom : Administrative Recovery XXXX Date : Thu, XX/XX/XXXX at XXXX Subject : Update Regarding Your Due Debt/UNPAID To : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX \nTotal Outstanding : - {$1100.00} Dear : City : XXXX XXXX State : Nevada Zip : XXXX As we didn't receive your payment so, we are going to file this case on Monday at your district courthouse, to know the courthouse kindly visit XXXX XXXX XXXX XXXX XXXX with your zip code. You will be served with a notice to appear at your district courthouse in next XXXX business days. \n\nWe are very sorry to say that you are going to be legally prosecuted in the Court House within seven days. Your SSN is put on hold by the US Government, so before the legal charges get really serious against you, we are notifying you about these legal charges. But as we were not able to reach you so we are sending you a final notification Email. Your and since its a legal matter you will need our help, so call us right now to make a payment and freeze down this case. \n\nTotal Outstanding Balance : - {$1100.00} Loan Creditor : XXXX XXXX XXXX XXXX. \n\nAS YOU ARE A DEFAULTER ON THIS CREDIT, UNITED LEGAL INVESTIGATION BUREAU HAS STATED THREE SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION Now, this means a few things for you. If you are under any state probation or payroll we need you to inform your reporting officer or manager about what you have done in the past and what would be the consequences once the case has been downloaded and executed in your name. If we do not hear from you within 48 hours of the date on this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to begin litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred. \n\nThe Factual Basis for the complaints is as follows : You accepted to return the funds from this aforementioned advancement as per contract. \n\nAnd as per the agreement the funds have yet to be returned and the collateral has proven to be null that is to say of no value. \n\nIf you want to resolve this matter then reply back immediately during working hours ( Monday to Friday XXXX XXXX to XXXX XXXX EST ). \n\nNOTE : THIS CASE IS UNDER INVESTIGATION OF CREDIT BUREAU AND FEDERAL TRADE COMMISSION ( FTC ) Dear Debtor, Fraudulent customers like you don't deserve any type of sympathy from the company side. \n\nSent you lots of emails but you did not respond to any of our emails.\n\nYou can't even imagine what legal consequences you will be facing. You might lose all your money at once and your credit report will be thrashed, your bank account will be frozen and your current Employer should also get notified, you might lose your job also.\n\nNow it's up to you to settle your case file outside the courthouse, else by tomorrow the case will be downloaded and you will be sent court summons to your postal address.\n\nWe apologize for using these harsh languages but you have forced us to use these languages. \n\nIf you cooperate with us, we can resolve it out of the courthouse. \n\nKindly get back to us ASAP. \n\n\nBest Regards.","date_sent_to_company":"2025-01-10T16:55:27.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"I do not know","zip_code":"89015","tags":null,"has_narrative":true,"complaint_id":"11472646","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CCF Intermediate Holdings LLC","date_received":"2025-01-10T16:40:07.000Z","state":"NV","company_public_response":null,"sub_issue":"Threatened to sue you for very old debt"},"highlight":{"complaint_what_happened":["NOTE : THIS CASE IS UNDER <em>INVESTIGATION</em> OF <em>CREDIT</em> <em>BUREAU</em> AND FEDERAL TRADE COMMISSION ( FTC ) Dear Debtor, Fraudulent customers like you don't deserve any type of sympathy from the company side. \n\nSent you lots of emails but you did not respond to any of our emails.\n\nYou <em>can't</em> even imagine what legal consequences you will be facing."]},"sort":[12.8665495,"11472646"]},{"_index":"complaint-public-v1","_id":"2829504","_score":11.797186,"_source":{"product":"Debt collection","complaint_what_happened":"I received the following e-mail message on XX/XX/2018 from XXXX XXXX ( XXXX ) Important : -Read everything about your case file before you call us. We are not going to provide you any information over the phone call have to read all information before you call us so you can understand what is the case is all about. \n\nThree Criminal allegations against your name under Financial Fraud are : - 1 ) Violation of federal banking rules and regulations.\n\n2 ) Theft by deception 3 ) Breach the contract with Loan Company The affidavit states that you XXXXX, XXXXX went online or to the store utilizing your personal information which was track down by anti-fraud department, in order to solicit funds from My client which is XXXX   XXXX XXXX Basically all the loan companies in your state UT they are working under my client XXXX XXXX XXXX (  XXXX  , XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX ) so its doesnt matter from which website or from which store you taken out this loan main lender have a rights that they can file complaints and recover outstanding balance in the courthouse. \n\nAs of today rather than chasing you for money XXXX XXXX XXXX has simply decided to write this money as loss & declared to be stolen by you & want to press legal charges on you & on your Social security number. We will be in contact with your current employer & the state credit bureau to garnish your paychecks until the total amount gets paid back to your creditor in full with the interest amount & the late payment charges. \n\nYour Credit score will hit by negative XXXX points & your drivers license will get blocked. \nYou do have right to hire an attorney, if you dont have one or you can not afford to have one that shall be appointed to you by the Federal Court, but make sure you have someone to who can bail you out once you lose this case in the county court.\n\nNow this case going to be downloaded in your State County Court and your Local County Sheriff department after that you will be forced to resolve this case legally by facing all the legal problems and spending money on your attorney as fees, case execution charges, legal penalties, bail charges, paper development charges on the top of the due amount that you owe from your creditor that is {$730.00} you don't have option to set up payment arrangement so don't ask for any arrangement we can only accept full payment of {$730.00} if you want to resolve this case out of court. \n\nNOTE : This case is under investigation by the Local police department and arrest warrant has been already issued by local police department so we cant accept your payment from your bank account or your debit card you can pay this balance is full by the EFTS ( Electronic fund transfer system ) contact us to get information for XXXX and XXXX XXXX to our financial Department Attorney : XXXX XXXX Phone : ( XXXX ) XXXX XXXX Frequently ask question ( FAQ ) ( Must Read if you don't understand what is this case about ) Q 1 : What this is all about?\n\nA 1 : You can read legal court notice so you can understand what is this case regards to Q 2 : I never receive any money from XXXX XXXX XXXX. \n\nA 2 : XXXX XXXX XXXX is financial institute who handling all child finance company in USA ( more than 1397 company ) so if you applied for loan online or if you taken out funds from store actual funds coming from the XXXX XXXX XXXX. \n\n\n\nQ 3 : What options I do have?\n\nA 3 : If you have an attorney you can tell your attorney to give me a call back so we can discuss this matter in legal term. If you want to resolve this case you can follow payment instruction to pay this amount back to client outside of courthouse.\n\nQ 4 : Why the amount is higher than the amount I owe?\n\nA 4 : Because this amount we mention is included outstanding balance, rate of interest ( XXXX  % ), late fee, court paperwork charges, Credit adjustment charges and warrant cancellation fees Q 5 : Why Im sending these funds to you?\n\nA 5 : Because under section 13B of united state law all communication between you and the client has been seized and they declared you as a defaulter our client ready to recollect this amount from you with legal court procedure so we are the mediator between you and the client. \n\nClick here to unsubscribe","date_sent_to_company":"2018-03-01T08:59:27.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Payday loan debt","zip_code":"76137","tags":null,"has_narrative":true,"complaint_id":"2829504","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CURO Intermediate Holdings","date_received":"2018-03-01T03:44:54.000Z","state":"TX","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["NOTE : This case is under <em>investigation</em> by the Local police department and arrest warrant has been already issued by local police department so we <em>cant</em> <em>accept</em> <em>your</em> <em>payment</em> from <em>your</em> bank <em>account</em> or <em>your</em> debit card you can pay this balance is full by the EFTS ( Electronic fund transfer system ) contact us to get information for XXXX and XXXX XXXX to our financial Department Attorney : XXXX XXXX Phone : ( XXXX ) XXXX XXXX Frequently ask question ( FAQ ) ( Must Read if you don't understand what is this"],"sub_issue":["Threatened or suggested <em>your</em> <em>credit</em> would be damaged"]},"sort":[11.797186,"2829504"]},{"_index":"complaint-public-v1","_id":"10056826","_score":11.745918,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, This letter is a formal demand for immediate action regarding the gross inaccuracies present in my consumer credit report. I lawfully obtained these reports under the Fair Credit Reporting Act ( FCRA ), which explicitly mandates that all items must be 100 % accurate, 100 % verifiable, and 100 % completeno exceptions. Furthermore, the Act stipulates that no item may be reported outside the legally allowable period. I am formally demanding that you provide proof that each tradeline is not only 100 % accurate, complete, verifiable, and timely, but that your records fully comply with all federal regulations. Anything less than full compliance will not be tolerated. Specifically, the following tradelines must be addressed immediately, with supporting documentation to prove your compliance with the law, or they must be removed from my report without delay : XXXX - XXXX I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately. \n\nXXXXXXXX XXXX  - XXXX According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of an unknown collection account on my credit report. Also, my personal information was impacted by the XXXX data breach, raising concerns about the accuracy and security of my credit report. I demand the immediate deletion of this unknown collection account from my credit report. \n\nXXXX XXXX  - XXXX The bankruptcy information in my credit file is a result of the unauthorized use of my social security number and other personal details. These accounts do not relate to anything I authorized or participated in. The Federal Trade Commission ( FTC ) is currently investigating the matter. Additionally, the information on my report does not comply with XXXX XXXX credit reporting standards. I have evidence to support my case. Again, I did not consent to the sharing of my non-public information, and the reporting of these items is neither fair nor equitable to me as a consumer. The following legal provisions outline my rights as a consumer : 15 USC 1681 Section 602 A : Establishes my right to privacy. 15 USC 1681 Section 604 A Section 2 : Prohibits a consumer reporting agency from furnishing an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) : States that no consumer reporting agency may include any adverse information that is outdated. 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibits furnishing information known to be inaccurate. \n\nXXXX XXXX - XXXX The bankruptcy information in my credit file is a result of the unauthorized use of my social security number and other personal details. These accounts do not relate to anything I authorized or participated in. The Federal Trade Commission ( FTC ) is currently investigating the matter. Additionally, the information on my report does not comply with XXXX XXXX credit reporting standards. I have evidence to support my case. Again, I did not consent to the sharing of my non-public information, and the reporting of these items is neither fair nor equitable to me as a consumer. The following legal provisions outline my rights as a consumer : 15 USC 1681 Section 602 A : Establishes my right to privacy. 15 USC 1681 Section 604 A Section 2 : Prohibits a consumer reporting agency from furnishing an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) : States that no consumer reporting agency may include any adverse information that is outdated. 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibits furnishing information known to be inaccurate. \n\nBankruptcy - XXXX The bankruptcy information in my credit file is a result of the unauthorized use of my social security number and other personal details. These accounts do not relate to anything I authorized or participated in. The Federal Trade Commission ( FTC ) is currently investigating the matter. Additionally, the information on my report does not comply with XXXX XXXX credit reporting standards. I have evidence to support my case. Again, I did not consent to the sharing of my non-public information, and the reporting of these items is neither fair nor equitable to me as a consumer. The following legal provisions outline my rights as a consumer : 15 USC 1681 Section 602 A : Establishes my right to privacy. 15 USC 1681 Section 604 A Section 2 : Prohibits a consumer reporting agency from furnishing an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) : States that no consumer reporting agency may include any adverse information that is outdated. 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibits furnishing information known to be inaccurate. \n\nXXXX XXXX - XXXX The bankruptcy information in my credit file is a result of the unauthorized use of my social security number and other personal details. These accounts do not relate to anything I authorized or participated in. The Federal Trade Commission ( FTC ) is currently investigating the matter. Additionally, the information on my report does not comply with XXXX XXXX credit reporting standards. I have evidence to support my case. Again, I did not consent to the sharing of my non-public information, and the reporting of these items is neither fair nor equitable to me as a consumer. The following legal provisions outline my rights as a consumer : 15 USC 1681 Section 602 A : Establishes my right to privacy. 15 USC 1681 Section 604 A Section 2 : Prohibits a consumer reporting agency from furnishing an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) : States that no consumer reporting agency may include any adverse information that is outdated. 