{"took":319,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":493,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"10375387","_score":16.39047,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"after looking over my Experian consumer report I've noticed that there is a collections account that doesn't belong to me but keeps reporting to my consumer report. The creditor that's reporting the debt obtained this debt from another third party company in which neither creditors had the proper consent to obtain my personal information and share any information about me to anyone else. I have no knowledge of the creditor that's currently reporting this account but yet they are reporting that I owe an alleged debt. how can I owe a debt if there isn't any proper agreements or approval? Experian is reporting this inaccurate information in which I asked them to thoroughly investigate my dispute and remove any account and information that doesn't belong to me.","date_sent_to_company":"2024-10-07T18:10:36.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"080XX","tags":null,"has_narrative":true,"complaint_id":"10375387","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-07T17:59:51.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The creditor that's reporting the debt obtained this debt from another third party company in which neither creditors had the proper consent to obtain my personal <em>information</em> and <em>share</em> any <em>information</em> <em>about</em> me to anyone <em>else</em>. I <em>have</em> no knowledge of the creditor that's currently reporting this account but yet they are reporting that I owe an alleged debt. how can I owe a debt if there isn't any proper agreements or approval?"],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[16.39047,"10375387"]},{"_index":"complaint-public-v1","_id":"6357104","_score":15.653669,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, ohio XXXX XXXX XX/XX/2022 Date : Dear Sir or Madam/To Whom It May Concern, On last month I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported erroneously. On 2022 your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on 2022 ( To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete the negative items, as originally requested. Below are the items that do not belong to me that you continue to report erroneously. Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else remove these items immediately. Thank you, reporting incorrect information on my credit report, the company has been out of business for a while now and they are still reporting incorrect information on my credit report, they have forged documents. we have asked for them to supply the original documents that I signed for a share deposit, but they can not supply us with my original signature, that I signed up for this, the documents they have supplied us are typed and then written in not acceptable, I was not told about a share deposit, and I did not sign up for a share deposit. I have never stayed at any apartment complex that requests a share deposit, I have heard about a security deposit but not a share deposit, this is all false, this is a scam, and this is deceptive... remove from my credit report this incorrect information. this share deposit was never mentioned in my lease agreement, I have asked for a year now to show us this in my lease agreement, and they have dropped the ball over a year now, you know why they can not supply the lease agreement with the share deposit because it was never mentioned to me when I signed my lease, please remove, I am asking nicely, next I will be going to court, and you will have to pay all the grieve you have caused me and my family for reporting this scam on my credit report. you know I have an attorney and we are not playing. What is a legal document 's meaning? In short, a legal document by definition is one that outlines an agreement between two or more parties that has been signed by mutual assent and in all other respects can be relied upon in court. please show me a legal document between us that I signed, not something you typed out and wrote on, not acceptable,","date_sent_to_company":"2022-12-23T19:18:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"43110","tags":null,"has_narrative":true,"complaint_id":"6357104","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-12-23T19:11:09.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["I <em>have</em> never stayed at any apartment complex that requests a <em>share</em> deposit, I <em>have</em> heard <em>about</em> a security deposit but not a <em>share</em> deposit, this is all false, this is a scam, and this is deceptive... remove from my credit report this incorrect <em>information</em>. this <em>share</em> deposit was never mentioned in my lease agreement, I <em>have</em> asked for a year now to show us this in my lease agreement, and they <em>have</em> dropped the ball over a year now, you know why they can not supply the lease agreement with the <em>share</em>"],"issue":["Incorrect <em>information</em> on your report"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["<em>Information</em> is missing that should be on the report"]},"sort":[15.653669,"6357104"]},{"_index":"complaint-public-v1","_id":"6275085","_score":15.650262,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, ohio XXXX transunion XX/XX/2022 Date : Dear Sir or Madam/To Whom It May Concern, On [ Enter Date ] I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported erroneously. On 2022 your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect.\n\nThis is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on 2022 ( To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute.\n\nPlease provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ).\n\nPlease reply within 15 days or delete the negative items, as originally requested. \nBelow are the items that do not belong to me that you continue to report erroneously. \n\nPlease note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else remove these items immediately. \nThank you, reporting incorrect information on my credit report, the company has been out of business for a while now and they are still reporting incorrect information on my credit report, they have forged documents. we have asked for them to supply the original documents that I signed for a share deposit, but they can not supply us with my original signature, that I signed up for this, the documents they have supplied us are typed and then written in not acceptable, I was not told about a share deposit, and I did not sign up for a share deposit. I have never stayed at any apartment complex that requests a share deposit, I have heard about a security deposit but not a share deposit, this is all false, this is a scam, and this is deceptive... remove from my credit report this incorrect information. this share deposit was never mentioned in my lease agreement, I have asked for a year now to show us this in my lease agreement, and they have dropped the ball over a year now, you know why they can not supply the lease agreement with the share deposit because it was never mentioned to me when I signed my lease, please remove, I am asking nicely, next I will be going to court, and you will have to pay all the grieve you have caused me and my family for reporting this scam on my credit report. you know I have an attorney and we are not playing. \n\nWhat is a legal document 's meaning? \nIn short, a legal document by definition is one that outlines an agreement between two or more parties that has been signed by mutual assent and in all other respects can be relied upon in court. please show me a legal document between us that I signed, not something you typed out and wrote on, not acceptable,","date_sent_to_company":"2022-12-03T22:48:17.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"43110","tags":null,"has_narrative":true,"complaint_id":"6275085","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-12-03T22:22:18.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I <em>have</em> never stayed at any apartment complex that requests a <em>share</em> deposit, I <em>have</em> heard <em>about</em> a security deposit but not a <em>share</em> deposit, this is all false, this is a scam, and this is deceptive... remove from my credit report this incorrect <em>information</em>. this <em>share</em> deposit was never mentioned in my lease agreement, I <em>have</em> asked for a year now to show us this in my lease agreement, and they <em>have</em> dropped the ball over a year now, you know why they can not supply the lease agreement with the <em>share</em>"],"issue":["Incorrect <em>information</em> on your report"]},"sort":[15.650262,"6275085"]},{"_index":"complaint-public-v1","_id":"6356922","_score":15.6489105,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, ohio XXXX XXXX XX/XX/2022 Date : Dear Sir or Madam/To Whom It May Concern, On last month I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported erroneously. On 2022 your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. This is a request under FCRA XXXX ( a ) ( XXXX ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA XXXX ( a ) filed with on 2022 ( To be more specific, based on FCRA XXXX ( a ) ( XXXX ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA XXXX ( a ) ( XXXX ). Please reply within 15 days or delete the negative items, as originally requested. Below are the items that do not belong to me that you continue to report erroneously. Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else remove these items immediately. Thank you, reporting incorrect information on my credit report, the company has been out of business for a while now and they are still reporting incorrect information on my credit report, they have forged documents. we have asked for them to supply the original documents that I signed for a share deposit, but they can not supply us with my original signature, that I signed up for this, the documents they have supplied us are typed and then written in not acceptable, I was not told about a share deposit, and I did not sign up for a share deposit. I have never stayed at any apartment complex that requests a share deposit, I have heard about a security deposit but not a share deposit, this is all false, this is a scam, and this is deceptive... remove from my credit report this incorrect information. this share deposit was never mentioned in my lease agreement, I have asked for a year now to show us this in my lease agreement, and they have dropped the ball over a year now, you know why they can not supply the lease agreement with the share deposit because it was never mentioned to me when I signed my lease, please remove, I am asking nicely, next I will be going to court, and you will have to pay all the grieve you have caused me and my family for reporting this scam on my credit report. you know I have an attorney and we are not playing. What is a legal document 's meaning? In short, a legal document by definition is XXXX that outlines an agreement between XXXX or more parties that has been signed by mutual assent and in all other respects can be relied upon in court. please show me a legal document between us that I signed, not something you typed out and wrote on, not acceptable,","date_sent_to_company":"2022-12-23T19:29:22.