{"took":222,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":236,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6514463","_score":21.629677,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Experian is reporting that I have a miss payment and my account and they do a investigation that only one day they never inform me by mail or do a proper investigation the need to remove the late payment from my credit score because the can not send me proper proof and documentation of the investigation that they did and prove that Im late because XXXX reporting that Im not late while Experian reporting late payment and damaging and hurting my credit score and ruin my reputation they need to remove the late payment or send me proof and documentation in the mail","date_sent_to_company":"2023-02-02T05:09:55.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33032","tags":null,"has_narrative":true,"complaint_id":"6514463","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-02-02T04:59:50.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Experian is reporting that I have a miss payment and my account and they do a <em>investigation</em> that <em>only</em> one day they <em>never</em> <em>inform</em> me by <em>mail</em> or do a <em>proper</em> <em>investigation</em> the need to remove the late payment from my credit score because the can not send me <em>proper</em> proof and documentation of the <em>investigation</em> that they did and prove that Im late because XXXX reporting that Im not late while Experian reporting late payment and damaging and hurting my credit score and ruin my reputation they need to remove"],"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":[21.629677,"6514463"]},{"_index":"complaint-public-v1","_id":"8553535","_score":15.426613,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I submitted a dispute to correct errors in my credit report through certified mail. The company did not conduct a proper investigation. Their negligence has caused me serious financial harm, a new vehicle, as well as be turned own for a home I was attempting to purchase. Upon initial receipt of my documents the company just decided to delete almost all of my accounts which included auto loans, and several credit accounts. Then I called to inform them of the mistake which by the way I only found out but looking online, they never mailed a physical report showing what they had done. During that phone call the representative grew frustrated because he wasn't able to properly locate and go over my documents so he just decided to reinsert all items including the disputed ones causing this even more catastrophic damage being I was in the process of making purchases. He also lied and said they we're still in dispute status which they we'e not they just mailed me the same report that I started with from the beginning, along with a new page to start a new round of disputes. Equifax has been involved in many shady dealings and causing more harm to consumers then the law allows and they must be reprimanded. I am forwarding all documents upon completion to my attorney to seek financial compensation as well as corrections to my credit report. I will attach the results from their initial deletion.","date_sent_to_company":"2024-03-15T07:41:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76140","tags":null,"has_narrative":true,"complaint_id":"8553535","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-03-15T07:25:47.000Z","state":"TX","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Then I called to <em>inform</em> them of the mistake which by the way I <em>only</em> found out but looking online, they <em>never</em> <em>mailed</em> a physical report showing what they had done. During that phone call the representative grew frustrated because he wasn't able to properly locate and go over my documents so he just decided to reinsert all items including the disputed ones causing this even more catastrophic damage being I was in the process of making purchases."]},"sort":[15.426613,"8553535"]},{"_index":"complaint-public-v1","_id":"16126292","_score":14.461771,"_source":{"product":"Checking or savings account","complaint_what_happened":"I filed a debit card dispute with SoFi Bank in XX/XX/XXXX regarding unauthorized transactions. SoFi completed their investigation in less than 10 business days and denied my claim. I only received this denial by email I never opted in or consented to receive dispute determinations exclusively by email, and no physical mail notice was sent. Under the E-Sign Act and Regulation E, written notice must be mailed unless the customer has expressly agreed to electronic delivery. \n\nThe denial notice also failed to meet Regulation XXXX requirements because it did not include : A clear explanation of the findings ; and A statement informing me of my right to request the documents relied upon in the investigation. \n\nThe banks stated reasons for denial rely on circumstantial factors that do not prove authorization. These included : prior merchant relationship, spending habits, stored credentials, absence of NSF denials, account funding before the transaction, XXXX match, and alleged positive SMS/in-app responses. None of this constitutes conclusive proof that I authorized