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibits furnishing information known to be inaccurate. \n\nXXXX - XXXX - FDCPA Section 807 Violation Misleading False Reporting - DELETE! \n\nXXXX XXXX  - XXXX According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of an unknown collection account on my credit report. Also, my personal information was impacted by the XXXX data breach, raising concerns about the accuracy and security of my credit report. I demand the immediate deletion of this unknown collection account from my credit report. \n\nXXXX XXXX - XXXX I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately. \n\nXXXX - XXXX Please send me the docs that prove that I was ever late. If you can't prove that you had proof, you need to remove these late remarks. \n\nListed below are the Inquiries that are being challenged : XXXX XXXX XXXX - XXXX By the Fair Credit Reporting Act, it is required that a creditor be able to verify the written authorization given by the consumer allowing the creditor to review their credit. If you can furnish a copy of a credit application that bears my signature authorizing the disclosure of my credit files, I will accept the inquiry. However, if a signed authorization can not be found, I request that you remove the inquiry from the XXXX main credit bureaus. \n\nXXXX XXXX XXXX - XXXX By the Fair Credit Reporting Act, it is required that a creditor be able to verify the written authorization given by the consumer allowing the creditor to review their credit. If you can furnish a copy of a credit application that bears my signature authorizing the disclosure of my credit files, I will accept the inquiry. However, if a signed authorization can not be found, I request that you remove the inquiry from the XXXX main credit bureaus. \n\nXXXX XXXX XXXX - XXXX By the Fair Credit Reporting Act, it is required that a creditor be able to verify the written authorization given by the consumer allowing the creditor to review their credit. If you can furnish a copy of a credit application that bears my signature authorizing the disclosure of my credit files, I will accept the inquiry. However, if a signed authorization can not be found, I request that you remove the inquiry from the XXXX main credit bureaus. \n\nXXXX XXXX XXXX - XXXX By the Fair Credit Reporting Act, it is required that a creditor be able to verify the written authorization given by the consumer allowing the creditor to review their credit. If you can furnish a copy of a credit application that bears my signature authorizing the disclosure of my credit files, I will accept the inquiry. However, if a signed authorization can not be found, I request that you remove the inquiry from the XXXX main credit bureaus. \n\nXXXX XXXX - XXXX By the Fair Credit Reporting Act, it is required that a creditor be able to verify the written authorization given by the consumer allowing the creditor to review their credit. If you can furnish a copy of a credit application that bears my signature authorizing the disclosure of my credit files, I will accept the inquiry. However, if a signed authorization can not be found, I request that you remove the inquiry from the XXXX main credit bureaus. \n\nXXXX XXXX - XXXX By the Fair Credit Reporting Act, it is required that a creditor be able to verify the written authorization given by the consumer allowing the creditor to review their credit. If you can furnish a copy of a credit application that bears my signature authorizing the disclosure of my credit files, I will accept the inquiry. However, if a signed authorization can not be found, I request that you remove the inquiry from the XXXX main credit bureaus. \n\nXXXX - XXXX By the Fair Credit Reporting Act, it is required that a creditor be able to verify the written authorization given by the consumer allowing the creditor to review their credit. If you can furnish a copy of a credit application that bears my signature authorizing the disclosure of my credit files, I will accept the inquiry. However, if a signed authorization can not be found, I request that you remove the inquiry from the XXXX main credit bureaus. \n\nXXXX  XXXX - XXXX By the Fair Credit Reporting Act, it is required that a creditor be able to verify the written authorization given by the consumer allowing the creditor to review their credit. If you can furnish a copy of a credit application that bears my signature authorizing the disclosure of my credit files, I will accept the inquiry. However, if a signed authorization can not be found, I request that you remove the inquiry from the XXXX main credit bureaus.","date_sent_to_company":"2024-09-09T13:30:53.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"55129","tags":null,"has_narrative":true,"complaint_id":"10056826","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-09T13:30:42.000Z","state":"MN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Specifically, the following tradelines must be addressed immediately, with supporting documentation to prove <em>your</em> compliance with the law, or they must be removed from my report without delay : XXXX - XXXX I am writing to dispute the late <em>payment</em> reported on my <em>credit</em> report. The late <em>payment</em> listed is inaccurate as I have consistently made <em>payments</em> on time. I request that this information be verified with proper documentation."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their <em>investigation</em> did not fix an error on <em>your</em> report"]},"sort":[11.745918,"10056826"]},{"_index":"complaint-public-v1","_id":"10056976","_score":11.737759,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, This letter is a formal demand for immediate action regarding the gross inaccuracies present in my consumer credit report. I lawfully obtained these reports under the Fair Credit Reporting Act ( FCRA ), which explicitly mandates that all items must be 100 % accurate, 100 % verifiable, and 100 % completeno exceptions. Furthermore, the Act stipulates that no item may be reported outside the legally allowable period. I am formally demanding that you provide proof that each tradeline is not only 100 % accurate, complete, verifiable, and timely, but that your records fully comply with all federal regulations. Anything less than full compliance will not be tolerated. Specifically, the following tradelines must be addressed immediately, with supporting documentation to prove your compliance with the law, or they must be removed from my report without delay : XXXX - XXXX I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately. \n\nXXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of an unknown collection account on my credit report. Also, my personal information was impacted by the XXXX data breach, raising concerns about the accuracy and security of my credit report. I demand the immediate deletion of this unknown collection account from my credit report. \n\nXXXX XXXX XXXX XXXX  The bankruptcy information in my credit file is a result of the unauthorized use of my social security number and other personal details. These accounts do not relate to anything I authorized or participated in. The Federal Trade Commission ( FTC ) is currently investigating the matter. Additionally, the information on my report does not comply with Metro 2 credit reporting standards. I have evidence to support my case. Again, I did not consent to the sharing of my non-public information, and the reporting of these items is neither fair nor equitable to me as a consumer. The following legal provisions outline my rights as a consumer : 15 USC 1681 Section 602 A : Establishes my right to privacy. 15 USC 1681 Section 604 A Section 2 : Prohibits a consumer reporting agency from furnishing an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) : States that no consumer reporting agency may include any adverse information that is outdated. 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibits furnishing information known to be inaccurate. \n\nXXXX XXXX XXXX XXXX The bankruptcy information in my credit file is a result of the unauthorized use of my social security number and other personal details. These accounts do not relate to anything I authorized or participated in. The Federal Trade Commission ( FTC ) is currently investigating the matter. Additionally, the information on my report does not comply with Metro 2 credit reporting standards. I have evidence to support my case. Again, I did not consent to the sharing of my non-public information, and the reporting of these items is neither fair nor equitable to me as a consumer. The following legal provisions outline my rights as a consumer : 15 USC 1681 Section 602 A : Establishes my right to privacy. 15 USC 1681 Section 604 A Section 2 : Prohibits a consumer reporting agency from furnishing an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) : States that no consumer reporting agency may include any adverse information that is outdated. 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibits furnishing information known to be inaccurate. \n\nBankruptcy - XXXX The bankruptcy information in my credit file is a result of the unauthorized use of my social security number and other personal details. These accounts do not relate to anything I authorized or participated in. The Federal Trade Commission ( FTC ) is currently investigating the matter. Additionally, the information on my report does not comply with Metro 2 credit reporting standards. I have evidence to support my case. Again, I did not consent to the sharing of my non-public information, and the reporting of these items is neither fair nor equitable to me as a consumer. The following legal provisions outline my rights as a consumer : 15 USC 1681 Section 602 A : Establishes my right to privacy. 15 USC 1681 Section 604 A Section 2 : Prohibits a consumer reporting agency from furnishing an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) : States that no consumer reporting agency may include any adverse information that is outdated. 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibits furnishing information known to be inaccurate. \n\nXXXX XXXX XXXX XXXX The bankruptcy information in my credit file is a result of the unauthorized use of my social security number and other personal details. These accounts do not relate to anything I authorized or participated in. The Federal Trade Commission ( FTC ) is currently investigating the matter. Additionally, the information on my report does not comply with Metro 2 credit reporting standards. I have evidence to support my case. Again, I did not consent to the sharing of my non-public information, and the reporting of these items is neither fair nor equitable to me as a consumer. The following legal provisions outline my rights as a consumer : 15 USC 1681 Section 602 A : Establishes my right to privacy. 15 USC 1681 Section 604 A Section 2 : Prohibits a consumer reporting agency from furnishing an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) : States that no consumer reporting agency may include any adverse information that is outdated. 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibits furnishing information known to be inaccurate. \n\nXXXX XXXX XXXX XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! \n\nXXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of an unknown collection account on my credit report. Also, my personal information was impacted by the XXXX data breach, raising concerns about the accuracy and security of my credit report. I demand the immediate deletion of this unknown collection account from my credit report. \n\nXXXX XXXX XXXX XXXX  I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately. \n\nXXXX XXXX XXXX Please send me the docs that prove that I was ever late. If you can't prove that you had proof, you need to remove these late remarks. \n\nListed below are the Inquiries that are being challenged : XXXX XXXX XXXX XXXX XXXX By the Fair Credit Reporting Act, it is required that a creditor be able to verify the written authorization given by the consumer allowing the creditor to review their credit. If you can furnish a copy of a credit application that bears my signature authorizing the disclosure of my credit files, I will accept the inquiry. However, if a signed authorization can not be found, I request that you remove the inquiry from the three main credit bureaus. \n\nXXXX XXXX XXXX XXXX XXXX By the Fair Credit Reporting Act, it is required that a creditor be able to verify the written authorization given by the consumer allowing the creditor to review their credit. If you can furnish a copy of a credit application that bears my signature authorizing the disclosure of my credit files, I will accept the inquiry. However, if a signed authorization can not be found, I request that you remove the inquiry from the three main credit bureaus. \n\nXXXX XXXX XXXX XXXX XXXX By the Fair Credit Reporting Act, it is required that a creditor be able to verify the written authorization given by the consumer allowing the creditor to review their credit. If you can furnish a copy of a credit application that bears my signature authorizing the disclosure of my credit files, I will accept the inquiry. However, if a signed authorization can not be found, I request that you remove the inquiry from the three main credit bureaus. \n\nXXXX XXXX XXXX XXXX XXXX By the Fair Credit Reporting Act, it is required that a creditor be able to verify the written authorization given by the consumer allowing the creditor to review their credit. If you can furnish a copy of a credit application that bears my signature authorizing the disclosure of my credit files, I will accept the inquiry. However, if a signed authorization can not be found, I request that you remove the inquiry from the three main credit bureaus. \n\nXXXX XXXX XXXX XXXX By the Fair Credit Reporting Act, it is required that a creditor be able to verify the written authorization given by the consumer allowing the creditor to review their credit. If you can furnish a copy of a credit application that bears my signature authorizing the disclosure of my credit files, I will accept the inquiry. However, if a signed authorization can not be found, I request that you remove the inquiry from the three main credit bureaus. \n\nXXXX XXXX XXXX XXXX By the Fair Credit Reporting Act, it is required that a creditor be able to verify the written authorization given by the consumer allowing the creditor to review their credit. If you can furnish a copy of a credit application that bears my signature authorizing the disclosure of my credit files, I will accept the inquiry. However, if a signed authorization can not be found, I request that you remove the inquiry from the three main credit bureaus. \n\nXXXX XXXX XXXX By the Fair Credit Reporting Act, it is required that a creditor be able to verify the written authorization given by the consumer allowing the creditor to review their credit. If you can furnish a copy of a credit application that bears my signature authorizing the disclosure of my credit files, I will accept the inquiry. However, if a signed authorization can not be found, I request that you remove the inquiry from the three main credit bureaus. \n\nXXXX XXXX XXXX XXXX By the Fair Credit Reporting Act, it is required that a creditor be able to verify the written authorization given by the consumer allowing the creditor to review their credit. If you can furnish a copy of a credit application that bears my signature authorizing the disclosure of my credit files, I will accept the inquiry. However, if a signed authorization can not be found, I request that you remove the inquiry from the three main credit bureaus.","date_sent_to_company":"2024-09-09T13:30:33.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"55129","tags":null,"has_narrative":true,"complaint_id":"10056976","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-09T13:19:17.000Z","state":"MN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Specifically, the following tradelines must be addressed immediately, with supporting documentation to prove <em>your</em> compliance with the law, or they must be removed from my report without delay : XXXX - XXXX I am writing to dispute the late <em>payment</em> reported on my <em>credit</em> report. The late <em>payment</em> listed is inaccurate as I have consistently made <em>payments</em> on time. I request that this information be verified with proper documentation."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their <em>investigation</em> did not fix an error on <em>your</em> report"]},"sort":[11.737759,"10056976"]},{"_index":"complaint-public-v1","_id":"10055503","_score":11.737759,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, This letter is a formal demand for immediate action regarding the gross inaccuracies present in my consumer credit report. I lawfully obtained these reports under the Fair Credit Reporting Act ( FCRA ), which explicitly mandates that all items must be 100 % accurate, 100 % verifiable, and 100 % completeno exceptions. Furthermore, the Act stipulates that no item may be reported outside the legally allowable period. I am formally demanding that you provide proof that each tradeline is not only 100 % accurate, complete, verifiable, and timely, but that your records fully comply with all federal regulations. Anything less than full compliance will not be tolerated. Specifically, the following tradelines must be addressed immediately, with supporting documentation to prove your compliance with the law, or they must be removed from my report without delay : XXXX - XXXX I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately. \n\nXXXX XXXX  - XXXX According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of an unknown collection account on my credit report. Also, my personal information was impacted by the Equifax data breach, raising concerns about the accuracy and security of my credit report. I demand the immediate deletion of this unknown collection account from my credit report. \n\nXXXX XXXX  - XXXX The bankruptcy information in my credit file is a result of the unauthorized use of my social security number and other personal details. These accounts do not relate to anything I authorized or participated in. The Federal Trade Commission ( FTC ) is currently investigating the matter. Additionally, the information on my report does not comply with XXXX XXXX credit reporting standards. I have evidence to support my case. Again, I did not consent to the sharing of my non-public information, and the reporting of these items is neither fair nor equitable to me as a consumer. The following legal provisions outline my rights as a consumer : 15 USC 1681 Section 602 A : Establishes my right to privacy. 15 USC 1681 Section 604 A Section 2 : Prohibits a consumer reporting agency from furnishing an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) : States that no consumer reporting agency may include any adverse information that is outdated. 