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"43110","tags":null,"has_narrative":true,"complaint_id":"6356922","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2022-12-23T19:20:27.000Z","state":"OH","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I <em>have</em> never stayed at any apartment complex that requests a <em>share</em> deposit, I <em>have</em> heard <em>about</em> a security deposit but not a <em>share</em> deposit, this is all false, this is a scam, and this is deceptive... remove from my credit report this incorrect <em>information</em>. this <em>share</em> deposit was never mentioned in my lease agreement, I <em>have</em> asked for a year now to show us this in my lease agreement, and they <em>have</em> dropped the ball over a year now, you know why they can not supply the lease agreement with the <em>share</em>"],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.6489105,"6356922"]},{"_index":"complaint-public-v1","_id":"6356906","_score":15.616665,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, ohio XXXX XXXX XX/XX/2022 Date : Dear Sir or Madam/To Whom It May Concern, On last month I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported erroneously. On 2022 your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on 2022 ( To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete the negative items, as originally requested. Below are the items that do not belong to me that you continue to report erroneously. Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else remove these items immediately. Thank you, reporting incorrect information on my credit report, the company has been out of business for a while now and they are still reporting incorrect information on my credit report, they have forged documents. we have asked for them to supply the original documents that I signed for a share deposit, but they can not supply us with my original signature, that I signed up for this, the documents they have supplied us are typed and then written in not acceptable, I was not told about a share deposit, and I did not sign up for a share deposit. I have never stayed at any apartment complex that requests a share deposit, I have heard about a security deposit but not a share deposit, this is all false, this is a scam, and this is deceptive... remove from my credit report this incorrect information. this share deposit was never mentioned in my lease agreement, I have asked for a year now to show us this in my lease agreement, and they have dropped the ball over a year now, you know why they can not supply the lease agreement with the share deposit because it was never mentioned to me when I signed my lease, please remove, I am asking nicely, next I will be going to court, and you will have to pay all the grieve you have caused me and my family for reporting this scam on my credit report. you know I have an attorney and we are not playing. What is a legal document 's meaning? In short, a legal document by definition is one that outlines an agreement between two or more parties that has been signed by mutual assent and in all other respects can be relied upon in court. please show me a legal document between us that I signed, not something you typed out and wrote on, not acceptable,","date_sent_to_company":"2022-12-23T19:29:34.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"43110","tags":null,"has_narrative":true,"complaint_id":"6356906","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-12-23T19:29:29.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I <em>have</em> never stayed at any apartment complex that requests a <em>share</em> deposit, I <em>have</em> heard <em>about</em> a security deposit but not a <em>share</em> deposit, this is all false, this is a scam, and this is deceptive... remove from my credit report this incorrect <em>information</em>. this <em>share</em> deposit was never mentioned in my lease agreement, I <em>have</em> asked for a year now to show us this in my lease agreement, and they <em>have</em> dropped the ball over a year now, you know why they can not supply the lease agreement with the <em>share</em>"],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.616665,"6356906"]},{"_index":"complaint-public-v1","_id":"2818657","_score":15.266992,"_source":{"product":"Checking or savings account","complaint_what_happened":"I have multiple XXXX unauthorized charges on my Citibank Debit card. I calle dand opened the dispute and received affidavits to fill out. I filled them out and then started getting additional letters stating they did not receive the information requested, when in fact I did send everything back. I called two times and spoke with Supervisors stating they would take care of the miscommunication. I explained I don't have any additional information to provide. You can only dispute a charge with XXXX through online forms that require trip details plus my debit information including expiration date. I don't have detail to provide because I didn't take the trips, which is where my dilemma. Citibank keeps closing my dispute and sending me the same letters I've called in about and spoken wit Supervisors about stating I didn't provide info. I'm in an endless loop of letters. I want Citibank to investigate the disputes. The info I've provided is all I have. I have nothing else to provide. Can someone truly investigate these charges fully. I did not take these trips and don't want to be penalized for XXXX sharing my debit card info.","date_sent_to_company":"2018-02-19T14:00:11.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"89031","tags":null,"has_narrative":true,"complaint_id":"2818657","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2018-02-19T13:45:32.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I <em>have</em> nothing <em>else</em> to provide. Can someone truly <em>investigate</em> these charges fully. I did not take these trips and don't want to be penalized for XXXX <em>sharing</em> my debit card info."]},"sort":[15.266992,"2818657"]},{"_index":"complaint-public-v1","_id":"14771099","_score":15.109752,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"Possible finance emailed my wife and confirmed that I had loans with them. This was something that we had not discussed. ( I dont wan na get into my private life. ) but they confirmed to my wife that I had taken loans with them. \n\n\nI am filing this complaint because Possible Finance disclosed details about my personal loan to my spouse without my permission. My spouse emailed the company with a general question, and they responded by stating : This applies to all loans that you and your husband received.\n\nThis clearly confirms the existence of my loan account and links it to her, which violates my right to financial privacy under the Gramm-Leach-Bliley Act ( GLBA ). I never gave Possible Finance written or verbal permission to share any information about my account with anyone else.\n\nI consider this a serious breach of my privacy rights, and I am requesting that this be investigated by the appropriate authorities. I have attached a screenshot of the email that includes the unauthorized disclosure.","date_sent_to_company":"2025-07-21T20:57:01.000Z","issue":"Improper use of your report","sub_product":"Installment loan","zip_code":"514XX","tags":null,"has_narrative":true,"complaint_id":"14771099","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Possible Financial Inc","date_received":"2025-07-21T20:41:24.000Z","state":"IA","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I never gave Possible Finance written or verbal permission to <em>share</em> any <em>information</em> <em>about</em> my account with anyone <em>else</em>.\n\nI consider this a serious breach of my privacy rights, and I am requesting that this be <em>investigated</em> by the appropriate authorities. I <em>have</em> attached a screenshot of the email that includes the unauthorized disclosure."]},"sort":[15.109752,"14771099"]},{"_index":"complaint-public-v1","_id":"6335330","_score":14.950498,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2022, I noticed on my XXXX Credit Report that there were information that is just inaccurate. The number is just way off what it needs to be, and it changes daily which is suspicious. I have addresses on accounts I never knew existed, and have never lived at. I have numbers on there that are not mine! These changes have been going on for a month, and have not stopped. I have tried reaching out to XXXX in order to investigate this, and put a stop to it via their website. I get a refusal from their customer support agent instead, saying that they do not handle such information and another party does. I have not authorized such sharing of information with another party! This is ridiculous! When I signed up on XXXX web site, I checked a box that tells me they respect my privacy. Being notified of that, now my information is exposed. I now have a 30 day late payment, 60 day late payment, other negatives that belong to someone else. This is a serious problem, and is improper. This is costing me ( {$600.00} ) a month just dealing with these inaccuracies on my credit report. \n\nXXXX has information that is not correct as well. Disputed this on the web site, only to get the same result. I received an auto reply from Equifax, and was told they are not receiving any more emails at the time, which I found highly confusing, because they are open and online a lot of the time, so I could not even get through to them. On my credit report, XXXX and Equifax information are certainly not the same as XXXX, and do not make sense. I am unauthorized on all three on the accounts, and having all this deceptive information is not okay. They are continuing to share my information, and they are continuing their deceptive practices. \n\nThis is a violation of my right to privacy according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.\n\nI also did not give consent for my data to be shared, nor do I want it shared. According to 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions. \nI attempted reaching out to all three credit places about this, XXXX, XXXX, and Equifax, only to receive no help. So I am writing to you about this. My credit report is attached for reference. This is damaging my credit, hurting my finances, and causing me stress.","date_sent_to_company":"2022-12-18T20:13:20.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92807","tags":null,"has_narrative":true,"complaint_id":"6335330","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-12-18T20:13:15.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I get a refusal from their customer support agent instead, saying that they do not handle such <em>information</em> and another party does. I <em>have</em> not authorized such <em>sharing</em> of <em>information</em> with another party! This is ridiculous! When I signed up on XXXX web site, I checked a box that tells me they respect my privacy. Being notified of that, now my <em>information</em> is exposed. I now <em>have</em> a 30 day late payment, 60 day late payment, other negatives that belong to someone <em>else</em>."]},"sort":[14.950498,"6335330"]},{"_index":"complaint-public-v1","_id":"6335331","_score":14.948566,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2022, I noticed on my XXXX Credit Report that there were information that is just inaccurate. The number is just way off what it needs to be, and it changes daily which is suspicious. I have addresses on accounts I never knew existed, and have never lived at. I have numbers on there that are not mine! These changes have been going on for a month, and have not stopped. I have tried reaching out to XXXX in order to investigate this, and put a stop to it via their website. I get a refusal from their customer support agent instead, saying that they do not handle such information and another party does. I have not authorized such sharing of information with another party! This is ridiculous! When I signed up on XXXX web site, I checked a box that tells me they respect my privacy. Being notified of that, now my information is exposed. I now have a 30 day late payment, 60 day late payment, other negatives that belong to someone else. This is a serious problem, and is improper. This is costing me ( {$600.00} ) a month just dealing with these inaccuracies on my credit report. \n\nTransunion has information that is not correct as well. Disputed this on the web site, only to get the same result. I received an auto reply from XXXX, and was told they are not receiving any more emails at the time, which I found highly confusing, because they are open and online a lot of the time, so I could not even get through to them. On my credit report, Transunion and XXXX information are certainly not the same as XXXX, and do not make sense. I am unauthorized on all three on the accounts, and having all this deceptive information is not okay. They are continuing to share my information, and they are continuing their deceptive practices. \n\nThis is a violation of my right to privacy according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.