the transactions, and under Regulation E the burden of proof lies with the bank. I did not receive or authorize any SMS or in-app responses. \n\nIn XX/XX/XXXX, I submitted new merchant evidence to challenge the denial. This was not a new claim but a continuation of the original dispute. SoFi has refused to reverse their decision and has not provided adequate justification. I was told I never submitted new information, which is inaccurate my evidence was submitted but not reviewed. I was also instructed to send information to XXXX on XX/XX/XXXX and never received a response. \n\nAdditional serious concerns : I received an email addressed to another customer ( XXXX ) that disclosed the full name of a third party ___ and referenced their unauthorized transactions. This is a privacy violation under the Gramm-Leach-Bliley Act ( GLBA ) and Regulation P. \nWhen I called in, a SoFi manager acknowledged that SoFi was conducting an internal investigation of the breach, but I was never informed of the results or provided an official breach notice. No protective measures ( such as credit monitoring ) were offered, and instead I was offered only {$10.00} as compensation, which is grossly inadequate. \nDuring a call with a manager, I was placed on hold for approximately 10 minutes without acknowledgment or apology. \nWhen I requested access to the call recording for personal/legal review, I was told I would need to obtain a subpoena an unreasonable barrier for a customer seeking records of their own account.\n\nA SoFi representative told me my last interaction with SoFi was in XXXX, when in fact my last contact was in XXXX. It took repeated pushback before this was acknowledged. This demonstrates poor record-keeping and misrepresentation of facts. \nAcross multiple chats, emails, and phone calls, my questions were repeatedly ignored, my concerns were only partially addressed, and proper notes were not kept. I am requesting that my interactions be fully reviewed for accuracy, transparency, and honesty. \nI was promised a follow-up email and apology within 48 business hours to address the mishandling of my dispute and the data breach. I never received that promised follow-up, which demonstrates SoFis ongoing failure to communicate transparently or keep proper records. \n\nI am requesting immediate reimbursement of the disputed funds, copies of all documentation relied upon in the investigation, and written assurance that SoFi will address the procedural, investigative, and privacy failures described above.","date_sent_to_company":"2025-09-23T20:08:47.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"317XX","tags":null,"has_narrative":true,"complaint_id":"16126292","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SOFI TECHNOLOGIES, INC.","date_received":"2025-09-23T20:03:38.000Z","state":"GA","company_public_response":null,"sub_issue":"Non-sufficient funds and associated fees"},"highlight":{"complaint_what_happened":["SoFi completed their <em>investigation</em> in less than 10 business days and denied my claim. I <em>only</em> received this denial by email I <em>never</em> opted in or consented to receive dispute determinations exclusively by email, and no physical <em>mail</em> notice was sent. Under the E-Sign Act and Regulation E, written notice must be <em>mailed</em> unless the customer has expressly agreed to electronic delivery."]},"sort":[14.461771,"16126292"]},{"_index":"complaint-public-v1","_id":"14758523","_score":14.177828,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"As a victim of the XXXX Equifax data breach, I have endured significant and ongoing hardship due to your company 's failure to protect my personal information. Despite my repeated attempts over the past several years to dispute fraudulent accounts on my credit report, Equifax has consistently failed to conduct proper investigations. Instead, without my knowledge or authorization, an unauthorized block was placed on my account, preventing me from accessing my own credit report, even online. \n\nI was never once contacted by Equifax to inform me of this block. This unauthorized action has directly led to multiple denials of credit and has severely hindered my financial standing. It was only today, XX/XX/XXXX, after speaking with an Equifax representative, that I was informed of this block and told I needed to submit a cover sheet, along with copies of my driver 's license and Social Security card, to have it removed. \n\nI must emphasize that I never placed any blocks on my account, making this action by Equifax unauthorized and, in my view, illegal. Furthermore, the requirement to mail sensitive personal documents, with no secure electronic alternative, forces me to assume unacceptable risks of further identity theft should these documents be lost in transit. This feels like an attempt to shift accountability for the irreparable damage already caused by the initial data breach. \n\nMy personal information was compromised in the breach and has recently been verified as being on the \" dark web. '' Equifax has failed to take responsibility for this loss, and the promised free credit screenings were never even provided. To add insult to injury to injury payment for the breach was for {$5.00} via prepaid gift card, which has never been redeemed.","date_sent_to_company":"2025-07-19T17:18:15.