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibits furnishing information known to be inaccurate. \n\nXXXX XXXX - XXXX The bankruptcy information in my credit file is a result of the unauthorized use of my social security number and other personal details. These accounts do not relate to anything I authorized or participated in. The Federal Trade Commission ( FTC ) is currently investigating the matter. Additionally, the information on my report does not comply with XXXX XXXX credit reporting standards. I have evidence to support my case. Again, I did not consent to the sharing of my non-public information, and the reporting of these items is neither fair nor equitable to me as a consumer. The following legal provisions outline my rights as a consumer : 15 USC 1681 Section 602 A : Establishes my right to privacy. 15 USC 1681 Section 604 A Section 2 : Prohibits a consumer reporting agency from furnishing an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) : States that no consumer reporting agency may include any adverse information that is outdated. 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibits furnishing information known to be inaccurate. \n\nBankruptcy - XXXX The bankruptcy information in my credit file is a result of the unauthorized use of my social security number and other personal details. These accounts do not relate to anything I authorized or participated in. The Federal Trade Commission ( FTC ) is currently investigating the matter. Additionally, the information on my report does not comply with XXXX XXXX credit reporting standards. I have evidence to support my case. Again, I did not consent to the sharing of my non-public information, and the reporting of these items is neither fair nor equitable to me as a consumer. The following legal provisions outline my rights as a consumer : 15 USC 1681 Section 602 A : Establishes my right to privacy. 15 USC 1681 Section 604 A Section 2 : Prohibits a consumer reporting agency from furnishing an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) : States that no consumer reporting agency may include any adverse information that is outdated. 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibits furnishing information known to be inaccurate. \n\nXXXX XXXX - XXXX The bankruptcy information in my credit file is a result of the unauthorized use of my social security number and other personal details. These accounts do not relate to anything I authorized or participated in. The Federal Trade Commission ( FTC ) is currently investigating the matter. Additionally, the information on my report does not comply with XXXX XXXX credit reporting standards. I have evidence to support my case. Again, I did not consent to the sharing of my non-public information, and the reporting of these items is neither fair nor equitable to me as a consumer. The following legal provisions outline my rights as a consumer : 15 USC 1681 Section 602 A : Establishes my right to privacy. 15 USC 1681 Section 604 A Section 2 : Prohibits a consumer reporting agency from furnishing an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) : States that no consumer reporting agency may include any adverse information that is outdated. 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibits furnishing information known to be inaccurate. \n\nXXXX  - XXXX - FDCPA Section 807 Violation Misleading False Reporting - DELETE! \n\nXXXX XXXX - XXXX According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of an unknown collection account on my credit report. Also, my personal information was impacted by the Equifax data breach, raising concerns about the accuracy and security of my credit report. I demand the immediate deletion of this unknown collection account from my credit report. \n\nXXXX XXXX  - XXXX I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately. \n\nXXXX - XXXX Please send me the docs that prove that I was ever late. If you can't prove that you had proof, you need to remove these late remarks. \n\nListed below are the Inquiries that are being challenged : XXXX XXXX XXXX - XXXX By the Fair Credit Reporting Act, it is required that a creditor be able to verify the written authorization given by the consumer allowing the creditor to review their credit. If you can furnish a copy of a credit application that bears my signature authorizing the disclosure of my credit files, I will accept the inquiry. However, if a signed authorization can not be found, I request that you remove the inquiry from the XXXX main credit bureaus. \n\nXXXX XXXX XXXX - XXXX By the Fair Credit Reporting Act, it is required that a creditor be able to verify the written authorization given by the consumer allowing the creditor to review their credit. If you can furnish a copy of a credit application that bears my signature authorizing the disclosure of my credit files, I will accept the inquiry. However, if a signed authorization can not be found, I request that you remove the inquiry from the XXXX main credit bureaus. \n\nXXXX XXXX XXXX - XXXX By the Fair Credit Reporting Act, it is required that a creditor be able to verify the written authorization given by the consumer allowing the creditor to review their credit. If you can furnish a copy of a credit application that bears my signature authorizing the disclosure of my credit files, I will accept the inquiry. However, if a signed authorization can not be found, I request that you remove the inquiry from the XXXX main credit bureaus. \n\nXXXX XXXX XXXX - XXXX By the Fair Credit Reporting Act, it is required that a creditor be able to verify the written authorization given by the consumer allowing the creditor to review their credit. If you can furnish a copy of a credit application that bears my signature authorizing the disclosure of my credit files, I will accept the inquiry. However, if a signed authorization can not be found, I request that you remove the inquiry from the XXXX main credit bureaus. \n\nXXXX XXXX - XXXX By the Fair Credit Reporting Act, it is required that a creditor be able to verify the written authorization given by the consumer allowing the creditor to review their credit. If you can furnish a copy of a credit application that bears my signature authorizing the disclosure of my credit files, I will accept the inquiry. However, if a signed authorization can not be found, I request that you remove the inquiry from the XXXX main credit bureaus. \n\nXXXX XXXX - XXXX By the Fair Credit Reporting Act, it is required that a creditor be able to verify the written authorization given by the consumer allowing the creditor to review their credit. If you can furnish a copy of a credit application that bears my signature authorizing the disclosure of my credit files, I will accept the inquiry. However, if a signed authorization can not be found, I request that you remove the inquiry from the XXXX main credit bureaus. \n\nXXXX - XXXX By the Fair Credit Reporting Act, it is required that a creditor be able to verify the written authorization given by the consumer allowing the creditor to review their credit. If you can furnish a copy of a credit application that bears my signature authorizing the disclosure of my credit files, I will accept the inquiry. However, if a signed authorization can not be found, I request that you remove the inquiry from the XXXX main credit bureaus. \n\nXXXX  XXXX - XXXX By the Fair Credit Reporting Act, it is required that a creditor be able to verify the written authorization given by the consumer allowing the creditor to review their credit. If you can furnish a copy of a credit application that bears my signature authorizing the disclosure of my credit files, I will accept the inquiry. However, if a signed authorization can not be found, I request that you remove the inquiry from the XXXX main credit bureaus.","date_sent_to_company":"2024-09-09T13:30:53.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"55129","tags":null,"has_narrative":true,"complaint_id":"10055503","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-09T13:30:42.000Z","state":"MN","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Specifically, the following tradelines must be addressed immediately, with supporting documentation to prove <em>your</em> compliance with the law, or they must be removed from my report without delay : XXXX - XXXX I am writing to dispute the late <em>payment</em> reported on my <em>credit</em> report. The late <em>payment</em> listed is inaccurate as I have consistently made <em>payments</em> on time. I request that this information be verified with proper documentation."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their <em>investigation</em> did not fix an error on <em>your</em> report"]},"sort":[11.737759,"10055503"]},{"_index":"complaint-public-v1","_id":"10307474","_score":11.732634,"_source":{"product":"Credit card","complaint_what_happened":"To the Financial Protection Bureau Team, I have been a loyal American Express Platinum Card HoldeXXXX since XXXX and hold an American Express BLUE card. These accounts are crucial for my work-related travel, and I have relied heavily on AMEXs Concierge service. \n\nI communicate regularly with American Express and have always been diligent in managing my accounts. As an XXXX, I insist on receiving paper statements and communications from all financial institutions to keep thorough records. Digital communication and automatic payments have caused terrible issues in the past. \n\nI have impeccably made timely payments this year, often exceeding the minimum due. Despite a {$7000.00} XXXX XXXX  in XX/XX/XXXX, I still paid nearly {$2800.00} towards my Platinum Card to keep my accounts in good standing. \n\nHowever, on XX/XX/XXXX, at XXXX XXXX, I received an email from AMEX stating they were reducing my Platinum Card credit limit, causing me, artificially, to exceed the limit by over {$5000.00}. The due date for this amount is XX/XX/XXXX, leaving me with no time to address the issue. \n\nThis feels like a predatory practice. AMEXs sudden decision, especially after the Federal Reserve lowered interest rates, seems retaliatory. Despite my impeccable payment history, they reduced my credit limit without warning, making it appear that I am irresponsible with my spending. \n\nWhen I sought an explanation, AMEXs response was dismissive and condescending. They sent the email before business hours ( XXXX XXXX XXXX ), blindsiding me. I went to bed with a healthy account and woke up to a maxed-out card and a demand for {$5000.00}. \n\nI believe AMEX is exploiting me with what looks like a fundamental policy decision. They know I can pay more than the minimum due and have manipulated facts to fit the narrative they wish to use with my account to force a large payment. This tactic feels abusive and discriminatory, possibly due to my age or XXXX surname. The tone of voice of the XXXX agents I tried to talk to supports this possibility ( I kept their names on record since they were unwilling to assist me further or escalate the issue ). \n\nAMEX created this problem. Framing the situation as my fault and suggesting I avoid using my credit limit is not what this problem is. I would accept responsibility and cover my accounts if I were the one to have caused them to go over the limit. I cant help but wonder how many more times they will do this in the future, like if I were to pay what they want today. Isnt this extortion? \n\nAMEX has not addressed the root cause of the issue. Having to pay {$5000.00} by tomorrow is an undue burden not present when I went to bed last night. \n\nI appreciate your time and patience while reviewing my report. I dont know where else I can go, so I urge the Financial Protection Bureau to assist me in investigating this matter and hold AMEX accountable for its predatory practices. \n\nKindly yours, XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-10-01T17:41:02.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"08096","tags":"Older American","has_narrative":true,"complaint_id":"10307474","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-10-01T17:09:05.000Z","state":"NJ","company_public_response":null,"sub_issue":"Credit card company won't increase or decrease your credit limit"},"highlight":{"complaint_what_happened":["I appreciate <em>your</em> time and patience while reviewing my report. I dont know where else I can go, so I urge the Financial Protection <em>Bureau</em> to assist me in <em>investigating</em> this matter and hold AMEX accountable for its predatory practices. \n\nKindly yours, XXXX XXXX XXXX XXXX"],"product":["<em>Credit</em> card"],"issue":["Trouble using <em>your</em> card"],"sub_product":["General-purpose <em>credit</em> card or charge card"],"sub_issue":["<em>Credit</em> card company won't increase or decrease <em>your</em> <em>credit</em> limit"]},"sort":[11.732634,"10307474"]},{"_index":"complaint-public-v1","_id":"3650569","_score":11.5598545,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX is refusing to update the balance on the XXXX XXXX XXXX account to {$0.00} probably because filling up their pockets with XXXX XXXX  's ill gotten money is more important than doing the right thing. \n\nXXXX XXXX  started financing my XXXX XXXX XXXX from XXXX of XXXX at 22 % APR and XXXX $ monthly payment. I have comprehensive insurance coverage on this car with a deductible. On XX/XX/XXXX, I was involved in a hit and run accident. My car was totaled. To XXXX 's glory I am alive even though I have taking medical treatment. By XX/XX/XXXX, XXXX XXXX received a check of {$16000.00} from the insurance, bringing the balance I owe on the car down to {$5700.00}. This balance they are required by NY State Personal Property Laws and Insurance Law to collect as Gap Credit for. They confirmed that I can Gap Insurance but refused to apply the gap insurance to the balance. \nUntil recently, it was showing that I am owing $ 23,000+ on a vehicle I no longer have, they received money from insurance, and they even validated the balance ( of {$23000.00} ) as correct after I disputed the balance with the three credit bureau to be wrong. I mailed with the dispute police accident report, evidence of insurance payment and a copy of payment history ( up until the insurance payment ) indicating the payments were made to THEM XXXX XXXX!!!!!! Yet they lied blatantly that I still owed $ 23,000+ to the three credit bureaus. \nI can't get better credit ; I can't get new car! \n\nThe ugliest part is that I have spoken with the supervisors severally, and they lied to me on record, that yes, they have reported to the credit bureaus the payment has been made!!! How dare them lie blatantly! \nThe credit bureaus because they collect money from the creditors refuses to delete the balance even when there are bunch of hardcore verifiable evidences showing the payments were made. \n\nThe credit bureau collects money from the creditors ( XXXX XXXX ) and accept any report they make on any of their customers even when there are overwhelming evidences indicating that their report is false. When you dispute it, they ( the credit bureaus- the cops ) ask the thief ( XX/XX/XXXX ) to update the report correctly ( return the money they stole ) instead of investigating the documents ( the video evidence showing the thief steal the money ) you sent them. The hardcore evidence is right in their face, but they refuse to amend my credit file to reflect the truth because lining up their pocket is more important than the truth!!!! \n\nAfter the first dispute I made with the three credit bureaus- XXXX , Experian and XXXX , XXXX XXXX lied that the $ 23,000+ balance is correct. I disputed the account and the balance a second time with the insurance payment letter. The three credits bureau brought down the balance to {$3200.00}. \nI continued to call XXXX XXXX  to please updated my credit report to reflect the fact that they received the insurance payment, and that they applied the New York State Gap Insurance which covers whatever my auto insurance company does not cover. They refused. I then went ahead to XXXX and XXXX to make a complaint. Few days after the complaints, a lady who skeptically says she represents XXXX XXXX  left me a voice message with her number. To my utmost surprise, this is the first time I ever received a call from XXXX XXXX  since this who issue started from XX/XX/XXXX of XXXX. I called the lady and she continued to spew lies and lies and deception until the call was over. \n\nIn retaliation for the complaints made on the XXXX  and XXXX platform, XXXX XXXX  began making random adverse, derogatory and negative reports on my credit file with the credit bureaus. My credit score went from XXXX in XXXX to XXXX as today in less than few days ; and XXXX to XXXX in XXXX. They reported that I am owing them $ 7,000+ to XXXX and that I am 60 day late in payment from the thin blue air. I was utterly surprised when I saw that few days ago, they reported to XXXX that I am 30 day late in payment and that the balance is $ 7,000+ two days later, they updated it that I am 90 days late and {$3000.00} in balance. By tomorrow or next, they will dump the whole negative data on my experian in which I currently have XXXX credit score just to mess it up and to destroy me. On top of the pain I am going through from the accident, these heartless destiny destroyers are chasing after me, causing me unimaginable frustration and XXXX. I have barked, begged, yelled, caused to get this resolved to no avail. \nAll these prove a deliberate, demonic and heartless series of actions by XXXX XXXX to frustrate my life and damage my credit file/life. \n\nFor a perspective, log on to XXXX website and XXXX. You will see 100s if not 1000s of heart-wrenching complaints from average American consumers complaining about the same, worse or similar case like mine. No one is holding them accountable and it is bolstering them to continue. \nI don't have any derogatory data on my credit file except for what XXXX XXXX  is dumping in it. \n\nHow can I be 90 day late when I had an accident on the XXXX of XX/XX/XXXX and they received {$16000.00} from the insurance company, + the supposed NY Gap Insurance? \n\nTheir staff and reps are trained to manipulate words, and phrase even legal phrases to lie successfully. So, watchout for a strange term they might coin out in reply. \n\nReferences for Insurance Law, NY Gap Insurance Law, NY Personal Property Law : Insurance Law 1113 ( a ) ( 26 ) New York Personal Property Law 302A ( 2 ) ( McKinney 2006 ) PLEASE AVOID XXXX XXXX. THEY ARE DESTROYERS. ONCE YOU ARE IN, GETTING OUT IS A BIG PROBLEM BECAUSE THEY WON'T WANT YOU TO DO SO. THEY EXPECT YOUR CREDIT TO BE EVER BAD SO YOU CAN BE STUCK WITH THEM AND THEIR RIDICULOUSLY HIGHER INTEREST RATE. ONCE YOU IMPROVE YOUR CREDIT OR WANT TO CHANGE YOUR LENDER, THEY MUST FIND ONE THING OR THE OTHER TO HOLD YOU DOWN AND EVEN USE THIRD PARTIES TO DESTROY YOU. JUST LIKE THEY DID TO ME, MY CREDIT SCORE WENT FROM XXXX TO XXXX IN LESS IN ONE WEEK. THEY KEPT ON REPORTING CONTRADICTING DATA TO MY CREDIT FILE IN DAYS APART JUST TO MAKE SURE MY CREDIT REPUTATION IS DAMAGED. \nSTAY AWAY FROM THEM, YOU ARE WARNED!!!","date_sent_to_company":"2020-05-13T20:45:04.