\n\nI also did not give consent for my data to be shared, nor do I want it shared. According to 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions. \nI attempted reaching out to all three credit places about this, XXXX, Transunion, and XXXX, only to receive no help. So I am writing to you about this. My credit report is attached for reference. This is damaging my credit, hurting my finances, and causing me stress.","date_sent_to_company":"2022-12-18T20:13:20.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92807","tags":null,"has_narrative":true,"complaint_id":"6335331","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-12-18T20:13:15.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I get a refusal from their customer support agent instead, saying that they do not handle such <em>information</em> and another party does. I <em>have</em> not authorized such <em>sharing</em> of <em>information</em> with another party! This is ridiculous! When I signed up on XXXX web site, I checked a box that tells me they respect my privacy. Being notified of that, now my <em>information</em> is exposed. I now <em>have</em> a 30 day late payment, 60 day late payment, other negatives that belong to someone <em>else</em>."]},"sort":[14.948566,"6335331"]},{"_index":"complaint-public-v1","_id":"6335320","_score":14.948566,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2022, I noticed on my Experian Credit Report that there were information that is just inaccurate. The number is just way off what it needs to be, and it changes daily which is suspicious. I have addresses on accounts I never knew existed, and have never lived at. I have numbers on there that are not mine! These changes have been going on for a month, and have not stopped. I have tried reaching out to Experian in order to investigate this, and put a stop to it via their website. I get a refusal from their customer support agent instead, saying that they do not handle such information and another party does. I have not authorized such sharing of information with another party! This is ridiculous! When I signed up on Experian web site, I checked a box that tells me they respect my privacy. Being notified of that, now my information is exposed. I now have a 30 day late payment, 60 day late payment, other negatives that belong to someone else. This is a serious problem, and is improper. This is costing me ( {$600.00} ) a month just dealing with these inaccuracies on my credit report. \n\nXXXX has information that is not correct as well. Disputed this on the web site, only to get the same result. I received an auto reply from XXXX, and was told they are not receiving any more emails at the time, which I found highly confusing, because they are open and online a lot of the time, so I could not even get through to them. On my credit report, XXXX and XXXX information are certainly not the same as Experian, and do not make sense. I am unauthorized on all three on the accounts, and having all this deceptive information is not okay. They are continuing to share my information, and they are continuing their deceptive practices. \n\nThis is a violation of my right to privacy according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.\n\nI also did not give consent for my data to be shared, nor do I want it shared. According to 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions. \nI attempted reaching out to all three credit places about this, Experian, XXXX, and XXXX, only to receive no help. So I am writing to you about this. My credit report is attached for reference. This is damaging my credit, hurting my finances, and causing me stress.","date_sent_to_company":"2022-12-18T20:13:08.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92807","tags":null,"has_narrative":true,"complaint_id":"6335320","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-12-18T19:24:58.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I get a refusal from their customer support agent instead, saying that they do not handle such <em>information</em> and another party does. I <em>have</em> not authorized such <em>sharing</em> of <em>information</em> with another party! This is ridiculous! When I signed up on Experian web site, I checked a box that tells me they respect my privacy. Being notified of that, now my <em>information</em> is exposed. I now <em>have</em> a 30 day late payment, 60 day late payment, other negatives that belong to someone <em>else</em>."],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[14.948566,"6335320"]},{"_index":"complaint-public-v1","_id":"2369128","_score":14.646607,"_source":{"product":"Mortgage","complaint_what_happened":"I called Amerisave asking about a refi on my investment properties. They made all kinds of promises and after the appraisal the promises was changed. The have done numerous credit checks, one report they done it twice in one day. I gave them permission to do the credit check on XX/XX/XXXX, but not on XX/XX/XXXX and mainly not twice with one bureau. Every week I was assigned someone else to work with, information was messed up and lost due to this being done. I was told my score was to low after spending a month with them and spending {$650.00}. I checked the scores, and they did not match what they said they was, they stated they was not under any obligation to share the report. The score they told me was mine, was not. This company is so unorganized and should be investigated before they take advantage of others. The have a awful rating on sites I found, I should have taken that as a clue not to deal with them, but they made me such a great deal on the first call and down hill from there.","date_sent_to_company":"2017-03-02T23:12:58.000Z","issue":"Application, originator, mortgage broker","sub_product":"Conventional fixed mortgage","zip_code":"457XX","tags":null,"has_narrative":true,"complaint_id":"2369128","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERISAVE MORTGAGE CORPORATION","date_received":"2017-03-02T23:12:58.000Z","state":"OH","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I called Amerisave asking <em>about</em> a refi on my investment properties. They made all kinds of promises and after the appraisal the promises was changed. The <em>have</em> done numerous credit checks, one report they done it twice in one day. I gave them permission to do the credit check on XX/XX/XXXX, but not on XX/XX/XXXX and mainly not twice with one bureau. Every week I was assigned someone <em>else</em> to work with, <em>information</em> was messed up and lost due to this being done."]},"sort":[14.646607,"2369128"]},{"_index":"complaint-public-v1","_id":"6122011","_score":14.158686,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XXXX XXXX there were XXXX unauthorized online transactions made on my Chase Bank account. XXXX transaction was for {$2400.00} and the second was for {$1200.00}. XXXX. I called to notify the bank as these charges were still pending. I was told by the XXXX employee that the transactions had to post before anything could be done about it. I was turned over to the fraud department who then asked me did anyone else have access to my password to this account, to which no one does. This was a savings account I share with my wife, who has her own password. The fraud department discovered that there were XXXX unknown phone numbers that were recently attached to my profile. The numbers never belonged to me, so they deleted them. They told me my account was compromised and changed my savings account number and issued me a new credit card. The bank came back after months of spending time claiming that they don't see any issue with the online transactions. The bank would not give me any information to where the money was transferred to or from what computer the transactions were done on. I have yet to hear anything else on this matter. I filed a police report to try and investigate this case. The detective did find out the unknown phone numbers were to burner phones used in California and law enforcement would not follow up since the crime was from another state. Chase bank did not respond to XXXX XXXX  the detective sent to get more information on this case.","date_sent_to_company":"2022-10-24T18:04:46.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"34787","tags":null,"has_narrative":true,"complaint_id":"6122011","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2022-10-24T16:34:22.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The bank would not give me any <em>information</em> to where the money was transferred to or from what computer the transactions were done on. I <em>have</em> yet to hear anything <em>else</em> on this matter. I filed a police report to try and <em>investigate</em> this case. The detective did find out the unknown phone numbers were to burner phones used in California and law enforcement would not follow up since the crime was from another state."]},"sort":[14.158686,"6122011"]},{"_index":"complaint-public-v1","_id":"5812101","_score":14.079407,"_source":{"product":"Checking or savings account","complaint_what_happened":"I assure that I have not shared my financial information or authorized anyone else but myself to use my debt card/access financial information, the debit card is in my possession as well. \nScenario : XX/XX/XXXX ATM was charged for a purchase at XXXX LA for the amount of {$140.00}, this was declined from my bank and detected as a fraud alert. To add this was the second time it happened for a amount of {$300.00}, at first, since the transaction got declined, I didnt think much about it and guessed as a system error, until this incident happened. \nXX/XX/XXXX ATM was charged for a purchase at XXXX XXXX, CA for the amount of {$210.00}, which got approved by my banking without any XXXX authentication/fraud alert. \nActions - Contacted bank to replace my debit card, also filed a fraud claim which will take 10 days investigation. \n- I called XXXX hoping to cancel the order, associate informed that the order was already picked up XXXX minutes passed. He informed the order was done online and it was a big order of XXXX pizzas mentioned. \n- Filed Police Report next day XX/XX/XXXX XXXX","date_sent_to_company":"2022-07-26T14:55:10.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"92114","tags":null,"has_narrative":true,"complaint_id":"5812101","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2022-07-26T14:27:46.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I assure that I <em>have</em> not <em>shared</em> my financial <em>information</em> or authorized anyone <em>else</em> but myself to use my debt card/access financial <em>information</em>, the debit card is in my possession as well. \nScenario : XX/XX/XXXX ATM was charged for a purchase at XXXX LA for the amount of {$140.00}, this was declined from my bank and detected as a fraud alert."]