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77338","tags":null,"has_narrative":true,"complaint_id":"14758523","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-19T16:39:37.000Z","state":"TX","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["Despite my repeated attempts over the past several years to dispute fraudulent accounts on my credit report, Equifax has consistently failed to conduct <em>proper</em> <em>investigations</em>. Instead, without my knowledge or authorization, an unauthorized block was placed on my account, preventing me from accessing my own credit report, even online. \n\nI was <em>never</em> once contacted by Equifax to <em>inform</em> me of this block."]},"sort":[14.177828,"14758523"]},{"_index":"complaint-public-v1","_id":"11069785","_score":13.2260475,"_source":{"product":"Credit card","complaint_what_happened":"I am submitting a formal complaint against Goldman Sachs and Apple Card regarding what I believe are unfair and abusive business practices, particularly concerning their failure to provide proper billing statements and account notifications, which has negatively affected my credit standing. \n\nBackground : Fraudulent Charge and Account Lock : On XXXX XXXX XXXX I discovered a fraudulent charge of {$24.00} on my Apple Card when I payed my XXXX bill, and immediately contacted Apple via their support chat to report the issue. Apple acknowledged the fraudulent charge and reversed it on XX/XX/XXXX. However, without my knowledge, my Apple Card account was locked due to the fraudulent charge and the fact that the chat session with Apple support ended unexpectedly due to connectivity. I believed the issue had been resolved at that time. \n\n\nFailure to Provide Billing Statements : After my account was locked, I did not receive any billing statements from Goldman Sachs/Apple Card via email ( XXXX ), which was my primary form of communication. The last email to me on XX/XX/2024, ( see attached ) was regarding the fraudulent charge reverse and the next email, XX/XX/XXXX, was after I had discovered the account lock and paid my outstanding bill. Additionally, I had recently moved, and all my mail was being forwarded to my new address, including Apple card statements. However, I never received any paper bills after the lock from Goldman Sachs/Apple Card , despite the fact that my mail forwarding was properly set up. \n\n\nDiscovery of the Issue : I only became aware that my account had been locked and that payments were overdue in midXXXX XXXX, when I checked my credit report and saw late payment entries. Prior to this, I had not received any notifications or bills, either by email, phone or postal mail, informing me of the locked account or outstanding balances. The lack of communication left me unaware of any issues with my account until the damage to my credit score had already occurred. Up until this point, I have had nearly perfect credit for decades.\n\nImpact on My Credit : Due to the failure of Goldman Sachs/Apple Card to send billing statements or communicate that my account was locked, I unknowingly incurred late payments, which have been reported to the credit bureaus and have negatively impacted my credit score. Additionally, this has prevented me from refinancing my home mortgage resulting in the loss of XXXX of dollars, as long as my credit is impacted. I believe this situation could have been avoided had Goldman Sachs/Apple Card fulfilled their obligations to provide proper notifications and statements. When I contacted Goldman Sachs about this via phone multiple times in XXXX and XXXX, my claim review was denied as they stated it was \" fair and accurate reporting, '' to credit bureaus. \n\n\nRequest for CFPB Intervention : I am requesting that the CFPB investigate this matter and determine whether Goldman Sachs and Apple Card have engaged in unfair and abusive business practices by : Failing to send me periodic billing statements or any form of notification ( email or mail ) informing me of my account status. \nLocking my account without proper email or mail communication following the fraudulent charge and support chat issue.\n\nReporting late payments to the credit bureaus, despite my lack of knowledge of the account lock and overdue payments.\n\nPlease find attached relevant documentation, including details of my communication with Apple/Goldman Sachs and any related correspondence.\n\nThank you for your attention to this matter. I look forward to your assistance in resolving this issue.","date_sent_to_company":"2024-12-07T23:34:22.000Z","issue":"Incorrect information on your report","sub_product":"General-purpose credit card or charge card","zip_code":"94901","tags":null,"has_narrative":true,"complaint_id":"11069785","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2024-12-07T22:53:01.000Z","state":"CA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Request for CFPB Intervention : I am requesting that the CFPB <em>investigate</em> this matter and determine whether Goldman Sachs and Apple Card have engaged in unfair and abusive business practices by : Failing to send me periodic billing statements or any form of notification ( email or <em>mail</em> ) <em>informing</em> me of my account status. \nLocking my account without <em>proper</em> email or <em>mail</em> communication following the fraudulent charge and support chat issue."]