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11422","tags":null,"has_narrative":true,"complaint_id":"3650569","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-05-13T20:45:00.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I mailed with the dispute police accident report, evidence of insurance <em>payment</em> and a copy of <em>payment</em> history ( up until the insurance <em>payment</em> ) indicating the <em>payments</em> were made to THEM XXXX XXXX!!!!!! Yet they lied blatantly that I still owed $ 23,000+ to the three <em>credit</em> <em>bureaus</em>. \nI <em>can't</em> get better <em>credit</em> ; I <em>can't</em> get new car!"],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's <em>investigation</em> into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[11.5598545,"3650569"]},{"_index":"complaint-public-v1","_id":"3650565","_score":11.553082,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Transunion is refusing to update the balance on the XXXX XXXX loan account to {$0.00} probably because filling up their pockets with XXXX XXXX  's ill gotten money is more important than doing the right thing. \n\nXXXX XXXX  started financing my XXXX XXXX XXXX from XXXX of XXXX at 22 % APR and 605 $ monthly payment. I have comprehensive insurance coverage on this car with a deductible. On XX/XX/XXXX, I was involved in a hit and run accident. My car was totaled. To XXXX 's glory I am alive even though I have taking medical treatment. By XX/XX/XXXX, XXXX XXXX received a check of {$16000.00} from the insurance, bringing the balance I owe on the car down to {$5700.00}. This balance they are required by NY State Personal Property Laws and Insurance Law to collect as Gap Credit for. They confirmed that I can Gap Insurance but refused to apply the gap insurance to the balance. \nUntil recently, it was showing that I am owing $ 23,000+ on a vehicle I no longer have, they received money from insurance, and they even validated the balance ( of {$23000.00} ) as correct after I disputed the balance with the three credit bureau to be wrong. I mailed with the dispute police accident report, evidence of insurance payment and a copy of payment history ( up until the insurance payment ) indicating the payments were made to THEM XXXX XXXX!!!!!! Yet they lied blatantly that I still owed $ 23,000+ to the three credit bureaus. \nI can't get better credit ; I can't get new car! \n\nThe ugliest part is that I have spoken with the supervisors severally, and they lied to me on record, that yes, they have reported to the credit bureaus the payment has been made!!! How dare them lie blatantly! \nThe credit bureaus because they collect money from the creditors refuses to delete the balance even when there are bunch of hardcore verifiable evidences showing the payments were made. \n\nThe credit bureau collects money from the creditors ( XXXX XXXX ) and accept any report they make on any of their customers even when there are overwhelming evidences indicating that their report is false. When you dispute it, they ( the credit bureaus- the cops ) ask the thief ( credit acceptance ) to update the report correctly ( return the money they stole ) instead of investigating the documents ( the video evidence showing the thief steal the money ) you sent them. The hardcore evidence is right in their face, but they refuse to amend my credit file to reflect the truth because lining up their pocket is more important than the truth!!!! \n\nAfter the first dispute I made with the three credit bureaus- XXXX , XXXX and Transunion , XXXX XXXX lied that the $ 23,000+ balance is correct. I disputed the account and the balance a second time with the insurance payment letter. The three credits bureau brought down the balance to {$3200.00}. \nI continued to call XXXX XXXX  to please updated my credit report to reflect the fact that they received the insurance payment, and that they applied the New York State Gap Insurance which covers whatever my auto insurance company does not cover. They refused. I then went ahead to XXXX and XXXX to make a complaint. Few days after the complaints, a lady who skeptically says she represents XXXX XXXX  left me a voice message with her number. To my utmost surprise, this is the first time I ever received a call from XXXX XXXX  since this who issue started from XX/XX/XXXX of XXXX. I called the lady and she continued to spew lies and lies and deception until the call was over. \n\nIn retaliation for the complaints made on the XXXX  and XXXX  platform, XXXX XXXX  began making random adverse, derogatory and negative reports on my credit file with the credit bureaus. My credit score went from XXXX in XXXX to XXXX as today in less than few days ; and XXXX to XXXX in Transunion. They reported that I am owing them $ 7,000+ to XXXX and that I am 60 day late in payment from the thin blue air. I was utterly surprised when I saw that few days ago, they reported to Transunion that I am 30 day late in payment and that the balance is $ 7,000+ two days later, they updated it that I am 90 days late and {$3000.00} in balance. By tomorrow or next, they will dump the whole negative data on my experian in which I currently have XXXX credit score just to mess it up and to destroy me. On top of the pain I am going through from the accident, these heartless destiny destroyers are chasing after me, causing me unimaginable frustration and XXXX. I have barked, begged, yelled, caused to get this resolved to no avail. \nAll these prove a deliberate, demonic and heartless series of actions by XXXX XXXX to frustrate my life and damage my credit file/life. \n\nFor a perspective, log on to XXXX website and XXXX. You will see 100s if not 1000s of heart-wrenching complaints from average American consumers complaining about the same, worse or similar case like mine. No one is holding them accountable and it is bolstering them to continue. \nI don't have any derogatory data on my credit file except for what XXXX XXXX  is dumping in it. \n\nHow can I be 90 day late when I had an accident on the XXXX of XX/XX/XXXX and they received {$16000.00} from the insurance company, + the supposed NY Gap Insurance? \n\nTheir staff and reps are trained to manipulate words, and phrase even legal phrases to lie successfully. So, watchout for a strange term they might coin out in reply. \n\nReferences for Insurance Law, NY Gap Insurance Law, NY Personal Property Law : Insurance Law 1113 ( a ) ( 26 ) New York Personal Property Law 302A ( 2 ) ( McKinney 2006 ) PLEASE AVOID XXXX XXXX. THEY ARE DESTROYERS. ONCE YOU ARE IN, GETTING OUT IS A BIG PROBLEM BECAUSE THEY WON'T WANT YOU TO DO SO. THEY EXPECT YOUR CREDIT TO BE EVER BAD SO YOU CAN BE STUCK WITH THEM AND THEIR RIDICULOUSLY HIGHER INTEREST RATE. ONCE YOU IMPROVE YOUR CREDIT OR WANT TO CHANGE YOUR LENDER, THEY MUST FIND ONE THING OR THE OTHER TO HOLD YOU DOWN AND EVEN USE THIRD PARTIES TO DESTROY YOU. JUST LIKE THEY DID TO ME, MY CREDIT SCORE WENT FROM XXXX TO XXXX IN LESS IN ONE WEEK. THEY KEPT ON REPORTING CONTRADICTING DATA TO MY CREDIT FILE IN DAYS APART JUST TO MAKE SURE MY CREDIT REPUTATION IS DAMAGED. \nSTAY AWAY FROM THEM, YOU ARE WARNED!!!","date_sent_to_company":"2020-05-13T20:44:56.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11422","tags":null,"has_narrative":true,"complaint_id":"3650565","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-05-13T20:34:13.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I mailed with the dispute police accident report, evidence of insurance <em>payment</em> and a copy of <em>payment</em> history ( up until the insurance <em>payment</em> ) indicating the <em>payments</em> were made to THEM XXXX XXXX!!!!!! Yet they lied blatantly that I still owed $ 23,000+ to the three <em>credit</em> <em>bureaus</em>. \nI <em>can't</em> get better <em>credit</em> ; I <em>can't</em> get new car!"],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's <em>investigation</em> into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[11.553082,"3650565"]},{"_index":"complaint-public-v1","_id":"3650568","_score":11.548265,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX is refusing to update the balance on the XXXX XXXX XXXX account to {$0.00} probably because filling up their pockets with XXXX   XXXX  's ill gotten money is more important than doing the right thing. \n\nXXXX XXXX  started financing my XXXX XXXX XXXX from XXXX of XXXX at 22 % APR and XXXX $ monthly payment. I have comprehensive insurance coverage on this car with a deductible. OnXX/XX/XXXX, I was involved in a hit and run accident. My car was totaled. To God 's glory I am alive even though I have taking medical treatment. By XX/XX/XXXX, XXXX  XXXX received a check of {$16000.00} from the insurance, bringing the balance I owe on the car down to {$5700.00}. This balance they are required by NY State Personal Property Laws and Insurance Law to collect as Gap Credit for. They confirmed that I can Gap Insurance but refused to apply the gap insurance to the balance. \nUntil recently, it was showing that I am owing $ 23,000+ on a vehicle I no longer have, they received money from insurance, and they even validated the balance ( of {$23000.00} ) as correct after I disputed the balance with the three credit bureau to be wrong. I mailed with the dispute police accident report, evidence of insurance payment and a copy of payment history ( up until the insurance payment ) indicating the payments were made to THEM XXXX XXXX!!!!!! Yet they lied blatantly that I still owed $ 23,000+ to the three credit bureaus. \nI can't get better credit ; I can't get new car! \n\nThe ugliest part is that I have spoken with the supervisors severally, and they lied to me on record, that yes, they have reported to the credit bureaus the payment has been made!!! How dare them lie blatantly! \nThe credit bureaus because they collect money from the creditors refuses to delete the balance even when there are bunch of hardcore verifiable evidences showing the payments were made. \n\nThe credit bureau collects money from the creditors ( XXXX XXXX ) and accept any report they make on any of their customers even when there are overwhelming evidences indicating that their report is false. When you dispute it, they ( the credit bureaus- the cops ) ask the thief ( XXXX XXXX ) to update the report correctly ( return the money they stole ) instead of investigating the documents ( the video evidence showing the thief steal the money ) you sent them. The hardcore evidence is right in their face, but they refuse to amend my credit file to reflect the truth because lining up their pocket is more important than the truth!!!! \n\nAfter the first dispute I made with the three credit bureaus- Equifax , XXXX and XXXX  XXXX XXXX XXXX lied that the $ 23,000+ balance is correct. I disputed the account and the balance a second time with the insurance payment letter. The three credits bureau brought down the balance to {$3200.00}. \nI continued to call XXXX XXXX  to please updated my credit report to reflect the fact that they received the insurance payment, and that they applied the New York State Gap Insurance which covers whatever my auto insurance company does not cover. They refused. I then went ahead to XXXX and XXXX to make a complaint. Few days after the complaints, a lady who skeptically says she represents XXXX XXXX left me a voice message with her number. To my utmost surprise, this is the first time I ever received a call from XXXX XXXX  since this who issue started from XX/XX/XXXX of XXXX. I called the lady and she continued to spew lies and lies and deception until the call was over. \n\nIn retaliation for the complaints made on the XXXX  and XXXX platform, XXXX XXXX  began making random adverse, derogatory and negative reports on my credit file with the credit bureaus. My credit score went from XXXX in equifax to XXXX as today in less than few days ; and XXXX to XXXX in XXXX. They reported that I am owing them $ 7,000+ to Equifax and that I am 60 day late in payment from the thin blue air. I was utterly surprised when I saw that few days ago, they reported to XXXX that I am 30 day late in payment and that the balance is $ 7,000+ two days later, they updated it that I am 90 days late and {$3000.00} in balance. By tomorrow or next, they will dump the whole negative data on my XXXX in which I currently have XXXX credit score just to mess it up and to destroy me. On top of the pain I am going through from the accident, these heartless destiny destroyers are chasing after me, causing me unimaginable frustration and XXXX. I have barked, begged, yelled, caused to get this resolved to no avail. \nAll these prove a deliberate, demonic and heartless series of actions by XXXX XXXX to frustrate my life and damage my credit file/life. \n\nFor a perspective, log on to XXXX website and XXXX. You will see 100s if not 1000s of heart-wrenching complaints from average American consumers complaining about the same, worse or similar case like mine. No one is holding them accountable and it is bolstering them to continue. \nI don't have any derogatory data on my credit file except for what XXXX XXXX is dumping in it. \n\nHow can I be 90 day late when I had an accident on the XXXX of XX/XX/XXXX and they received {$16000.00} from the insurance company, + the supposed NY Gap Insurance? \n\nTheir staff and reps are trained to manipulate words, and phrase even legal phrases to lie successfully. So, watchout for a strange term they might coin out in reply. \n\nReferences for Insurance Law, NY Gap Insurance Law, NY Personal Property Law : Insurance Law 1113 ( a ) ( 26 ) New York Personal Property Law 302A ( 2 ) ( McKinney 2006 ) PLEASE AVOID XXXX XXXX. THEY ARE DESTROYERS. ONCE YOU ARE IN, GETTING OUT IS A BIG PROBLEM BECAUSE THEY WON'T WANT YOU TO DO SO. THEY EXPECT YOUR CREDIT TO BE EVER BAD SO YOU CAN BE STUCK WITH THEM AND THEIR RIDICULOUSLY HIGHER INTEREST RATE. ONCE YOU IMPROVE YOUR CREDIT OR WANT TO CHANGE YOUR LENDER, THEY MUST FIND ONE THING OR THE OTHER TO HOLD YOU DOWN AND EVEN USE THIRD PARTIES TO DESTROY YOU. JUST LIKE THEY DID TO ME, MY CREDIT SCORE WENT FROM XXXX TO XXXX IN LESS IN ONE WEEK. THEY KEPT ON REPORTING CONTRADICTING DATA TO MY CREDIT FILE IN DAYS APART JUST TO MAKE SURE MY CREDIT REPUTATION IS DAMAGED. \nSTAY AWAY FROM THEM, YOU ARE WARNED!!!","date_sent_to_company":"2020-05-13T20:45:04.