},"sort":[14.079407,"5812101"]},{"_index":"complaint-public-v1","_id":"3649425","_score":14.075575,"_source":{"product":"Mortgage","complaint_what_happened":"Vanderbilt Mortgage and Finance refused to foreclose on my mortgage after I filed for Chapter XXXX bankruptcy without reaffirming my loan back in XXXX. They stated that as long as someone was paying the payments they were allowed to accept them. My ex-husband, whom was never listed on the loan in any way, continued to call in and make phone payments on the loan. In the past year they have also added more money to the original loan to pay back property taxes that accrued and were owed from the time I was released from the debt. I was told several times that this was legal and that although they have never changed the loan into someone else 's name, they will continue to accept payments from whomever is squatting there. I called back in XXXX to ensure that my information stays confidential and made it crucial that my personal information was not shared with my ex-husband due to a restraining order and other domestic issues. The account representative then spoke to my ex-husband and shared not only that I called and requested this, but also shared my contact information with him at the time. I moved in XXXX and updated my mailing address with the mortgage company to keep track of the loan that is still in my name. On XX/XX/XXXX an account representative allowed my ex-husband to call and change addresses to get my information including my new home address, and he was able to get my loan information sent to him directly. Vanderbilt has breached my confidentiality on more than one occasion and this needs to be investigated. I am not only responsible for HOA fees where my mortgage has not been foreclosed and my only recourse is to evict my ex-husband that is squatting there, but now I am in danger due to the breach of my personal information by Vanderbilt and his new ability to find me at my new residence. I have called several times to share this with the company and they state that because I am not longer liable for the loan due to my bankruptcy that they are now allowed to talk to anyone that calls about the account whether they are authorized or not. This is not okay!!! If they are allowed to talk to other people then they need to take my name and personal information off the loan and change ownership of the mortgage!! I have been dealing with this issue for several years and I hope someone can shed some light onto why this is happening and how to fix the problem. I should not have to deal with this for 30 years.","date_sent_to_company":"2020-05-13T05:52:40.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"85120","tags":null,"has_narrative":true,"complaint_id":"3649425","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"VANDERBILT MORTGAGE & FINANCE, INC","date_received":"2020-05-13T01:20:22.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I called back in XXXX to ensure that my <em>information</em> stays confidential and made it crucial that my personal <em>information</em> was not <em>shared</em> with my ex-husband due to a restraining order and other domestic issues. The account representative then spoke to my ex-husband and <em>shared</em> not only that I called and requested this, but also <em>shared</em> my contact <em>information</em> with him at the time."]},"sort":[14.075575,"3649425"]},{"_index":"complaint-public-v1","_id":"2302888","_score":13.826644,"_source":{"product":"Credit reporting","complaint_what_happened":"Equifax did not take my statement or investigate my dispute. When I spoke to their customer rep they stated to me more than once they do not investigate. They asked the company who reported to Equifax to investigate. When I spoke to one of their supervisor 's by the name of XXXX XXXX stated to me that they investigate by sending supporting evidence to the company who reported to Equifax. I asked XXXX XXXX is there a way that Equifax could do their own investigation by looking at my bank statements, proof of payments, and my electronic automatic payment statement from XXXX, and she stated to me no! I asked XXXX XXXX why would you accept the statement of XXXX and not look at my proof from a accredited bank that has been in business for over 100 years. She stated to me it is not Equifax responsibility to look at the customers information, but only accept what has been reported by the company who has reported to us. I said to her that they could report anything to you guys without proof, and the only thing she stated to me was \" If XXXX lies I could sue them '' When I asked to speak to another supervisor she stated to me that she was the only one I could speak to. I requested to speak to her supervisor, and she stated to me that I was the only person I could speak to. Then I asked her that I need to file a complaint, and she stated to me what the complaint is about? I said to her that I prefer to speak to someone else about the issue. She stated to me that I need to mail my complaint. I asked her why I could not file my complaint over the phone, and she stated Equifax does not accept complaints over the phone. Then she said if there is nothing else she could help me with she was going to hang up. I tried to ask her some more information, and she hung up on me. I called back and talked to another person who stated to me that they will take down my complaint and send me an apology letter. \n\nI have all of the conversations with Equifax recorded as proof. I would like for Equifax to correct this problem by thoroughly investigate this problem, and not just accept what XXXX will give them as proof. If not I will share my conversations with the people that will read this complaint.","date_sent_to_company":"2017-01-23T02:42:18.000Z","issue":"Credit reporting company's investigation","sub_product":null,"zip_code":"85142","tags":null,"has_narrative":true,"complaint_id":"2302888","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-01-23T02:42:18.000Z","state":"AZ","company_public_response":null,"sub_issue":"Problem with statement of dispute"},"highlight":{"complaint_what_happened":["I tried to ask her some more <em>information</em>, and she hung up on me. I called back and talked to another person who stated to me that they will take down my complaint and send me an apology letter. \n\nI <em>have</em> all of the conversations with Equifax recorded as proof. I would like for Equifax to correct this problem by thoroughly <em>investigate</em> this problem, and not just accept what XXXX will give them as proof. If not I will <em>share</em> my conversations with the people that will read this complaint."],"issue":["Credit reporting company's <em>investigation</em>"]},"sort":[13.826644,"2302888"]},{"_index":"complaint-public-v1","_id":"8488972","_score":13.8233595,"_source":{"product":"Checking or savings account","complaint_what_happened":"I received an email from credit karma about my money spend account password being changed at XXXX on XX/XX/24. I did not change my password so I attempted to sign in but couldnt because someone else changed my password. So i reset my password and while i was in the process I received another email at XXXX on XX/XX/24 that my phone number on file had been changed which I also did not do. By the time I was on my account {$1300.00} and a fee of XXXX was instant transferred out of my account to a debit card that I didnt recognize the number to. So I contacted XXXX XXXX and filed a dispute for the charges. I provided them with all the information they requested and I received an email on XX/XX/24 that my dispute was denied and their investigation deemed no errors for the transaction. I called credit karma again today XX/XX/24 and filed an appeal on their decision and requested a detailed explanation for their reason to deny my claim. This is the second time in 3 months that someone has gained access to my account and taken my money. I even changed all my security settings and had them send a new card the last time. I have not used this card to purchase anything online and have never shared my password or any information about this account with anyone.","date_sent_to_company":"2024-03-06T23:16:30.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"45211","tags":null,"has_narrative":true,"complaint_id":"8488972","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Credit Karma, LLC","date_received":"2024-03-06T22:50:29.000Z","state":"OH","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I <em>have</em> not used this card to purchase anything online and <em>have</em> never <em>shared</em> my password or any <em>information</em> <em>about</em> this account with anyone."]},"sort":[13.8233595,"8488972"]},{"_index":"complaint-public-v1","_id":"11283401","_score":13.791185,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Using Cas.App. \nXXXX XXXX. Funds sent to me {$360.00}. I opted to save on fees of est. XXXX, for funds to transfer to my account on Tuesday XXXX XXXX. \nIt was the option with reasonable expectation. Epic fail. No transfer to my account on XX/XX/year>. As of today, no deposit in my account. This is not my first time using this app. I have a lengthy history. Performance pretty standard. I havecreach out to the customer service with issue. No resolve. \nPer cash app response : Thanks for the information and I understand your concern and appreciate you letting us know. I've logged this complaint for review and if you do not have anything else to add to this complaint, I'd like to continue assisting you with your support case. For reference, your case number is XXXX. \n\nIf I don't hear back from you regarding this complaint, I will assume you recognize and understand the resolution. \nYou didn't select the instant withdrawal, it's a standard and I have captured your issue as a complaint and I want to assure you that we have reviewed all of the information that you provided to us. \n\nWhile I have taken the action to address your concern ( s ), I will need to resolve the complaint portion of your case since no new information was provided. If you have new supporting information that you feel we should consider, we invite you to provide it. With that, I do want to share with you that your concerns have been documented, and will be used to improve our operations. \n\nIf you have any questions or concerns with anything else about your account separate from this concern, please let me know here. \n\n\nThis needs to be investigated. And I need to be compensated for inconvenience and suffering. \n\nI remain, XXXX XXXX","date_sent_to_company":"2024-12-27T14:11:06.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"30815","tags":null,"has_narrative":true,"complaint_id":"11283401","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2024-12-26T13:57:54.