},"sort":[13.2260475,"11069785"]},{"_index":"complaint-public-v1","_id":"14474284","_score":13.132679,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Bridgecrest repossessed my vehicle on XX/XX/year>, without providing proper notice or informing me that the account had been charged off. I only discovered the charge-off by reviewing my credit report I received no prior notification by mail, email, or phone. \n\nPrior to the repossession, I informed Bridgecrest that I was experiencing temporary financial hardship due to being on unpaid leave, which was the cause of my missed payments. I clearly communicated that I wanted to resolve the situation. I was told a representative would follow up to set up a payment arrangement that would allow me to continue making payments and have the past-due balance moved to the end of my loan. That call never came. When I reached out again, I was told by other agents that they would not honor the plan unless I made an additional payment first even though that was never part of the original agreement. \n\nAdditionally, on XX/XX/year> after the repossession had already occurred XXXX unauthorized debit attempts were made through XXXX using my card ending in XXXX. XXXX attempt was for {$400.00} and another for {$350.00}. I did not authorize either of these transactions, and they occurred after Bridgecrest had taken possession of the vehicle. \n\nI am requesting that Bridgecrest : Immediately delete and reverse all negative credit reporting related to this account and repossession. \nProvide full documentation of the repossession and charge-off process, including proof of any required notices. \nInvestigate and confirm that no unauthorized payments were processed or will be attempted again. \nCompensate me for the credit harm, financial and emotional distress, and time lost due to their failure to honor a repayment plan and their mishandling of my account. \nProvide a formal written resolution acknowledging the missteps and outlining the steps being taken to correct them.","date_sent_to_company":"2025-07-07T11:06:34.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"29229","tags":null,"has_narrative":true,"complaint_id":"14474284","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bridgecrest Acceptance Corporation","date_received":"2025-07-07T10:21:57.000Z","state":"SC","company_public_response":null,"sub_issue":"Notice to repossess"},"highlight":{"complaint_what_happened":["Bridgecrest repossessed my vehicle on XX/XX/year>, without providing <em>proper</em> notice or <em>informing</em> me that the account had been charged off. I <em>only</em> discovered the charge-off by reviewing my credit report I received no prior notification by <em>mail</em>, email, or phone. \n\nPrior to the repossession, I informed Bridgecrest that I was experiencing temporary financial hardship due to being on unpaid leave, which was the cause of my missed payments."]},"sort":[13.132679,"14474284"]},{"_index":"complaint-public-v1","_id":"8788149","_score":13.103072,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to escalate a dispute regarding inaccurate information on my credit report, which has been verified by XXXX XXXX despite my efforts to provide evidence proving the inaccuracy. \n\nDisputed Information : On XX/XX/2024, I submitted a formal dispute to XXXX XXXX regarding inaccuracies on my credit report related to account paid in a timely manner. but bureau is reporting collection. I provided detailed documentation and evidence supporting my dispute, including documentation from my credit report using XXXX XXXX. \n\nVerification Without Investigation : Despite the evidence provided, XXXX XXXX has verified the accuracy of the disputed information without conducting a thorough investigation into the matter. This response is unacceptable and violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus investigate consumer disputes and correct any inaccuracies. \n\nRequest for Intervention : I request the intervention of the Consumer Financial Protection Bureau ( CFPB ) to ensure that XXXX XXXX fulfills its obligations under the FCRA and conducts a proper investigation into the inaccuracies on my credit report. I also request that appropriate enforcement action be taken against XXXX XXXX for its failure to comply with regulatory requirements. \n\nEnclosed with this letter are copies of all relevant documentation, including my credit report, dispute letters, and any correspondence with XXXX XXXX. I request that you investigate this matter promptly and inform me of the results of your investigation. I want Portfolio Recovery/Original Creditor XXXX XXXX removed! They never informed me through mail, email, phone call of this alleged debt was owed. The account was paid. Per evidence submitted from XXXX XXXX credit report. This account was paid on time monthly. Please remove these XXXX accounts from my credit report. Account # Portfolio Recovery XXXX Original Creditor XXXXXXXX XXXX. Account # XXXX Portfolio Recovery Original Creditor XXXX. They have no evidence that the delinquent account is mine. The only account that is mine was paid on time! \n\nThank you for your attention to this matter. I look forward to a swift resolution and the correction of the inaccuracies on my credit report.","date_sent_to_company":"2024-04-16T19:52:07.