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11422","tags":null,"has_narrative":true,"complaint_id":"3650568","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-05-13T20:45:00.000Z","state":"NY","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I mailed with the dispute police accident report, evidence of insurance <em>payment</em> and a copy of <em>payment</em> history ( up until the insurance <em>payment</em> ) indicating the <em>payments</em> were made to THEM XXXX XXXX!!!!!! Yet they lied blatantly that I still owed $ 23,000+ to the three <em>credit</em> <em>bureaus</em>. \nI <em>can't</em> get better <em>credit</em> ; I <em>can't</em> get new car!"],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's <em>investigation</em> into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[11.548265,"3650568"]},{"_index":"complaint-public-v1","_id":"3650556","_score":11.480624,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Credit acceptance started financing my XXXX XXXX XXXX from XXXX of XXXX at 22 % APR and XXXX $ monthly payment. I have comprehensive insurance coverage on this car with a deductible. On XX/XX/XXXX, I was involved in a hit and run accident. My car was totaled. To XXXX XXXX glory I am alive even though I have taking medical treatment. By XX/XX/XXXX, Credit Acceptance received a check of {$16000.00} from the insurance, bringing the balance I owe on the car down to {$5700.00}. This balance they are required by NY State Personal Property Laws and Insurance Law to collect as Gap Credit for. They confirmed that I can Gap Insurance but refused to apply the gap insurance to the balance. \nUntil recently, it was showing that I am owing $ XXXX on a vehicle I no longer have, they received money from insurance, and they even validated the balance ( of {$23000.00} ) as correct after I disputed the balance with the three credit bureau to be wrong. I mailed with the dispute police accident report, evidence of insurance payment and a copy of payment history ( up until the insurance payment ) indicating the payments were made to THEM CREDIT ACCEPTANCE!!!!!! Yet they lied blatantly that I still owed $ 23,000+ to the three credit bureaus. \nI can't get better credit ; I can't get new car! \n\nThe ugliest part is that I have spoken with the supervisors severally, and they lied to me on record, that yes, they have reported to the credit bureaus the payment has been made!!! How dare them lie blatantly! \nThe credit bureaus because they collect money from the creditors refuses to delete the balance even when there are bunch of hardcore verifiable evidences showing the payments were made. \n\nThe credit bureau collects money from the creditors ( Credit Acceptance ) and accept any report they make on any of their customers even when there are overwhelming evidences indicating that their report is false. When you dispute it, they ( the credit bureaus- the cops ) ask the thief ( credit acceptance ) to update the report correctly ( return the money they stole ) instead of investigating the documents ( the video evidence showing the thief steal the money ) you sent them. The hardcore evidence is right in their face, but they refuse to amend my credit file to reflect the truth because lining up their pocket is more important than the truth!!!!\n\nAfter the first dispute I made with the three credit bureaus-\nXXXX , XXXX and XXXX , Credit Acceptance lied that the $ 23,000+ balance is correct. I disputed the account and the balance a second time with the insurance payment letter. The three credits bureau brought down the balance to {$3200.00}.\n\nI continued to call Credit Acceptance to please updated my credit report to reflect the fact that they received the insurance payment, and that they applied the New York State Gap Insurance which covers whatever my auto insurance company does not cover. They refused. I then went ahead to XXXX and XXXX  to make a complaint. Few days after the complaints, a lady who skeptically says she represents credit acceptance left me a voice message with her number. To my utmost surprise, this is the first time I ever received a call from credit acceptance since this who issue started from XX/XX/XXXX of XXXX. I called the lady and she continued to spew lies and lies and deception until the call was over. \n\nIn retaliation for the complaints made on the XXXX and XXXX   platform, credit acceptance began making random adverse, derogatory and negative reports on my credit file with the credit bureaus. My credit score went from XXXX in XXXX  to XXXX as today in less than few days ; and XXXX to XXXX in XXXX. They reported that I am owing them $ 7,000+ to XXXX  and that I am 60 day late in payment from the thin blue air. I was utterly surprised when I saw that few days ago, they reported to XXXX that I am 30 day late in payment and that the balance is $ 7,000+ two days later, they updated it that I am 90 days late and {$3000.00} in balance. By tomorrow or next, they will dump the whole negative data on my experian in which I currently have XXXX credit score just to mess it up and to destroy me. On top of the pain I am going through from the accident, these heartless destiny destroyers are chasing after me, causing me unimaginable frustration and XXXX. I have barked, begged, yelled, caused to get this resolved to no avail. \nAll these prove a deliberate, demonic and heartless series of actions by Credit Acceptance to frustrate my life and damage my credit file/life. \n\nFor a perspective, log on to XXXX  website and bbb.org. You will see XXXX if not XXXX of heart-wrenching complaints from average American consumers complaining about the same, worse or similar case like mine. No one is holding them accountable and it is bolstering them to continue. \nI don't have any derogatory data on my credit file except for what credit acceptance is dumping in it. \n\nHow can I be 90 day late when I had an accident on the XXXX of XX/XX/XXXX and they received {$16000.00} from the insurance company, + the supposed NY Gap Insurance? \n\nTheir staff and reps are trained to manipulate words, and phrase even legal phrases to lie successfully. So, watchout for a strange term they might coin out in reply. \n\nReferences for Insurance Law, NY Gap Insurance Law, NY Personal Property Law : Insurance Law 1113 ( a ) ( 26 ) New York Personal Property Law 302A ( 2 ) ( McKinney 2006 ) PLEASE AVOID CREDIT ACCEPTANCE. THEY ARE DESTROYERS. ONCE YOU ARE IN, GETTING OUT IS A BIG PROBLEM BECAUSE THEY WON'T WANT YOU TO DO SO. THEY EXPECT YOUR CREDIT TO BE EVER BAD SO YOU CAN BE STUCK WITH THEM AND THEIR RIDICULOUSLY HIGHER INTEREST RATE. ONCE YOU IMPROVE YOUR CREDIT OR WANT TO CHANGE YOUR LENDER, THEY MUST FIND ONE THING OR THE OTHER TO HOLD YOU DOWN AND EVEN USE THIRD PARTIES TO DESTROY YOU. JUST LIKE THEY DID TO ME, MY CREDIT SCORE WENT FROM XXXX TO XXXX IN LESS IN ONE WEEK. THEY KEPT ON REPORTING CONTRADICTING DATA TO MY CREDIT FILE IN DAYS APART JUST TO MAKE SURE MY CREDIT REPUTATION IS DAMAGED. \nSTAY AWAY FROM THEM, YOU ARE WARNED!!!","date_sent_to_company":"2020-05-13T20:32:30.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Loan","zip_code":"11422","tags":null,"has_narrative":true,"complaint_id":"3650556","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CREDIT ACCEPTANCE CORPORATION","date_received":"2020-05-13T19:48:09.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Unable to receive car title or other problem after the loan is paid off"},"highlight":{"complaint_what_happened":["I mailed with the dispute police accident report, evidence of insurance <em>payment</em> and a copy of <em>payment</em> history ( up until the insurance <em>payment</em> ) indicating the <em>payments</em> were made to THEM <em>CREDIT</em> ACCEPTANCE!!!!!! Yet they lied blatantly that I still owed $ 23,000+ to the three <em>credit</em> <em>bureaus</em>. \nI <em>can't</em> get better <em>credit</em> ; I <em>can't</em> get new car!"],"company":["<em>CREDIT</em> ACCEPTANCE CORPORATION"]},"sort":[11.480624,"3650556"]},{"_index":"complaint-public-v1","_id":"6153448","_score":11.4620075,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX. XXXX NC XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX TransUnion, On XXXX I filed a dispute through the Consumer Financial Protection Bureau XXXX CFPB ) dispute/complaint # XXXX. You responded on XX/XX/XXXX with a letter willfully failing to comply with the requirements imposed by XXXX  under the FCRA ( see attachment A ). Your attached letter was a summary of someones payment history your furnishing on my consumer report stating verified as accurate. In my complaint I specifically addressed two fraudulent accounts furnishing on my consumer report by your company. ( XXXX XXXX ) This unbeknownst furnishing of said fraudulent accounts on my consumer report is a grave invasion of my privacy which is also a blatant violation of my consumer rights laid out by Congress. 15 USC 1681 ( a ) ( 4 ) States there is a need to insure that consumers reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect to the consumers rights to privacy. This clearly states theres a need for you the consumer reporting agencies to exercise your grave responsibility to insure my right to privacy. Especially in this grave time, with all the scrutiny of millions of inaccuracies and non investigation accusations coming against the consumer reporting agencies from XXXX and consumers alike. As well as Its been clearly and openly admitted by your company that they discard millions of disputes a year without investigation. Discarding disputes violates the fair credit reporting act ( FCRA ). The CFPB has already cited you consumer reporting agencies for accepting insufficient investigation reports from data furnishers without an independent investigation. Which as a consumer this misuse of power and responsibility is a grave concern to me in these hardship times of economical struggles, scams, and identity thefts and so forth. XXXX laid out remedies to govern and help consumers combat these abusive and unethical practices you consumer reporting agencies are displaying in these days and times. So as a third and final attempt Per 15 USC 1681i ( a ) ( 1 ) I the consumer XXXX XXXX dispute and request a independent reinvestigate consumer report on said fraudulent accounts your furnishing on my consumer report. I also request per 15 USC 1681d ( b ) a complete and accurate disclosure of the nature and scope of the investigation. A investigative consumer report is defined by Congress as 15 USC 1681a ( e ) a consumer report or portion therefore in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported. With your bold and blatant violation of my Privacy Per 15 USC 1681 ( a ) ( 4 ) of not exercising your grave responsibilities with fairness, impartiality, and a respect for my the consumer right to privacy. By furnishing and sharing my information unbeknownst my knowledge or consent or any other kind of investigation. Per 15 USC 1681i ( 7 ) I the consumer XXXX XXXX request a description of method of the reinvestigation referred to in 15 USC 1681i ( 6 ) ( B ) ( iii ). I request all documents involved in the reinvestigation consumer report pertaining to the 2 unbeknownst fraudulent accounts your furnishing on my consumer report without my knowledge or consent. Which includes but not limited to any and all CONSENTING documents, XXXX XXXX, signed credit application showing consent, assignments, purchase of debt, ledger of the accounting documents, transaction history, signature analysis, and anything else relating to the consumer for review of how your company came to believe these fraudulent inaccurate accounts where verified as accurate and mine through your reinvestigation. 15 USC 1681g ( a ) ( 1 ) Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : All information in the consumers file at the time of the request. \nThis is a third a final request. You may wan na address this issue immediately. In XXXX XXXX TRANS UNION COPR the courts cited that under 15 USC 1681 ( a ) That where fraud has occurred, the statue places the burden of investigation squarely on the the consumer reporting agencies. I disputed and requested ( complaint # XXXX attachment B ) the method of investigation used to determine your verified as accurate letter ( attachment a ). By for some reason you cant produce your description of method of your investigation, 15 USC 1681i ( 5 ) ( A ) ( i ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- promptly delete that item of information from the file of the consumer. 15 USC 1681n ( a ) Any person who willfully fails to comply with any requirements imposed under this sub chapter with respect to any consumer is liable to that consumer. This will be considered Notice that if failed to comply will result in Civil Penalties. \n\nSincerely yours, XXXX XXXX","date_sent_to_company":"2022-11-01T16:07:42.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"28269","tags":null,"has_narrative":true,"complaint_id":"6153448","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-11-01T15:33:45.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Discarding disputes violates the fair <em>credit</em> reporting act ( FCRA ). The CFPB has already cited you consumer reporting agencies for <em>accepting</em> insufficient <em>investigation</em> reports from data furnishers without an independent <em>investigation</em>. Which as a consumer this misuse of power and responsibility is a grave concern to me in these hardship times of economical struggles, scams, and identity thefts and so forth."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's <em>investigation</em> into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their <em>investigation</em> did not fix an error on <em>your</em> report"]},"sort":[11.4620075,"6153448"]},{"_index":"complaint-public-v1","_id":"6714460","_score":11.4527025,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"DISCOVER BANK claimed to have completed a reasonable investigation with the furnisher of information and verified this account as reporting 100 % accurately. However, the account is still inaccurate and DISCOVER BANK is still continuing to report errors on my credit file, violating my rights and damaging my credit score at the same time. Recently, I received notice from XXXX that they had deleted a previous late payment for XX/XX/2022 that DISCOVER BANK reported for inaccuracy and it was re-inserted which is a violation. I am now requesting that DISCOVER BANK do the same and delete the remaining late payments for XX/XX/2022 and XX/XX/2022. \n\nDelete the reported late payments on accountDISCOVERBANK XXXXfor inaccuracy. The late payments for XX/XX/2022 and XX/XX/2022 are reported inaccurately and inconsistently on XXXX. I cant figure out how DISCOVER BANK verified these late payments when the only form of verification is the bank statement belonging to DISCOVER BANK. I need to see all original bank transactions and statements that belong to DISCOVER BANK that would prove my payments were not accepted on time or you need to remove these inaccurate and unverified late payments. Delete the late payments for inaccuracy. \n\n15 U.S.C. 1681 section 602 A. states I have the right to privacy.\n\n15 U.S.C. 1681 section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written consent.\n\n15 U.S.C. 1681s-2 ( a ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.\n\n15 U.S.C 1681c. ( a ) ( 5 ) Section which states no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.\n\n15 U.S.C 1666 ( B ) states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.\n\n15 U.S.C 6802 ( a ) states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice.\n\n15 USC 1692 ( c ) ( a ) states Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.\n\n15 USC 1692 ( b ) ( 2 ) states Any debt collector communicating with any person other than the consumer shall not state that such consumer owes any debt.\n\n15 U.S.C 6802 ( a ) ( b ) states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice to opt out. \n\nI have included a copy of my credit report highlighting the inaccuracies on the Discover Bank account, a Discover bank communication letter with violations, a list of laws you have violated, and XXXX investigation results showing that this information has been removed, and my original dispute letter showing the inaccuracies I request that you take similar action and delete this information on my report with your respective credit bureaus as soon as possible.","date_sent_to_company":"2023-03-18T22:40:38.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"89141","tags":null,"has_narrative":true,"complaint_id":"6714460","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2023-03-18T22:25:41.000Z","state":"NV","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have included a copy of my <em>credit</em> report highlighting the inaccuracies on the Discover Bank <em>account</em>, a Discover bank communication letter with violations, a list of laws you have violated, and XXXX <em>investigation</em> results showing that this information has been removed, and my original dispute letter showing the inaccuracies I request that you take similar action and delete this information on my report with <em>your</em> respective <em>credit</em> <em>bureaus</em> as soon as possible."