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["With that, I do want to <em>share</em> with you that your concerns <em>have</em> been documented, and will be used to improve our operations. \n\nIf you <em>have</em> any questions or concerns with anything <em>else</em> <em>about</em> your account separate from this concern, please let me know here. \n\n\nThis needs to be <em>investigated</em>. And I need to be compensated for inconvenience and suffering. \n\nI remain, XXXX XXXX"]},"sort":[13.791185,"11283401"]},{"_index":"complaint-public-v1","_id":"6642156","_score":13.171626,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Fraudulent credit card purchases were made using my Aspire credit card account. On XX/XX/2023 a charge of {$1000.00} at XXXX XXXX XXXX XXXX was made and on XX/XX/2023 a charge of XXXX at XXXX XXXX XXXX was made that I DID NOT DO. Then there were multiple denied charges because there wasnt enough available credit after the robber used up most of the money. I filed a fraudulent charge affidavit but I was still denied because the merchant claims I didnt report the card stolen in time and I logged in around the same time the purchases were made but this is NOT TRUE. I reported the card stolen soon as I found out about the charges the very next day when I got an email describing authorized charges. If the merchant had thoroughly checked the IP address of the log in & the device that was used they will clearly see that it wasnt the same one I have always used when the account was first opened. I did not log in until I received the email about the charges on XX/XX/2023 at XXXX, anybody else around that time frame was not me and came from a different device & IP. The fraudulent charges were made in New York but yet I live in Georgia. I dont know what type of data breach has happened on the merchants end but I just want this to be resolved because I deserve some justice and there needs to be an investigation on who really stole my information. Please refund the money back to the account, I am a victim of FRAUD here & did not share my information with anyone.","date_sent_to_company":"2023-03-03T06:17:50.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"30238","tags":null,"has_narrative":true,"complaint_id":"6642156","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Atlanticus Services Corporation","date_received":"2023-03-03T05:46:17.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["Please refund the money back to the account, I am a victim of FRAUD here & did not <em>share</em> my <em>information</em> with anyone."]},"sort":[13.171626,"6642156"]},{"_index":"complaint-public-v1","_id":"12093841","_score":12.968857,"_source":{"product":"Debt collection","complaint_what_happened":"This company purchased medical debt that supposedly belong to me. XXXX XXXX XXXX also violated my rights by sharing private medical information about me with this company. Such as procedures and personal medical information that is protected by hepa. When I called down to the XXXX XXXXXXXX XXXX the clerk read off personal private procedures that were supposedly done on me. I believe that this violated HEPA law and I would like to file a formal complaint against this company. Also this company had shared the same information with my employer so now that my employer knows about private medical procedures that I had had which is also a violation of HIPAA. I've repeatedly asked this company to provide me with proof that I had any kind of contract with them. Also this supposed debt should have been paid through health insurance the collection company is Credit management services in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am appalled that such personal information is being passed back and forth between multiple offices between XXXX XXXX XXXX XXXX in XXXX XXXXXXXX XXXX this collection company and the XXXX XXXX XXXX now everybody knows exactly what procedures I had done my next step will be to hire private attorney and file a lawsuit for a hepa violation. Best company continues to collect and try to collect to call my neighbors and family members even when they were told not to contact anybody. They constantly pretend they're different people and have left many voicemails which I can provide pretending to be other organizations or Community businesses their collection practices are illegal and should be closely monitored by this organization. I would hope that this company would pause this collection until this investigation is done. I believe that this company is used to violating people 's rights and hiding it from this organization from finding out. I believe that this company has broken many federal laws and I believe that a though investigation of my case and many other medical cases that they have acquired should be done. I believe they should pause their medical debt collection until somebody can figure out if they're violating multiple HEPA laws and multiple federal laws based on Fair collections. After a conversation with one of the agents I actually kind of am fearing for my life that they will share personal information with people to get me to pay they have already called my neighbors and sent text messages pretending to be my friend. I believe that they have unlawfully obtained and looked at my personal credit report to obtain information without my permission to contact any person that they can with my last name or anybody that might be related to me or any neighbor or anybody within a two block vicinity of my personal home or business. I would ask this organization to please tell them to pause their collections until a thorough investigation is done. I also believe that when they serve their paperwork it was giving to somebody else other than me a neighbor. Because the documents that were served were left with someone other than me. Someone that clearly was not even related to me who would be willing to come to court and testify. I was horrified when a clerk of XXXX XXXX XXXX had read every single one of my supposed medical procedures my personal HEPA protected information. \n\nThank you XXXX XXXX","date_sent_to_company":"2025-03-24T12:29:21.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Medical debt","zip_code":"680XX","tags":null,"has_narrative":true,"complaint_id":"12093841","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Credit Management Services, Inc.","date_received":"2025-02-15T04:09:03.000Z","state":"NE","company_public_response":null,"sub_issue":"Seized or attempted to seize your property"},"highlight":{"complaint_what_happened":["After a conversation with one of the agents I actually kind of am fearing for my life that they will <em>share</em> personal <em>information</em> with people to get me to pay they <em>have</em> already called my neighbors and sent text messages pretending to be my friend."]},"sort":[12.968857,"12093841"]},{"_index":"complaint-public-v1","_id":"15277502","_score":12.965513,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX, I disputed several transactions with Wells Fargo that were associated with XXXX. \n\nThere were XXXX transactions of increasing amounts that were charged and immediately refunded ( probably testing to see how much I had in the card ) and then a final transaction of about {$130.00} was made and not refunded. This charge was associated with XXXX. \n\nI disputed the charge as fraud, the Wells Fargo associates deactivated my card and sent a new one through the mail. A few days later ( before my new card arrived ) the same transaction of about {$130.00} was pushed through and I saw the money go out of my account while the previous card was deactivated. I had no way to make this purchase, and Im certain it was not me.\n\nI disputed it again, to no avail. This time, Wells Fargo sent an update about the case saying they found no fraudulent activity. I tried to call again and again to open a new case or reopen the existing one but they said they could not help and that the case was closed. I was advised to contact the merchant I contacted XXXX, and they explained that the purchase was made online and was probably linked to my XXXX account. I was not linked to my XXXX account when they further investigated. In fact, Ive never had any purchase on my XXXX account. And this is my only XXXX account, meaning it had to be made through someone elses XXXX account using my card. \n\nI have never shared my card information, pin, XXXX XXXX, etc. I am the only one who has ever had access to my card or who knows the pin and I do not have the pin written down anywhere","date_sent_to_company":"2025-08-15T02:50:26.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"83706","tags":null,"has_narrative":true,"complaint_id":"15277502","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-08-15T02:37:36.000Z","state":"ID","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I was not linked to my XXXX account when they further <em>investigated</em>. In fact, Ive never had any purchase on my XXXX account. And this is my only XXXX account, meaning it had to be made through someone <em>elses</em> XXXX account using my card. \n\nI <em>have</em> never <em>shared</em> my card <em>information</em>, pin, XXXX XXXX, etc. I am the only one who has ever had access to my card or who knows the pin and I do not <em>have</em> the pin written down anywhere"]},"sort":[12.965513,"15277502"]},{"_index":"complaint-public-v1","_id":"13327121","_score":12.914995,"_source":{"product":"Credit card","complaint_what_happened":"CFPB Complaint Narrative Company : Navy Federal Credit Union Product : Credit card Issue : Unauthorized transactions Account/Card Ending : XXXX Date of initial dispute : XX/XX/2024 Amount disputed : {$480.00} I am filing this complaint to report and document my ongoing dispute with Navy Federal Credit Union regarding unauthorized transactions on my credit card ending in XXXX. \n\nI initially submitted a fraud claim to Navy Federal on XX/XX/2024, disputing charges totaling {$480.00}. These were all online transactions for items I did not authorize, including purchases from XXXX and a charge related to XXXX  medication. I did not receive any of the merchandise from these charges at my residence. My card was in my possession the entire time, and I have never shared it with anyone. \n\nIn response, Navy Federal issued a message stating that \" no error has occurred '' after a \" thorough investigation. '' However, they did not provide any explanation or detail on how this determination was made. I called customer service and verbally requested the methods used in their investigation, but I believe my concern was never properly documented. \n\nI have since submitted a second review request, which includes a formal police report filed with the XXXX Police Department and this complaint to the Consumer Financial Protection Bureau. I am attaching the police report as supporting documentation. \n\nIn my second review, I clarified : Why the claim should be honored : These were unauthorized, online transactions. I did not benefit from or receive the products. \nPossession of the card : The physical card was with me at all times. \nPossible compromise : I believe the card information was stolen at a diner during travel in late XX/XX/2024, possibly around XX/XX/XXXX. \nNo shared use : I have never allowed anyone else to use my card. \nNo merchandise received : None of the fraudulent items were delivered to me. \nThis is a sincere and honest request for assistance. I respectfully ask the CFPB to investigate and ensure that Navy Federal provides transparency about how they reached their initial decision. I believe this matter was wrongly closed, and with the new documentation, it deserves to be fairly reconsidered.","date_sent_to_company":"2025-05-04T15:14:41.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"60653","tags":null,"has_narrative":true,"complaint_id":"13327121","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-05-04T14:50:22.000Z","state":"IL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["Possible compromise : I believe the card <em>information</em> was stolen at a diner during travel in late XX/XX/2024, possibly around XX/XX/XXXX. \nNo <em>shared</em> use : I <em>have</em> never allowed anyone <em>else</em> to use my card. \nNo merchandise received : None of the fraudulent items were delivered to me. \nThis is a sincere and honest request for assistance. I respectfully ask the CFPB to <em>investigate</em> and ensure that Navy Federal provides transparency <em>about</em> how they reached their initial decision."]