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60123","tags":null,"has_narrative":true,"complaint_id":"8788149","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2024-04-16T19:52:06.000Z","state":"IL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I request that you <em>investigate</em> this matter promptly and <em>inform</em> me of the results of your <em>investigation</em>. I want Portfolio Recovery/Original Creditor XXXX XXXX removed! They <em>never</em> informed me through <em>mail</em>, email, phone call of this alleged debt was owed. The account was paid. Per evidence submitted from XXXX XXXX credit report. This account was paid on time monthly. Please remove these XXXX accounts from my credit report. Account # Portfolio Recovery XXXX Original Creditor XXXXXXXX XXXX."]},"sort":[13.103072,"8788149"]},{"_index":"complaint-public-v1","_id":"8788144","_score":13.103072,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to escalate a dispute regarding inaccurate information on my credit report, which has been verified by Trans Union despite my efforts to provide evidence proving the inaccuracy. \n\nDisputed Information : On XX/XX/2024, I submitted a formal dispute to Trans Union regarding inaccuracies on my credit report related to account paid in a timely manner. but bureau is reporting collection. I provided detailed documentation and evidence supporting my dispute, including documentation from my credit report using XXXX XXXX \n\nVerification Without Investigation : Despite the evidence provided, Trans Union has verified the accuracy of the disputed information without conducting a thorough investigation into the matter. This response is unacceptable and violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus investigate consumer disputes and correct any inaccuracies. \n\nRequest for Intervention : I request the intervention of the Consumer Financial Protection Bureau ( CFPB ) to ensure that Trans Union fulfills its obligations under the FCRA and conducts a proper investigation into the inaccuracies on my credit report. I also request that appropriate enforcement action be taken against Trans Union for its failure to comply with regulatory requirements. \n\nEnclosed with this letter are copies of all relevant documentation, including my credit report, dispute letters, and any correspondence with Trans Union. I request that you investigate this matter promptly and inform me of the results of your investigation. I want XXXX XXXXOriginal Creditor XXXX XXXX removed! They never informed me through mail, email, phone call of this alleged debt was owed. The account was paid. Per evidence submitted from XXXX XXXX credit report. This account was paid on time monthly. Please remove these XXXX accounts from my credit report. Account # XXXX XXXX XXXX Original Creditor XXXX XXXX Account # XXXX XXXX XXXX Original Creditor XXXX. They have no evidence that the delinquent account is mine. The only account that is mine was paid on time! \n\nThank you for your attention to this matter. I look forward to a swift resolution and the correction of the inaccuracies on my credit report.","date_sent_to_company":"2024-04-16T19:51:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60123","tags":null,"has_narrative":true,"complaint_id":"8788144","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-04-16T18:48:12.000Z","state":"IL","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 request that you <em>investigate</em> this matter promptly and <em>inform</em> me of the results of your <em>investigation</em>. I want XXXX XXXXOriginal Creditor XXXX XXXX removed! They <em>never</em> informed me through <em>mail</em>, email, phone call of this alleged debt was owed. The account was paid. Per evidence submitted from XXXX XXXX credit report. This account was paid on time monthly. Please remove these XXXX accounts from my credit report."]},"sort":[13.103072,"8788144"]},{"_index":"complaint-public-v1","_id":"14996183","_score":13.005051,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I purchased a vehicle through Credit Acceptance in XX/XX/XXXX and paid a down payment. In early XXXX, the vehicle was impounded by the state due to alleged abandonment, though I was never contacted by Credit Acceptance or given an opportunity to retrieve it. I was not issued any written or verbal notice of repossession, default, or sale. After the car was sold without my knowledge, I was charged the full loan balance of approximately {$23000.00}, despite the vehicle only being worth {$18000.00} at the time of purchase. \n\nI contacted Credit Acceptance and requested clarification, including a full breakdown of the remaining balance, sale details, and notice procedures. They refused to provide any documentation or proof of notice and claimed it was not their responsibility since the state impounded the car. They also confirmed that a third party took over the lien, yet still insist that I owe the full balance.