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Improper use of <em>your</em> report"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Reporting company used <em>your</em> report improperly"]},"sort":[11.4527025,"6714460"]},{"_index":"complaint-public-v1","_id":"12171216","_score":11.375703,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing desiring to file a formal complaint against AmSher Collection Services for engaging in abusive, deceptive, and unfair debt collection practices in violation of federal regulations. I am requesting your immediate investigation into their conduct. \n\nAmSher Collection Services Reporting On XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Account Type : Collection Original Balance : {$220.00} Balance Updated : XX/XX/XXXX Status : Collection account {$88.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Specific Violations : I WOULD LIKE TO SAY : AmSher Collection Services has violated the following regulations : 12 CFR 1006.34 ( b ) ( 5 ) - Communication Practices ( Harassment or Abuse ) : My cell phone has been called and texted. I should not be subjected to actions that constitute harassment or abuse, excessive phone calls, calls at unusual hours or illegitimate threats. My cell cell phone should not be called repeatedly, often multiple times per day, if I request to not be called. I am requesting that AmSher Collection DO NOT CONTACT ME IN ANY WAY NOR AT ANYTIME. \n\n\n12 CFR 1006.34 ( c ) ( 4 ) ( i ) - False, Misleading, or Deceptive Representations ( Failure to Disclose ) : I do not want to be called by any AmSher Collection representative failing to disclose that they are a debt collector or misrepresenting the amount owed. Please do not call or text my phone giving me false or misleading information.\n\n12 CFR 1006.34 ( d ) - Unfair or Unconscionable Acts or Practices : unfair or unconscionable acts or practices by AmSher. To call and demand payment of an amount not owed, attempting to collect on a debt that IS NOT MINE is unconscionable.\n\nAmSher Collection Services is attempting to collect on a debt that I believe is not valid. If I have requested verification of the debt and they have failed to provide adequate documentation, how would I know its mine? I NEVER SIGNED UP FOR ANY SERVICE IN WHICH I AGREED TO PAY FOR. If I had, produce the document proving I agreed to accept and pay for any service. If you can't, leave me alone. THIS IS NOT MY DEBT... Please do not continue to demand payment for a debt that is not mine, which I consider an unfair and unconscionable act... \n\n15 U.S.C. 1681s-2 ( b ) ( 7 ) ( A ) - Duties of Furnishers of Information ( Failure to Investigate Disputes ) : I have tried to resolve this debt and dispute it countless times... This is not my debt. I dont believe that AmSher Collections has conducted a reasonable investigation. Yet, if you refuse to investigate, why would they continue to report inaccurate information to credit reporting agencies?\n\nRequested Action : I request that the CFPB : Investigate AmSher Collection Services ' practices. \nTake appropriate enforcement action to ensure they comply with federal regulations. \nRequire AmSher Collection Services to cease all collection activity on this disputed debt until they can provide proper validation.\n\nRequire AmSher Collection services to REMOVE THIS COLLECTION OFF MY CREDIT REPORT. Do not allow them to report inaccurate information to credit reporting agencies. \n\nThank you for your attention to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-02-21T09:59:54.000Z","issue":"Written notification about debt","sub_product":"Telecommunications debt","zip_code":"767XX","tags":null,"has_narrative":true,"complaint_id":"12171216","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Amsher Collection Services, Inc.","date_received":"2025-02-21T08:39:45.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Dear Consumer Financial Protection <em>Bureau</em>, I am writing desiring to file a formal complaint against AmSher Collection Services for engaging in abusive, deceptive, and unfair debt collection practices in violation of federal regulations. I am requesting <em>your</em> immediate <em>investigation</em> into their conduct."]},"sort":[11.375703,"12171216"]},{"_index":"complaint-public-v1","_id":"9563009","_score":11.373845,"_source":{"product":"Debt collection","complaint_what_happened":"CC : Federal Trade Commission Re : Complaint Regarding XXXX XXXX XXXX Related To Complaint XXXX XXXX XXXXXXXX Submitted On : XX/XX/XXXX Dear Consumer Financial Protection Bureau , I am writing to formally lodge a XXXX against XXXX XXXX regarding their handling of my mobile device payment plan and associated charges. \n\nAccount Overview : Service Initiation : XX/XX/XXXX Payment Plan : Monthly installment payments due on the XXXX, automatically charged to my XXXX XXXX card ending in XXXX Consistent Payment History : Payments made on time each month Incident Details : Installment Plan Changes without notice. Restricted from making payments and send to collections. \n\nBilling Discrepancy on XX/XX/XXXX : Charge : {$5.00} Subsequent Bill Notification : {$510.00} Communication : No prior notification regarding the change in billing amount Failed Charge : Due to changes in my XXXX XXXX credit availability ( related to Complaint ID XXXX ), the full amount failed to process Notification : Received a text message from XXXX XXXX about the failed transaction Account Dashboard and Payment Issues : XX/XX/XXXX : Logged in to find a past due balance of {$47.00} Payment Attempts : Blocked both online and via phone Continued Access : Able to log in and view the dashboard Representative Interaction : chatted with agent online and on phone and was not permitted to make any payments or resolve the stated past due amount. \nWas billed {$510.00} outside of normal payment schedule. This failed in relation to : COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX XXXX XXXX Representative Interaction : Date : XX/XX/XXXX Outcome : Representative processed payments of {$0.00} Statements : Display discrepancies ( XX/XX/XXXX, XX/XX/XXXX ) Credit Reporting : Date : XX/XX/XXXX Action : Account reported to a credit collection agency Notification : Received a letter on XX/XX/XXXX Complaint Summary : XXXX XXXX actions have caused significant financial and personal inconvenience : Violation of Payment Plan Terms : I was not allowed to make agreed installment payments. \n\nLack of Communication : No advance notice of billing changes or account status. \nService and Device Issues : Poor service at my residence, leading to service cancellation in XX/XX/XXXX. \nManaged device complications with XXXX XXXX and XXXX XXXX XXXX, resulting in device reformatting and replacement. \n\nAdditional Concerns : There appears to be an ongoing issue with multiple service providers sharing my personal data across various platforms without consent, affecting my digital experiences and business operations. \n\nRequest for Investigation : I urge the Consumer Financial Protection Bureau to investigate these practices by XXXX XXXX and other service providers, ensuring stricter regulations to protect consumers and business owners from such abusive practices. \n\nAccount Setup and Payment History : I signed up for XXXX XXXX service in XX/XX/XXXX, including a mobile device payment plan. My installment payments were due on the XXXX of each month and were automatically charged to my XXXX XXXX card ending in XXXX. \nI paid my bill consistently and on time each month. \n\nUnexpected Billing and Lack of Communication : On XX/XX/XXXX, XXXX charged me {$5.00} and then notified me via email that my new bill was {$510.00}. There was no prior communication regarding any changes to my mobile device payment plan. \n\nXXXX attempted to charge my XXXX XXXX card for the full amount, which failed due to changes in my available credit and the installment plan modification without notice. I only learned about the failed transaction through a text message from XXXX XXXX. \n\nAccount Management and Payment Issues : On XX/XX/XXXX, my XXXX dashboard showed a past due balance of {$47.00}. In the attached file, notice the sign in confirmation email on XX/XX/XXXX where I attempted to resolve the issue. I would learn I was blocked from paying this amount both online and over the phone, being informed by the agent that my account was now closed, despite still being able to log in and view my dashboard. I never closed my account. The termination of my installment plan was not requested by me as the account holder. \n\nMultiple attempts to pay the installment amount were blocked by either XXXX online and XXXX XXXX. \n\nCredit Reporting and Further Complications : On XX/XX/XXXX, I called in again to explain the situation a representative processed two {$0.00} payments, further complicating the issue. \n\nI was informed that my account had been reported to a credit collection agency on XX/XX/XXXX, and I received a notification letter on XX/XX/XXXX. \n\nDespite being told I could not make a payments with XXXX and needed to work through the credit collection agency, a representative processed two payments for {$0.00} on XX/XX/XXXX, including a past due amount. {$47.00} In the attached files you will see the payment amounts reflected on my dashboard and the confirmation emails and notice dates I would be charges. I am currently on limited income and these types of financial incidents are harmful. I urge better regulation and oversight. \n\nService Quality and Device Management Issues : It is important to note : due to poor service, I canceled my XXXX XXXX  service in XX/XX/XXXX and switched to XXXX XXXX XXXX In a separate issue to be reported to the FTC, the XXXX device was managed through XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX, where I would experience unauthorized updates and testing on my devices with XXXX without consent. The consistent interferences impacted with the device 's functionality. After multiple lockouts and forced reformats, I replaced the device to avoid further issues. \n\nConcerns about Data Privacy and Business Practices : My business partner and I have experienced similar incidents with several service providers, raising concerns about how XXXX and other companies manage personal data and accounts. \n\nXXXX breach of the contractual terms of my mobile device payment plan without notice has caused significant financial hardship and inconvenience. \nIn summary, XXXX mishandling of my account, failure to communicate changes, and refusal to accept payments have forced me into a difficult financial situation. \n\nIn summary, XXXX mishandling of my account, failure to communicate changes, and refusal to accept payments have forced me into a difficult financial situation. I request that the CFPB and FTC investigate XXXX 's practices and enforce stricter regulations to protect consumers and business owners from such abusive business practices. \n\nAttached to this complaint are relevant statements, email notifications, and screenshots from my XXXX dashboard, providing further details on the charges and issues described. \n\nAttached to this complaint are relevant statements, email notifications, and screenshots from my XXXX dashboard, providing further details on the charges and issues described. \n\nThank you for your attention to this matter. \n\nAttachments : XXXX Complaint.pdf Account Statements ( See Pages XXXX, XXXX, XXXX, XXXX, XXXX ) Email Notifications Chat Transcripts Live Chat Today Good afternoon, XXXX! \n\nI'm XXXX Assistant, here to help answer questions as quickly as possible. If we can't resolve your issue together, no worries! I'll connect you to a live agent. \n\nTo get started, here are some suggestions. Or, type what you need. \nAdditional suggestions and FAQs Learn about XXXX XXXXWhere 's my order? Billing and paymentData usage and optionsView my WiFi infoHelp with XXXX XXXX Privacy Center Billing and payment It looks like your XXXX account is no longer active. Do you want to chat with an agent for more help? \nChat with an agent Chat with an agent No problem. I'll put you in touch with a live agent now. \nLive chat started. \nXXXX joined the chat. \nHi XXXX, thank you for contacting XXXX. My name is XXXX. I see you may have questions about your bill. Is that correct? \nXXXXXXXX XXXX XXXXXXXX cancelled our account in XXXX and did not provide a notice. Then changes the terms of our payment plan and is demanding the full balance of {$510.00} for the device unless we upgrade to a subscription plan. How to I make an installment payment on the account? \nThank you so much for specifying your concern please be assured let me pull up your account details and help you in best possible way. \nThank You You're welcome. \nPlease allow me a couple of moments. Let me check that for you Thank You You're welcome. \nXXXXXXXX XXXX It says I have a past due balance of : This account has a past-due balance of {$47.00}, but will not let me make a payment of XXXX XXXXXXXX Alright Thank you for waiting and time No Problem As I can check on your account you have charged {$510.00} for device payment charges How do I make a payment? I can not pay the full amount right now, but can make a payment of {$150.00} towards the balance due. \nWhy I try the website is not accepting any payment. \nI can understand but please be assured and try to pay with less amount also you can make partial payment from this quick pay link : XXXX XXXX XXXX XXXX What phone number is listed file? \nI only have any account number This number is registerd ( XXXX ) XXXX It says it is not able to find an account with that number on file. \nLet me setup the call back with our advanced team for you so they can help you Thank You Please share your reliable number ( XXXX ) XXXX Thank you for sharing Can you also please forward a copy of this transcript to me at XXXX or the email on file for my account. Thank You Callback Scheduled Successfully The customer callback has been scheduled successfully for phone number XXXX XXXX pm I am sorry but I don't have access to share the transcripts End Live Chat From XXXXXXXX XXXX","date_sent_to_company":"2024-07-30T14:22:41.000Z","issue":"False statements or representation","sub_product":"Telecommunications debt","zip_code":"98033","tags":null,"has_narrative":true,"complaint_id":"9563009","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Kriya Capital, LLC","date_received":"2024-07-19T20:58:14.000Z","state":"WA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Request for <em>Investigation</em> : I urge the Consumer Financial Protection <em>Bureau</em> to <em>investigate</em> these practices by XXXX XXXX and other service providers, ensuring stricter regulations to protect consumers and business owners from such abusive practices. \n\n<em>Account</em> Setup and <em>Payment</em> History : I signed up for XXXX XXXX service in XX/XX/XXXX, including a mobile device <em>payment</em> plan."]