},"sort":[12.914995,"13327121"]},{"_index":"complaint-public-v1","_id":"3044695","_score":12.711887,"_source":{"product":"Checking or savings account","complaint_what_happened":"On Sunday XX/XX/XXXX, I received a text message from Chase asking if I had made a {$140.00} transaction on my checking account through my debit card. I followed the instructions on the text, by calling the number provided to inform the bank that I did not make that transaction and the debit card was always in my possession. The representative informed me that they would close the debit card immediately, issue me a new one, and that the amount had not been taken from my account, since it got flagged as fraud. I hung up and looked further into my accounts online and found that both of my savings accounts ( with thousands of dollars in them ) had been completely withdrawn, to a XXXX balance, and transferred into my checking account. After the transfer was made, I noticed that {$1000.00} had been withdrawn at a specific ATM in XXXX ( I live in CA ), a debit card charge to a XXXX in XXXX, and then another debit card charge for {$2500.00} in FL at a grocery store. I immediately called Chase back ( as I had not received any other notifications about these charges ) to inform them of these fraudulent charges and transfers on my account. I had a difficult time getting access to my information, as no matter who the Chase representative I spoke with that day, they told me that all the ways to authenticate me were not working ( text messages to my phone, account numbers/debit card numbers/PINS. After speaking with several chase representatives on XXXX XXXX, whom shared with me that they will not give out their names, because it was company policy not to, I received the following information. \n\nI was told that I made the transfers from my savings accounts to my checking when I called Chase earlier on XX/XX/XXXX. I shared that this was not me, and asked for clarification that someone called Chase impersonating me, and somehow got access to my accounts? To which they said that was correct. I asked how that was possible with all the security questions and authentication process, and I was told that the person passed the authentication process but I was not allowed to know any further information about what happened/what questions were asked, as that was Chases internal policy. I was informed that someone put a travel alert on my account, which may have been why transactions were allowed. I was transferred to another representative about ensuring this doesnt happen in the future by adding a security code to the account when calling in. when speaking with him, he said he was happy to do so, but it wasnt necessary since there wasnt any compromises via phone. I repeated my story, and firmly stated that it was compromised via phone, which another representative informed me. He said he would have to look into this before putting the security code on the account. I waited and when he returned he apologized for the misinformation and said he would help place the code on the account. I was also told that I would need to visit a local Chase branch to be authenticated and have my accounts unlocked, because my voice could not be authenticated. \n\nBecause Chase would not provide me with any information about the phone conversation/what security questions the impersonator passed, I was concerned for my personal identity being stolen. I then called my local police department on XXXX XXXX to file a report about identity theft and what had occurred with the bank. \n\nOn XXXX XXXX, I went to a local Chase branch and spoke with, honestly, the most helpful Chase representative through this incident, about what happened. She helped me close out all my accounts and open new ones, transferring the money into the proper accounts. She informed me that someone else should not have been able to have phone access to my account, unless they knew me, with all the questions that get asked. She was able to read through the notes on my account and informed me that the person indeed made the transfers via phone, and also added my debit card onto an XXXX XXXX account, which ( she thinks ) is how the impersonator was able to access the accounts via ATM without the physical debit card. She was able to see on the account, both ATM transactions ( {$140.00}, and {$1000.00} ) which happened at a very specific Chase Bank in XXXX, NY. She noted that when the impersonator was not able to get the {$140.00} at one ATM, they moved to another ATM at the same bank, and were able to get the {$1000.00} out 16 minutes later. The representative also provided me with the address at which the FL transaction happened on the same day, since that one was not done online either. I asked how all that was possible since the bank had already flagged the {$140.00} as possible fraud. She was unable to provide me an answer and offered to call the fraud department with me to see if we could get further information. When speaking with the fraud department, they said theyd like to put a security code/pin on the account to make it more secure. I informed the representative that there already is a pin on the account, which she didnt ask me about before discussing the account. She noted that there was one on the account and asked me for it. She then changed the story of what was shared with me earlier and stated that the transfers on my accounts were not made via phone ( despite what the in-person representative could see on my account ) but were not able to tell me how they were done if not by phone. I asked again for clarification about what was asked when the impersonator called in, to which I was told Im not able to have access to that. I shared my elevated concerns with the branch representative about my identity being stolen, and not understanding why Chase wont give me the information about my accounts that were compromised. The helpful representative placed an inquiry to Escalations within Chase and informed me that someone from this department would be calling me in the next 48hrs to discuss my concerns/complaints. \n\nOn XXXX XXXX, XXXX from Escalation called me to discuss the situation. I asked for his full name, to which he reported that its Chases policy not to provide full names. I asked about all the questions above, and in specific what the conversation with the impersonator entailed. XXXX informed me that the impersonator was not asked to provide the card number or the PIN to the card number, which is all he knew at that time. I asked to have access to listen to the phone conversation since it was about my accounts and the person was claiming to be me. I was told access is only allowed to Chase employees in a certain department. I asked for follow up about the conversation if I couldnt hear it myself, including what was specifically asked by Chase, if the person wasnt asked for the PIN or the card number. I also wanted to know what the impersonator asked for after they were authenticated. XXXX told me that he would call me back in a few days with updates/answers to my questions. \n\nOn XXXX XXXX XXXX called me back to inform me that the impersonator had provided a Chase representative with my Social Security number and an address. When clarifying what address was given, XXXX gave me the address of my last residency ( not current ). He also reported that, as far as he can see thats all that was asked of the impersonator. I then asked, so your telling me that someone was able to access my account by providing my S.S number and an OLD address, thats it? XXXX did not give me a confirmed yes or no answer and said that he would be following up to ensure that was the correct address he was given by another department. He proceeded to tell me that the impersonator, once authenticated, asked for what accounts are linked to my debit card? and what were the last three direct deposits on the account? I asked again how this was all possible and why other questions were not asked he said hed look into it and provided his guess/assumption of what happened that the person asked for the account information via phone, then possibly called Chase back using the automated system and transferred the money that way. I asked about the authentication process and voice recognition, how the impersonator was recognized but when I called in to report/discuss the fraud, my voice could not be authenticated why? He said he would look into that as well and get back to me. I asked what Chases process is in regards to investigating this incident and if they are working with law enforcement. I also asked if Chase has the ability to see what number the person is calling into with, to help find the person. XXXX informed me that he can not give me that information because what if you try to find the person yourself. I clarified that I was not looking for the number, just wanted to know if Chase was working on investigating the situation through various ways, including knowing the number someone called in, knowing the very specific ATM that someone took the money out of, etc. I shared concern that if it wasnt investigated soon, the surveillance evidence at the ATM would be gone. He said he would get back to me soon with an update on where the investigation was at and provide me with other answers. \n\nI also went to my local Chase bank on this day to speak with the kind representative about why the compromised checking account appeared to be over drafted, and shared my concern that I would be given fines for that. She clarified that the overdraft was because of the fraudulent amounts taken out, and I would not be charged with fees since it was fraudulent. She also confirmed that the money taken out of the account has been temporarily placed back into my account while its being investigated. We called the fraud department to see if they could provide us with updates, since I was present with a Chase representative. They transferred us over to the claims department, as they said thats who handles the investigations. We spoke with XXXX ( sp? ) who shared that I wont be informed when the investigation is complete or its outcome, but she was sure that Chase was working with law enforcement. She then said, I take that back, you will be notified, you just wont know the outcome/who did it ; its one of those things youll just see in the newspaper. I asked about the travel alert on the account, and how that was placed and she informed me that there was no travel alert on the account. After going back and forth about what other Chase representatives have told me, she was not able to give me a direct answer about what happened with the travel alert other than there was not one currently on the account. I discussed my concern about how someone was able to obtain information about my accounts with no security questions asked and my concern on Chases part that the questions asked by the impersonator wouldnt be flagged as suspicious. As if to comfort me, she explained that this was not a systems issue, it was a people issue/mistake that someone shared information that they shouldnt have and all they needed was some training. \n\nOn XXXX XXXX, I called the claims department returning their call to me about one of my claims. I spoke with XXXX who informed me that I needed to fill out two claims forms, one for the {$1000.00} and one for the {$2500.00}. I explained that I had already filled one out on XXXX with a local Chase branch for the higher amount, and we werent told one needed to be done for the {$1000.00}. I said I would go to the local bank to have it completed. I asked about the investigation process to which she was only able to provide me with the investigation end dates ( XXXX XXXX for the {$1000.00} and XXXX XXXX for the {$2500.00} ) and clarify that there were two investigations. \n\nOn XXXX XXXX, the police officer whom I made the report with called to ask for further information and to inform me that he called Chase bank to inquire/investigate what happened and the bank told him they wouldnt give him any information. He asked me to contact to bank and ask for the information he was looking for. I shared that Ive asked all those questions already and nobody will give me the answers. \n\nOn the same day, I was contacted by a Chase representative in Escalations in place of XXXX to follow up. I asked all the questions I asked XXXX, to which the representative said they can not provide any further information as its Chases policy and that law enforcement would need to get involved. I then asked whether Chase was working with law enforcement already regarding the incident and she reported, no, that it was the customers responsibility to involve law enforcement. I asked for a number/department that law enforcement could call, since the officer who was helping me was told he couldnt get information. She provided me with a number to global security and investigations and also shared that Chase most likely wouldnt share the information with them through that number either, unless law enforcement provides them with a subpoena. \n\nI find this whole incident and process incredibly frustrating and alarming that something like this could happen and Chase is placing the responsibility of investigating on the customer, as well as withholding information about what/how this happened internally. Chase will not provide me with identify theft support/monitoring, and if thats the customers responsibility to monitor/investigate, Chase is not providing me with the information I need to protect myself. I am incredibly disappointed with the customer service, receiving different stories, and the lack of concern that this happened. Because of how this incident was handled, and for the fact that Im not being provided information on how this happened with Chase, I am looking into banking elsewhere. I do not feel my information or my money is secure with Chase.","date_sent_to_company":"2018-10-12T20:10:52.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"94546","tags":null,"has_narrative":true,"complaint_id":"3044695","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2018-10-12T19:46:35.000Z","state":"CA","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I said I would go to the local bank to <em>have</em> it completed. I asked <em>about</em> the <em>investigation</em> process to which she was only able to provide me with the <em>investigation</em> end dates ( XXXX XXXX for the {$1000.00} and XXXX XXXX for the {$2500.00} ) and clarify that there were two <em>investigations</em>."]},"sort":[12.711887,"3044695"]},{"_index":"complaint-public-v1","_id":"16926974","_score":12.696402,"_source":{"product":"Debt or credit management","complaint_what_happened":"XX/XX/scrub>XXXX XXXX XXXX Consumer Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : Formal Complaint Against Freedom Debt Relief Regarding Unilateral and Predatory Amendment to Debt Resolution Agreement To Whom It May Concern : I am writing to file a formal complaint against Freedom Debt Relief, hereafter \" the Company, '' regarding a unilateral amendment made to my Debt Resolution Agreement ( DRA ). I believe this amendment, dated XX/XX/year>, introduces unfair, deceptive, and abusive terms that severely harm my interests as a consumer and potentially violate consumer protection laws. \n\nOn XXXX about XX/XX/year>, I received a notice that Section XXXX ( f ) of my DRA was being amended. The new clause grants the XXXX the right to assign all of its rights and obligations under our agreement to any third party, at any time, without my prior notice XXXX consent. \n\nThe specific terms of this amendment are profoundly harmful for the following reasons : XXXX. Complete Loss of Consumer Choice and Control : I entered into this agreement with Freedom Debt Relief based on my research and trust in their specific services. This amendment allows them to transfer my entire financial account to an unknown, and potentially less reputable, entity without my permission. I am being forced into a relationship with a company I did not choose and have not vetted. \nXXXX. Erosion of Accountability and Legal Recourse : The amendment states that if the Company assigns the agreement, it is \" released from our obligations to you. '' This is an egregious term that absolves the Company of all responsibility for the service I contracted for. If the new entity provides poor service, acts unethically, XXXX breaches the contract, my ability to seek recourse from the original party I hired is severed. \nXXXX. High Risk of Service Disruption : The transfer of my account between servicers creates a significant risk of administrative errors, loss of progress in negotiations with my creditors, and a breakdown in communication. I may lose the relationship with a dedicated negotiator who understands my case, leading to delays that could cost me more money and worsen my financial situation.\n\n4. Introduction of Undisclosed Third-Party Financial Risk : The clause allowing the Company to pledge my agreement and its right to my fees as collateral for a loan is alarming. It means that a third-party lender, with no obligation to me, could acquire a financial interest in my debt resolution plan. If the Company defaults on its loan, my sensitive financial agreement could be seized by a bank, adding a layer of risk I never agreed to.\n\nThis amendment fundamentally alters the nature of our agreement from a service contract into a transferable financial instrument, solely for the Company 's benefit. It strips me of my rights as a consumer and exposes me to substantial financial and legal harm. The minor provision to notify me of a servicer change after the fact is entirely inadequate and does not mitigate the severe risks imposed. \n\nI believe these practices are unfair and deceptive. I entered into a contract in good faith, and this unilateral change destroys the foundation of that agreement. \n\nI am requesting that the Consumer Protection Bureau : Investigate Freedom Debt Reliefs use of these unilateral amendment practices.\n\nDetermine whether these clauses violate consumer financial protection laws regarding unfair, deceptive, or abusive acts or practices ( UDAAP ). \nTake appropriate action to halt the use of these predatory clauses and protect me and other consumers from these harmful terms. \nI have attached a copy of the amendment notice and my original Debt Resolution Agreement for your review. Thank you for your attention to this serious matter. I can be reached at the phone number or address above if you require any further information. \n\nSincerely, X Signature Enclosures : Copy of Amendment Notice dated XX/XX/year> : Amendment to Debt Resolution Agreement Last updated : XX/XX/year> Section XXXX ( f ) of your Debt Resolution Agreement is amended to add the following to Section XXXX ( f ) : We may assign all or any portion of our rights and obligations under this Agreement to any person or entity. This may happen at any time and without notice to you. If we assign all of our rights and obligations under this Agreement, we will be replaced as a party to this Agreement by that person or entity and released from our obligations to you. In that case, we will continue to provide the debt relief services described in this Agreement as a servicer on behalf of the person or entity that we assign to, unless we are unable to do so or are terminated as servicer. If we are unable to provide services or are terminated as servicer, the person or entity that we assign to will seek to appoint a different provider to service your Agreement. You will be notified of the name, address, and telephone number of the new provider within fifteen ( 15 ) days of any such change in servicer. Notwithstanding any other provision of this Subsection 7 ( f ), we may at any time pledge or grant a security interest in all or any portion of our rights ( including rights to payment of our fees ) under this Agreement to secure our obligations, including, but not limited to, any pledge or security interest granted to ( i ) a collateral agent, collateral trustee or indenture trustee and ( ii ) a Federal Reserve Bank, without notice to you or your consent.\n\nCopy of Original Debt Resolution Agreement FACTS WHAT DOES FREEDOM DEBT RELIEF , LLC ( \" FREEDOM '' ) DO WITH YOUR PERSONAL INFORMATION?\n\nwhy Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. \n\nWhat? \nThe types of personal information we collect and share depend on the product XXXX service you have with us. \nThis information can include : Social Security number, XXXX XXXX, credit card, XXXX other debts Name and contact information, account balances and transaction history Income and employment information How? \nAll financial companies need to share customers ' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers ' personal information ; the reasons Freedom chooses to share ; and whether you can limit this sharing. \nReasons we can share your personal information Does Freedom share?\n\nCan you limit this sharing?\n\nFor our everyday business purposes such as to process your transactions, maintain your account ( XXXX ), respond to court orders and legal investigations, XXXX report to credit bureaus Yes No For our marketing purposes to offer our products and services to you Yes No For joint marketing with other financial companies Yes No For our affiliates everyday business purposes information about your transactions and experiences Yes No For our affiliates everyday business purposes information about your creditworthiness Yes Yes For our affiliates to market to you Yes Yes For nonaffiliates to market to you Yes Yes To limit our sharing Call XXXX ; XXXX, Complete the form online : XXXX XXXX XXXXXXXX. \nPlease note : If you are a new customer, for those types of information where you have a right to limit our sharing, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer a customer, we continue to share your information as described in this notice. \nHowever, you can contact us at any time to limit our sharing. \nQuestions? Please contact us as noted above XXXX visit XXXX online at https : //www.freedomdebtrelief.com/freedom-debt-relief- Who we are Who is providing this notice? Freedom Debt Relief , LLC ( Freedom ) What we do How does Freedom protect my personal information? \nTo protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. \nHow does Freedom collect my personal information? \nWe collect your personal information, for example, when you Fill out an application XXXX provide lead information XXXX an account XXXX give us your income information Provide account information XXXX provide employment information Give us your contact information We also collect your personal information from others, such as credit bureaus, affiliates XXXX other companies. \nWhy can't I limit all sharing? \nFederal law gives you the right to limit only Sharing for affiliates ' everyday business purposesinformation about your creditworthiness Affiliates from using your information to market to you Sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing.\n\nWhat happens when I limit sharing for an account I hold jointly with someone else?\n\nYour choices will apply to everyone on your account.