},"sort":[11.373845,"9563009"]},{"_index":"complaint-public-v1","_id":"3443824","_score":11.350338,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"After many attempts to correct items on my credit on line, by phone and fax, I am filing this complaint because Trans Union stated my last complaint to the CFPB was a \" duplicate '' which it was not. On XX/XX/2019 I faxed XXXX XXXX of Trans Union them the attached letter. On XX/XX/XXXX I was sent a response, with a form letter on \" How to read your Investigation Results and an updated credit report, which still did not have the necessary corrections, or remove outdated accounts. \nTrans Union HAS NOT RESPONDED TO MY REPEATED REQUESTS FOR INFORMATION, as stated in my letter faxed to them XX/XX/XXXX. It is well over 30 days & in less than a week will be over 60 days, this is unacceptable. \n\nI continue to get updates that either state the information is accurate, ( when it is not, ) or that information that is \" Accurate '' remains on your report an average of 10 years from the day it is closed. \nI went to the Trans Union site and read the \" Frequently asked credit questions concerning \" How long does Negative information stay on my credit report? '' It stated 7 years or 10 years for positive information, adding revolving accounts, such as credit cards with a positive history will stay on your report for as long as the account is active, which is a contradiction of their prior statement, along with the fact that, Trans Union is ignoring both Federal & State Laws ( California, ) for credit. \nAdditionally, I have repeatedly explained that not only is my credit report based on the FCRA, but also on the California bill of Rights, which gives me the right to request information that is older than 7 years whether negative or accurate to be removed from my credit file. \nThere are creditors reporting 15+ years since the file was closed or became inactive, that the bureaus refuse to remove. When a company such as XXXX XXXX is transferred the Servicing Rights of my loan from XXXX  XXXX XXXX, they may not report for 60 days after the transfer, yet they did. \nWhen an Error Notice is in progress the company also can't report on my credit, but Trans Union accepted their information. Additionally, after the credit bureau deletes/corrects Mortgage information on my report, the new Servicer can not add it back in, but Trans Union allowed this inaccurate information to reappear. Furthermore, my report states ; XXXX  XXXX XXXX inquired on my credit XX/XX/2019. Even though there permissionable rights to check my check extinguished on XX/XX/2019, when the loan was transferred, and sold to XXXX XXXX. \nI made a request in writing for corrections : Investigation Request to Delete inaccurate credit reporting, unrecognized accounts, & outdated ( over 7 years. ) based on the most recent credit report & in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), and the State of California - Consumer Credit Reporting Agencies Act, CCRA 1785-1788 the California Bill of Rights, or California Code of Civil Procedures : Section 1021.5 I am practicing my right to challenge questionable information that I have found on my personal credit report made on my personal credit report. I am now requesting a re-investigation under Civil Code - Title 1.6 -1785.30, by making this written demand to correct all items disputed within the next 30 days. I am also requiring Trans Union to correct or delete all items found to be inaccurate during the dispute period. If you have not been provided with any evidence the information originally provided is correct, your agency shall delete the information from my report. If the reported information is not corrected, modified, or deleted, I ask that I am promptly notified and provided with all relevant information that is received by the Agency concerning my dispute. What is most important is correcting the information reported by XXXX, as I am trying to purchase a home, and their inaccurate reporting has dropped my overall credit scores over 100 points. in the status section for XXXX  XXXX  XXXX  it should state : Original Creditor was : XXXX  XXXX XXXX Company Sold on : XX/XX/2019 Balance as of this date : {$290000.00} Monthly Payment beginning XX/XX/19 : {$970.00} Terms : 32.42 yrs./389 months ( See XXXX  XXXX  XXXX amortization agreement . ) Missing payments made on : XX/XX/XXXX and XX/XX/2019 in the amount of {$1300.00} The last payment made XX/XX/XXXX for {$1300.00} & isn't documented. This is important to report because this loan changed both lenders & Servicer 's with the first payment to the new lender on XX/XX/19 not shown nor XX/XX/19. \nUnder RESPA there is a 60-day period beginning on the effective date of transfer of the servicing of any federally related mortgage loan, a late fee may not be imposed on the borrower. This is often misinterpreted as meaning that after 60 days the new mortgage loan servicer MUST report the account to the credit bureaus, this is incorrect. The 60-day rule simply says that credit reporting can not occur if a payment has been made, not that credit reporting is required. XXXX   XXXX XXXX accurately shows a balance of {$290000.00} Monthly Payment beginning XX/XX/19 : {$970.00} Terms : 32.42 yrs. or 389 months ( See XXXX  XXXX XXXX amortization agreement. ) Some of the information was correctly deleted in the report as requested, while other information was disregarded because the creditor stated it was accurate. \nThe accounts below are reporting incorrectly please investigate these : 1.  XXXX XXXX XXXX account # XXXX closed over 7 years ago/ Auto Loan 2.  XXXX XXXX XXXX account # XXXX closed over 7 years ago/ Auto Loan 3. XXXX XXXX XXXX account # XXXX closed over 7 years ago/ Auto Loan 4.  XXXX XXXX XXXX account # XXXX closed over 7 yrs. ago/ Credit Card 5. XXXX XXXX XXXX account # XXXX / Credit Card Paid I asked Trans Union provide me the following information concerning the results of this Re-investigation 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth? \n6. Concerning XXXX  What proof was provided to your company allowing XXXX to report after the Transfer? \n\nResults of Re-investigation Please provide me with the following once your investigation is completed : A statement that the Re-investigation has been completed A Revised Consumer Report A Description of the Procedure used to Determine the Accuracy How did you arrive at the Completeness of the information I was provided? \nAny future Notifications ( under subsection - d ) are furnished to me.","date_sent_to_company":"2019-11-19T05:30:32.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"95630","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"3443824","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-11-19T04:32:46.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["When an Error Notice is in progress the company also <em>can't</em> report on my <em>credit</em>, but Trans Union <em>accepted</em> their information. Additionally, after the <em>credit</em> <em>bureau</em> deletes/corrects Mortgage information on my report, the new Servicer can not add it back in, but Trans Union allowed this inaccurate information to reappear. Furthermore, my report states ; XXXX  XXXX XXXX inquired on my <em>credit</em> XX/XX/2019."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's <em>investigation</em> into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[11.350338,"3443824"]},{"_index":"complaint-public-v1","_id":"5849913","_score":11.252361,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I listed a pair of wedding heels on XXXX XXXX and was contacted by a XXXX user called XXXX XXXX XXXX XXXX' on Monday XX/XX/XXXX. She was interested in purchasing my pair of shoes for {$170.00}. She said she was located in XXXX XXXX and shipping would be ideal. On XX/XX/XXXX morning, she requested for my XXXX email and name to send payment to. She was very aggressive and demanded me to check my email for the notification mail from XXXX. At the time, I was focused on selling my pair of shoes that I did not pay attention to the sender of the email was not from XXXX and it was from this email address \" XXXX '' I received a total of XXXX scam emails from this email address on XX/XX/XXXX. The first email I received was at XXXX that stated I have received a payment of {$170.00} USD from XXXX XXXX \" Important : To receive this payment, please reply to this email immediately stating that you accept the money. '' Then I received a second email at XXXX stating \" We are sorry for the late response. We encountered a little problem while crediting your account, you have a pending payment of {$170.00} USD but we have a problem crediting your account with that amount because your account is not a premium account and can not receive funds that add up to {$170.00}. '' The email instructed me to send in an additional payment of {$620.00} so that my account limit can be expanded, as soon as this is done, we will credit the total amount of {$800.00} into your account immediately without any further delay. Meanwhile, XXXX was communicating and instructing me to send her the refund through Zelle or XXXX. She gave me her XXXX XXXX XXXX XXXX. I asked her is the name under XXXX XXXX she responded yes. Payment though XXXX was declined and she insisted me to send her payment through Zelle to XXXX under the name of XXXX XXXX. Then after I sent the payment, I received a third email from the fake \" XXXX '' at XXXX, this time stating that my account has been upgraded to premium account and I have received an additional payment of {$620.00} USD from ( XXXX XXXX ) and your account will be fully credited with the total sum of {$800.00} USD. When I checked my account, I never received the funds. At XXXX, I received a fourth email stating \" On the verge of crediting the pending payment of $ XXXX as we notified you earlier which was paid by the customer XXXX XXXX, we looked through our database and found a total pending payment of $ XXXX. There has been another new payment of {$620.00} USD from the same customer XXXX XXXX resulting in an excess payment from the same customer, We are unable to separate the payments as they have been added to our database and all the funds are pending in your account, due to this reason, we can't proceed with crediting your account with the initial pending payment of {$800.00} USD. We have also tabled the transaction before the Board of Directors and they have advised that the payment ( XXXX ) should remain \" ON-HOLD/Pending here while you make the refund of the new payment of {$620.00} USD using Zelle after which we shall then credit your account with total payments of {$1500.00} USD because you are getting a bonus of {$100.00} USD. Note the customer 's account has now been suspended. '' Then XXXX instructed me to send the {$620.00} refund to her other Zelle account due to the first account having receiving limits. She said \" XXXX gave you a bonus of {$100.00} due to this. '' She gave me her other Zelle account \" XXXX under the name \" XXXX. '' After payment was sent, I received a fifth email at XXXX stating \" Your pending payment of {$1500.00} USD has been successfully approved and the money will be available in your account between XXXX hours and we will send you an email immediately the money is available in your account. '' At XXXX, I received a final sixth email stating \" IMPORTANT : READ CAREFULLY THE BELOW MESSAGES AND FOLLOW THE INSTRUCTIONS GIVEN SO WE CAN FINALLY PROCESS YOUR PAYMENT WITHOUT ANY FURTHER DELAY. \n\nWe are sending you this message to notify you that we have expanded your account limit. You have to pay the XXXX  charges of {$870.00} USD. \n\nXXXX XXXX 's account is still suspended till your money gets finally credited to your account. \n\nThe charge you need to pay before the money can get credited into your account is {$870.00} USD, your account will be credited immediately with the sum of {$2500.00} USD within XXXX minutes of confirming the transaction refund because you are getting a bonus of {$100.00} USD. \n\nNote : The money has been deducted from XXXX XXXX XXXX  account so we urge you to go ahead and send an additional {$870.00} USD refund through Zelle and get back to us with the refund proof as XXXX  charges so that we can unfreeze XXXX XXXX XXXX account. \n\nAlso note : Ask the customer for another Zelle information. \n\nOnce we receive the proof of refund from you as a means of the XXXX charges, we will credit your account with the sum of {$2500.00} USD without any further delay. '' At that same moment, XXXX messeged me on XXXX \" Did you receive the recent notification about XXXX XXXX XXXX charges of {$870.00}? '' Then I asked her \" Yikes, what is this XXXX XXXX? Is this a spam? '' She explained that it is only charged once and you don't have to pay for it again. I told her I'm calling XXXX to inquire. She said I'm not stealing from you I promise. She told me calling XXXX is not a solution. Then I found out this was a fraud. I reported to XXXX XXXX XXXX Zelle to start an investigation today. I also reported XXXX XXXX on XXXX and to the internet crime complaint center. \n\nI am hoping Consumer Financial Protection Bureau can do something to help me recover the money I lost through internet scam. I am getting married in XXXX and really need this fund for my wedding. Thank you so much for reading this and I look forward to a response and resolution. Thank you!","date_sent_to_company":"2022-08-05T05:46:03.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"94133","tags":null,"has_narrative":true,"complaint_id":"5849913","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2022-08-05T05:00:29.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["There has been another new <em>payment</em> of {$620.00} USD from the same customer XXXX XXXX resulting in an excess <em>payment</em> from the same customer, We are unable to separate the <em>payments</em> as they have been added to our database and all the funds are pending in <em>your</em> <em>account</em>, due to this reason, we <em>can't</em> proceed with <em>crediting</em> <em>your</em> <em>account</em> with the initial pending <em>payment</em> of {$800.00} USD."]},"sort":[11.252361,"5849913"]},{"_index":"complaint-public-v1","_id":"14790585","_score":11.147041,"_source":{"product":"Debt collection","complaint_what_happened":"I recently reviewed my credit report again and noticed there are several inaccurate items on my report still remaining. Please be noticed that I do not consent to E-Oscar or any means of automation verification. I understand that the information youre reporting on my credit report follow a presumed industry standard format called e-oscar/metro 2 and information must be reported with maximum possible accuracy. However upon review of my credit report I have found out that the following accounts are reporting inaccurately.\n\nUpon proof of claim of an original contract with my name and signature which you should have on file from account listed below. Under the FCRA, 15 U.S. Code 1692a, 15 U.S. Code 1681 Late Pays violation of State and Federal law reporting. There should be no reporting unless you provide me proof of claim this company is reporting on this account with 100 % accuracy. By the Consumer Protection laws I demand that if unable to confirm or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as Agreed Never Late ) and supply a corrected credit profile to any creditors who have requested a copy of my credit report in the last 6 months.\n\nValidate this accounts that this is reporting 100 % accurate and without error, and if its not, immediately Delete this account from my credit file.\n\nAccording to FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ), I have the right to dispute any information on my credit report that I believe is not correct. I reserve the right to dispute any information that I deem to be inaccurate. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the XXXX XXXX  reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing. \nThis represents an open account on the screenshots XXXX XXXX, No status, but updated on XX/XX/XXXX, but nothing for XXXX or XXXX or any other months. Theres no data. \nLets examine Account Status showing Open I bet you can't wait until I'm done with this account! The compliance standards are really important, and your reporting ability is clearly lacking. As we know from the news lately -- inaccurate credit records lead to higher interest rates on loans or even worse... Prove that all information for this particular account has been verified. \nIm reaching out because this account Hunter Wardfield with number XXXX is showing up wrong on my credit report as Collection Or ChargeOff, and its really holding me back. You mentioned that this account was opened on XXXX, had a date of last activity of XXXX, and was last verified on XXXX. This information is incorrect, and I demand that you delete this account immediately. \nThis inaccurate report is seriously affecting my ability to reach my financial goals, such as securing a loan or refinancing my mortgage. Under 15 U.S.C. 1681i, I have the right to request the methods and documentation used to verify this information. Additionally, I want you to provide me with proof that I owe the {$560.00} as I am certain I do not owe this amount. \nCases like XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) demonstrate that credit bureaus have a legal obligation to conduct thorough investigations. Please handle this matter promptly According to the law, you and data furnishers must certify all aspects of required XXXX XXXX compliance. This must be done in a truthful, correct manner that is complete as well timely so it does not violate my consumer rights or civil freedoms!","date_sent_to_company":"2025-07-20T00:11:01.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"33023","tags":null,"has_narrative":true,"complaint_id":"14790585","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"HW Holding, Inc","date_received":"2025-07-19T23:51:26.000Z","state":"FL","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I appreciate <em>your</em> help in making sure my <em>credit</em> is in good standing. \nThis represents an open <em>account</em> on the screenshots XXXX XXXX, No status, but updated on XX/XX/XXXX, but nothing for XXXX or XXXX or any other months. Theres no data. \nLets examine <em>Account</em> Status showing Open I bet you <em>can't</em> wait until I'm done with this <em>account</em>! The compliance standards are really important, and <em>your</em> reporting ability is clearly lacking."]