\n\nDefinitions Affiliates Companies related by common ownership XXXX control. They can be financial and nonfinancial companies. Our affiliates include 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 XXXX Freedom Debt Relief , LLC ( dba XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). \nNonaffiliates Companies not related by common ownership XXXX control. They can be financial and nonfinancial companies. \nNonaffiliates we share with include direct marketing companies, service providers, insurance companies, and broker/dealers. \nJoint marketing A formal agreement between nonaffiliated financial companies that together market financial products XXXX services to you. \nOur joint marketing partners include : financial institutions, lead generators, and ^ * * * * * * * * * * * * * * * * * * * * * * * * * For Nevada Residents We are providing you this notice pursuant to state law. You may be placed on our internal \" do not call '' list by calling or complete the online form using the information provided at the bottom of this page. You may also contact the Bureau of Consumer Protection, Office of the Nevada Attorney General, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nFor Vermont Residents In accordance with Vermont law, we will not share information we collect about Vermont residents with companies who are not affiliates, except as permitted by law, such as with your consent XXXX to service your accounts. We will not share information about your creditworthiness with our affiliates without your authorization XXXX consent but we XXXX share information about our transactions XXXX experiences with you with our affiliates without your consent. \n\nFor Montana Residents In accordance with Montana law, we will not disclose your name XXXX personal information to anyone other than your enrolled creditors XXXX our agents, affiliates, XXXX contractors and other third party providers as necessary to conduct business. \n\nFor California Residents In accordance with California law, we will not share information we collect about you with nonaffiliates, except as allowed by law. \nFor example, we may share information with your consent or to service your accounts. You may also have additional rights to limit the disclosure of your personal information under the California Consumer Protection Act ( CCPA ).\n\nSee below for your right to limit our sharing among our affiliates. \nYour Rights You have the following rights to restrict the sharing of personal and financial information with our affiliates ( companies we own XXXX control ) and outside companies that we do business with. Nothing in this form prohibits the sharing of information necessary for us to follow the law, as permitted by law, XXXX to give you the best service on your accounts with us. This includes sending you information about some other products XXXX services. \nYour Choices Restrict Information Sharing With Companies We Own XXXX Control ( Affiliates ) : Unless you opt-out we XXXX share personal and financial information about you with our affiliated companies. \nRestrict Information Sharing With Other Companies We Do Business With To Provide Financial Products And Services : Unless you opt-out we XXXX share personal and financial information about you with outside companies we contract with to provide financial products and services to you. \nTime Sensitive Reply You XXXX make your privacy choice ( XXXX ) at any time. However, if we do not hear from you we XXXX share some of your information with affiliated companies and other companies with whom we have contracts to provide products and services. \nTo exercise your choices, do XXXX of the following : Call XXXX ; XXXX, XXXX the form online : XXXX XXXX XXXX \n\nXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Copy of Notice by Freedom Debt Relief of XX/XX/year> : Your Annual Privacy Notice and Update to Your Debt Resolution Agreement Reply to : XXXX To : XXXX Date : XX/XX/year>, at XXXXXXXX XXXX XXXXXX/XX/year> We want to notify you of our current privacy practices and of new terms to your debt resolution agreement with Freedom Debt Relief There is no action needed from you today, but if you would like to learn more, please visit the following links for our current Privacy Notice ( available HERE ) and the new terms to your debt resolution agreement ( available HERE ). \n\nThe current terms of your debt resolution agreement remain unchanged, and the new terms described in the above link will take effect in fifteen ( XXXX ) days. \n\nIf you have any questions XXXX concerns, please contact us at XXXX. Thank you for being a valued client of XXXX. \n\nXXXX Freedom Debt Relief XXXX Customer Service XXXX XXXX Client Dashboard","date_sent_to_company":"2025-10-30T15:26:22.000Z","issue":"Problem with customer service","sub_product":"Debt settlement","zip_code":"53913","tags":"Older American","has_narrative":true,"complaint_id":"16926974","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FREEDOM FINANCIAL NETWORK","date_received":"2025-10-30T14:43:26.000Z","state":"WI","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["We will not <em>share</em> <em>information</em> <em>about</em> your creditworthiness with our affiliates without your authorization XXXX consent but we XXXX <em>share</em> <em>information</em> <em>about</em> our transactions XXXX experiences with you with our affiliates without your consent."]},"sort":[12.696402,"16926974"]},{"_index":"complaint-public-v1","_id":"14287302","_score":12.415132,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am writing to formally request a reinvestigation of a fraudulent charge that was denied during both the initial dispute and my subsequent appeal. \n\nThe charge in question is listed as originating from XXXX XXXX XXXX XXXX. I have never authorized or initiated any transaction with this retailer, and I did not receive any goods or services from them. \n\nTo further support my claim : I have contacted XXXX directly, and they were unable to locate any transaction associated with my name, email addresses, phone number, or shipping information. \n\nMy debit card has never been lost, stolen, or out of my possession, and no one else is authorized to use it. \n\nI take significant precautions with my financial data, and I have no record of sharing this card information with XXXX or any third party related to them. \n\nWhile your denial letter referenced CAVV ( Cardholder Authentication Verification Value ) verification, I understand that XXXX simply authenticates the transaction as card-not-present. It does not confirm that I personally authorized or performed the transaction, especially in cases of digital fraud or compromised stored payment credentials. I have not been provided with any details substantiating the validity of the charge. \nI respectfully request that Synovus provide the following details associated with this charge : The shipping address used for the order The IP address, device, and browser used to initiate the transaction Any order confirmation, invoice, or receipt from the merchant The merchant ID and name of the payment processor Confirmation that this charge is from the legitimate XXXX XXXX XXXX, and not from a third-party or fraudulent look-alike There have also been consumer complaints online alleging fraudulent charges associated with the name XXXX, often involving unauthorized purchases or charges from similarly named vendors. This raises additional concerns about the true origin and legitimacy of the charge. I quick search will easily produce a multitude of other individuals that have experienced similar fraud. It is also evident that the XXXX checkout app has had glitches where sensitive billing information, including credit card numbers, addresses, and phone numbers of their customers were shared with other customers.\n\nUnder the Electronic Fund Transfer Act ( EFTA ) and Regulation E, I am requesting a complete investigation, including access to any documentation used in the denial decision. If the charge can not be substantiated with clear, verifiable evidence, I request that Synovus issue a provisional credit to my account.\n\nAt this time, I feel like Synovus has failed to investigate this matter properly, and have been neglectful in providing any of the information that I have requested, therefore I am escalating the issue.","date_sent_to_company":"2025-06-25T20:12:48.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"30117","tags":null,"has_narrative":true,"complaint_id":"14287302","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Synovus Bank","date_received":"2025-06-25T19:53:10.000Z","state":"GA","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["At this time, I feel like Synovus has failed to <em>investigate</em> this matter properly, and <em>have</em> been neglectful in providing any of the <em>information</em> that I <em>have</em> requested, therefore I am escalating the issue."]},"sort":[12.415132,"14287302"]},{"_index":"complaint-public-v1","_id":"2823661","_score":12.41433,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"While attempting to get approval for a loan to purchase a home, it was brought to my attention that there was a fraudulent collection on my credit report -- an apartment had been rented in my name in XXXX XXXX and reported to collections in XXXX XXXX in the amount of {$910.00}. On XX/XX/XXXX, I contacted XXXX via email, as well as, via phone call to begin the process of disputing the fraudulent collection claim. In addition, I reached out the apartment complex -- XXXX XXXX Apartments -- and expressed my concern regarding a fraudulent collection that had been reported in my name. The manager at the apartment complex invested the claim and told me that my name had not been reported by the apartment complex. On Monday, XXXX XXXX, XXXX, I filed an Identity Theft Report with the Federal Trade Commission. \n\nOn XXXX XXXX, XXXX, I contacted XXXX to inquire about the status of my dispute. I was told that the dispute was still under investigation and that the reporting agency ( ProCollect ) maintained that I was the individual who had been reported by the apartment complex. I contacted ProCollect twice on XXXX XXXX and was told both times that my name and social were not in their database. The account number associated with the collection -- that was listed on my credit report -- -was in their database associated with someone else 's name and social security number. ProCollect vehemently denied reporting my name to XXXX because they had no record of me in their database. I contacted XXXX again on XXXX XXXX and shared this information with them. An XXXX supervisor insisted that ProCollect had denied the dispute on XXXX XXXX because they maintained that my name was associated with the account number. \n\nNeither agency is accepting responsibility for the fraudulent reporting of the collection on my credit report. I did not rent an apartment from XXXX XXXX in XXXX nor XXXX. If ProCollect has the account number that was reported listed for someone else, XXXX  shouldn't have placed the collection on my credit report. It is a fraudulent report and constitutes identity theft.","date_sent_to_company":"2018-03-16T21:19:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"39503","tags":null,"has_narrative":true,"complaint_id":"2823661","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ProCollect, Inc.","date_received":"2018-02-23T18:10:21.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The account number associated with the collection -- that was listed on my credit report -- -was in their database associated with someone <em>else</em> 's name and social security number. ProCollect vehemently denied reporting my name to XXXX because they had no record of me in their database. I contacted XXXX again on XXXX XXXX and <em>shared</em> this <em>information</em> with them."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Information</em> belongs to someone <em>else</em>"]},"sort":[12.41433,"2823661"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":493,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":493}]}},"product":{"doc_count":493,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":201,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":193},{"key":"Other personal consumer report","doc_count":7},{"key":"Credit repair services","doc_count":1}]}},{"key":"Credit reporting or other personal consumer 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