},"sort":[11.147041,"14790585"]},{"_index":"complaint-public-v1","_id":"19033739","_score":11.0954075,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Debt Collector Failure to Validate Debt & Improper Credit Reporting Company Name : WESTLAKE FINANCIAL SERVICES LLC Account Number XXXX Complaint : I am filing a complaint regarding violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) committed by the above-named debt collector/furnisher. \n\nFirst attemp was on XX/XX/XXXX, I sent a written debt validation request pursuant to 15 U.S.C. 1692g ( b ). The collector received my request on XX/XX/XXXX but has not provided any validation. Despite failing to validate the debt, they have continued collection activity including : Calling/sending letters after receiving my dispute Reporting the debt to the credit bureaus Failing to mark the debt as disputed ( FCRA requirement ) These actions violate : FDCPA Violations 15 USC 1692g ( b ) continued collection without validation 15 USC 1692e false/misleading representations 15 USC 1692f unfair practices FCRA Violations 15 USC 1681s-2 ( a ) ( 3 ) failure to report debt as disputed 15 USC 1681s-2 ( b ) failure to conduct a proper investigation after a bureau dispute Reporting inaccurate or unverified information I am requesting that the CFPB require the company to : 1. Provide full validation of the debt 2. Cease collection until validation is provided 3. Correct or delete any unverified credit reporting 4. Mark the account as disputed 5. Provide a written response explaining their actions. I have been ignored and they have been negligent since my inital request.\n\nSupporting documents provided : Copy of my validation requestI conditionally accept your claim that I owe this DEBT upon VERIFIED PROOF of Contract bearing my wet ink signature as well as full disclosure. Absent of that proof your presumption is null and void. Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required.\n\nThis notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F.D.C.P.A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you.\n\nPlease provide me with the below mentioned items : * Proof of chain of title * The amount you claim the Respondent owes you * If there was a 1099-a or 1099-c I would like my COPY B for my tax purposes * An explanation showing me how you have computed the amount.\n\n* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent.\n\n* Show me that the vehicle has not been sold.\n\nI have asked for full accounting yet i only received a copy of the account payment history.\n\nPlease NOTE that it is a REQUIREMENT by the IRS to FURNISH COPY B to the BORROWER per IRC 6041 & section 6050J/6050P. Failure to do so does have penalties under CODE 6722 This is showing that WESTLAKE has closed the account on my credit ( XX/XX/XXXX ), but continue to open it back up each month. As well the amount that was made from the car selling was added back to the principal balance that is claimed I OWE. Down payments and Installments in CONSUMER CREDIT TRANSACTIONS. CASH or CREDIT not both which is misleading advertising UCC CODES : 15 USC 1692G : Ignored- Moving in dishonor must provide disclosure of the debt ( which form was filed ) 15 USC 1611 : Criminal offense by not providing my requested documents If they cant give me the documents in writing 15 USC 1692K which states CIVIL PENALTY UCC 1-201 : Failure of consideration/fraud seller made false statements or withheld material value 15 USC 1662 : No valid contract formed due to lack of full disclosure UCC 3-603 : Tender refused is without valid reason, if refused there is discharge.\n\nCredit report showing continued reporting- My credit report shows that it gets reported then taking off every month.\n\nThank you for your assistance.","date_sent_to_company":"2026-01-27T19:38:32.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Auto debt","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"19033739","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Westlake Services, LLC","date_received":"2025-12-04T03:58:49.000Z","state":"AZ","company_public_response":null,"sub_issue":"Threatened to sue you for very old debt"},"highlight":{"complaint_what_happened":["1681s-2 ( b ) failure to conduct a proper <em>investigation</em> after a <em>bureau</em> dispute Reporting inaccurate or unverified information I am requesting that the CFPB require the company to : 1."]},"sort":[11.0954075,"19033739"]},{"_index":"complaint-public-v1","_id":"4422692","_score":10.875842,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"An employee at Bridgecrest Credit Company deleted my credit information from all three credit bureaus it wasn't until I ran my credit report that this was found out. I contacted the XXXX XXXX XXXX and XXXX from Bridgecrest called me on XXXX informed me that she was responding to my complaint that received from the XXXX XXXX XXXX and had to reach out to me to ask some general questions hear my side of it and do some investigating into what happened. Then stated she could see where someone had deleted my account information and that they shouldn't have she told me she had to do a little more investigating because I filed a complaint with the XXXX XXXX XXXX  but I more than likely would not be responsible for paying for what was left on my car after the auction because someone had deleted the account information from the system and that it should not have been removed. XXXX said she would contact me in a couple of days with the results I did not hear from her I instead received an email from someone by the name of XXXX XXXX who also stated that they reviewed my account and their records indicate it all information previously reported by Bridgecrest Credit Agencies. Also that they would not report any additional information regarding my account to the agencies which is probably because it's been deleted so there's no way they can. I called Bridgecrest to get a better understanding of what this letter meant and spoke to a lady at Bridgecrest who then connected me to XXXX who today XXXX attemped to tell me that it is the policy of Bridgecrest that whenever someone files a reaffirmation in a bankruptcy they delete their credit information from the system. I responded to her by letting her know that that was not what she told me last week and if she remembered that she told me my information should not have been deleted from the system and if this was the department she worked in why she was not aware of this policy if it's the normal policy and procedure to refuse to answer she just continue to say I will be responsible to pay what was left after the auction I've been informed her that does not sound right or Fair because since you deleted my account information you can't even see what my initial loan amount was and I don't have the paperwork anymore so it will be very easy for them to say I owe them whatever amount they choose which I don't think it's fair legal and I am not going to just accept. XXXX then went on to tell me that there was a lot of discrepancies in my initial complaint that XXXX  and XXXX pull up different car histories and that I was given a history on my car stating my car had had four owners I informed her that is not what was told to me she said well I have a paper in front of me that you signed, I informed her I don't trust XXXX XXXX nor do I now trust Bridgecrest so I don't care what she has in front of her I know what was told to me and I also had my fiance with me and he also heard the gentleman say my car had one owner had never been in an accident and never left the city of XXXX that it was used as a rental car which is one of the reasons why I was more interested in the car. The car started having transmission issues after not even driving the car for 6 months which also leads me to believe that XXXX XXXX selling flood cars and they had to know that the transmission had issues. Now that someone has illegally deleted my loan information from the system and deleted it out of all three credit bureaus none of my payment history shows up which does not help my credit score all of my information is just gone and now Bridgecrest is still trying to get ahead by charging me what they claim they're not getting from a car that they erased the account information from. I feel this was done maliciously because they saw I was filing bankruptcy and didn't want me to be able to put my loan on my bankruptcy. I was brushed off by XXXX as if she was just saying oh well now there's nothing they can do. Your company went back and deleted financial records which can't be legal. I do not feel I should be responsible for paying what Bridgecrest says is left after the auction of the XXXX  XXXX XXXX  due to my account information being deleted by someone who os employeed with their company. This is unfair and a terrible thong to do to Consumers and then want to force payment on an acount that no longer exists.","date_sent_to_company":"2021-06-01T21:04:24.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"452XX","tags":null,"has_narrative":true,"complaint_id":"4422692","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bridgecrest Acceptance Corporation","date_received":"2021-06-01T20:26:39.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["Now that someone has illegally deleted my loan information from the system and deleted it out of all three <em>credit</em> <em>bureaus</em> none of my <em>payment</em> history shows up which does not help my <em>credit</em> score all of my information is just gone and now Bridgecrest is still trying to get ahead by charging me what they claim they're not getting from a car that they erased the <em>account</em> information from."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Unable to get <em>your</em> <em>credit</em> report or <em>credit</em> score"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Other problem getting <em>your</em> report or <em>credit</em> score"]},"sort":[10.875842,"4422692"]},{"_index":"complaint-public-v1","_id":"9614986","_score":10.693461,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15.U.S.CODE ; 1681N Civil liability for willful noncompliance and 15 U.S.Code ; 1681 to Civil liability for negligent noncompliance and 15 U.S.Code 1692k civil liability. \n\nPlease accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, UNVERIFIABLE and INVALIDATED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, UNVERIFIABLE and INVALIDATED items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. \n\nYOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct in the results of your investigations, you stated in writing that you \" verified '' that these items are being \" reported correctly '' Who verified these accounts? you have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as requested under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to \" promptly DELETE all information which can not be verified. '' Its very obvious that your agency doesn't know what the FCRA is because from the looks of my credit report and all the errors I see you are disregarding it so here 's my breakdown/ 1. The Fair credit Reporting Act is primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with other- including consumers themselves.\n\n2. What is FCRA violation?\n\nCreditors give reporting agencies inaccurate information about you. Reporting agencies mixing up one person 's information with another 's because for similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.\n\n3.My rights under the fair credit reporting act.\n\nVerify the accuracy of my report when it is required for employment purposes.\n\nReceive notification if information in my file has been used against me in applying for credit or other transactions.\n\nDispute- and have the bureaus correct and delete- information in my report that is incomplete, inaccurate, and unverifiable.\n\nRemove outdated, negative information ( after seven years in most cases, 10 in case of bankruptcy ). \n\n1. The following personal information is incorrect Account Number : Name : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX 4. This account has NEVER been verified the date of last activity is incorrect the closed date is incorrect and why is this reporting late I was never late on this account Under 15 USC 1666B this is a billing error always paid as agreed on time this is an XXXX XXXX XXXX Account Number : XXXX I was never late on this account. Please show me documentation if you cant provide this please remove this inaccurate information from my account. Please delete these late payments. \n\n5. This account has NEVER been verified the date of last activity is incorrect the closed date is incorrect and why is this reporting late I was never late on this account Under 15 USC 1666B this is a billing error always paid as agreed on time this is an XXXX XXXX XXXXXXXX Account Number : XXXX I was never late on this account. Please show me documentation if you cant provide this please remove this inaccurate information from my account. Please delete these late payments. \n\n6. I was never late on this account and if you cant provide the documentation showing proof according to USC 15 1666b you need to deleted it and i demand it not to show on my credit report XXXX Account Number : XXXX Remove this now off my credit report its definitely inaccurate 7. Under 15 U.S.Code 1681b Permissible purposes of consumer reports. A consumer reporting agency may furnish a consumer report under the following circumstances and no other XXXXXXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. \n\n8. Under 15 U.S.Code 1681b Permissible purposes of consumer reports. A consumer reporting agency may furnish a consumer report under the following circumstances and no other XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. \n\n9. This account has NEVER been verified the date of last activity is incorrect the closed date is incorrect and why is this reporting late I was never late on this account Under 15 USC 1666B this is a billing error always paid as agreed on time this is an XXXX XXXX XXXX XXXX Account Number : XXXX I was never late on this account. Please show me documentation if you cant provide this please remove this inaccurate information from my account. Please delete these late payments. \n\n10. Under 15 U.S.Code 1681b Permissible purposes of consumer reports. A consumer reporting agency may furnish a consumer report under the following circumstances and no other XXXX XXXX  Account Number : XXXX Remove this now off my credit report its definitely inaccurate 11. Under 15 U.S.Code 1681b Permissible purposes of consumer reports. A consumer reporting agency may furnish a consumer report under the following circumstances and no other XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. \n\n12. The following personal information is incorrect Account Number : Name : XXXX XXXX XXXX VIOLATION OF 15 U.S.CODE 1681n- CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE ( A ) IN GENERAL ANY PERSON WHO WILLFULLY FAILS TO COMPLY WITH ANY REQUIREMENT IMPOSED UNDER THE SUBCHAPTER WITH RESPECT TO ANY CONSUMER IS LIABLE TO THAT CONSUMER IN AN AMOUNT EQUAL TO THE SUM OF ( 1 ) ( A ) ANY ACTUAL DAMAGES SUSTAINED BY THE CONSUMER AS A RESULT OF THE FAILURE OR DAMAGES OF NOT LES THAN {$100.00} AND NOT MORE THAT {$1000.00} ; OR ( B ) IN THE CSE OF LIABILITY OF A NATURAL PERSON FOR OBTAINING A CONSUMER REPORT UNDER FALSE PRETENSES OR KNOWINGLY WITHOUT A PERMISSABLE PURPOSE, ACTUAL DAMAGES SUSTAINED BY THE CONSUMER AS A RESULT OF THE FAILURE OR {$1000.00} WHICHEVER IS GREATER ; ( 2 ) SUCH AMOUNT OF PUNITIVE DAMAGES AS THE COURT MAY ALLOW ; AND ( 3 ) IN THE CASE OF ANY SUCCESSFUL ACTION TO ENFORCE ANY LIABILITY UNDER THIS SECTION, THE COSTS OF THE ACTION TOGETHER WITH REASONABLE ATTORNEYS FEES AS DETERMINED BY THE COURT. ( B ) CIVIL LIABILITY FOR KNOWING NONCOMPLIANCE Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00} whichever is greater *Please remove all non-account holding inquiries Please noted that you have 30 days to complete this investigation, as per the FCRA Section 611 ( a ) ( 10 ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I DO NOT consent to E-OSCAR or any means of automated verification.\n\nFailure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial inquiry P.S. Please be aware that dependent upon your response. I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below. \n\nCC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Assistant Director of Enforcement Consumer Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Attorney Generals Office CC : Consumer Financial Protection Bureau CC : State Senate CC : XXXX XXXX XXXX CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC ; Federal Reserve System CC : Credit and Insurance CC : Federal Trade Commission CC : State regulatory Agency CC : California Regulatory agency Division of consumer complaints","date_sent_to_company":"2024-07-25T16:06:50.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75134","tags":null,"has_narrative":true,"complaint_id":"9614986","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-07-25T15:41:06.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Please <em>accept</em> this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve <em>your</em> continued violation of the Fair <em>Credit</em> Reporting Act regarding <em>your</em> refusal to delete INACCURATE, UNVERIFIABLE and INVALIDATED information from my consumer file."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Improper use of <em>your</em> report"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Reporting company used <em>your</em> report 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