\n\nI believe this violates the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and UCC regulations. I am now left with a major derogatory item on my credit report without any due process or proper explanation. Im requesting a full investigation, proof of their claims, and removal of the account if violations are found. \nI was never provided with a full loan agreement or repossession notices. The only document I received was a warranty form. Credit Acceptance claimed they sent notices by email, but I never consented to electronic-only communication and did not receive any certified letters. They were obligated to mail me physical notices under UCC and FDCPA. This lack of written notice further confirms their noncompliance with required legal procedures.\n\nCredit Acceptance stated that the impound lot was charging {$6000.00} to release my car, which they used to justify not recovering the vehicle. I personally contacted the impound lot, and this fee was never quoted to me. I believe this is a false or exaggerated claim used to avoid responsibility. I am formally requesting documented proof or receipts showing the {$6000.00} impound fee, including the date, lot name, and contact. If they can not provide this, the charge should be considered unsubstantiated and the account balance disputed or removed. \nI was never provided with a full loan agreement or repossession notices. The only document I received was a warranty form. Credit Acceptance claimed they sent notices by email, but I never consented to electronic-only communication and did not receive any certified letters. They were obligated to mail me physical notices under UCC and FDCPA. This lack of written notice further confirms their noncompliance with required legal procedures. \n\n\nMy vehicle was impounded by the state, and Credit Acceptance, as the lienholder, failed to notify me, recover the vehicle, or assist with resolution. They claim it wasnt their responsibility because the state impounded it, but as the legal lienholder, they had the right and obligation to intervene or release the vehicle. Instead, they allowed it to be sold without informing me and are now charging me the full remaining balance, despite someone else allegedly taking over the XXXX. \n\nI made a down payment on this vehicle and was never offered any assistance, notice of sale, or breakdown of fees. When I contacted the impound lot myself, they did not quote me the {$6000.00} Credit Acceptance now claims was the release fee. I request documented proof and receipts of all amounts paid or owed. This appears to be a false claim.\n\nCredit Acceptance is currently facing legal action from other consumers for similar deceptive and unfair lending practices. Their behavior in my case violates the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Uniform Commercial Code ( UCC ). I am requesting deletion of this tradeline due to unlawful reporting and a formal investigation into their actions.","date_sent_to_company":"2025-07-31T20:03:06.000Z","issue":"Repossession","sub_product":"Lease","zip_code":"11220","tags":null,"has_narrative":true,"complaint_id":"14996183","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CREDIT ACCEPTANCE CORPORATION","date_received":"2025-07-31T19:48:50.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deficiency balance after repossession"},"highlight":{"complaint_what_happened":["I am now left with a major derogatory item on my credit report without any due process or <em>proper</em> explanation. Im requesting a full <em>investigation</em>, proof of their claims, and removal of the account if violations are found. \nI was <em>never</em> provided with a full loan agreement or repossession notices. The <em>only</em> document I received was a warranty form. Credit Acceptance claimed they sent notices by email, but I <em>never</em> consented to electronic-<em>only</em> communication and did not receive any certified letters."]},"sort":[13.005051,"14996183"]},{"_index":"complaint-public-v1","_id":"12417164","_score":13.001355,"_source":{"product":"Credit card","complaint_what_happened":"To Whom It May Concern, I am filing a formal complaint against Goldman Sachs Bank USA and Apple Card regarding improper credit reporting due to their failure to notify me of an alleged outstanding balance after I closed my account. This issue has resulted in an unfair negative mark on my credit. \nI initially disputed a transaction on my Apple Card, and the dispute was decided in my favor. During that time, I closed my account, believing that it had been settled at a XXXX balance. However, Goldman Sachs later revoked cashback rewards, creating a balance that I was never informed of through phone, mail, or email. \nAs a result, I unknowingly had an outstanding balance, which was reported as delinquentdespite never receiving any clear notification. The only way to access account information was to re-download the Apple Card, an unreasonable expectation for a closed account. This failure in proper communication has led to unjust harm to my credit standing. \nThis situation violates several consumer protection laws, including : 1. 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) - Fair Credit Reporting Act ( FCRA ) : Requires financial institutions to provide accurate and complete information to credit reporting agencies. Given that I was never properly informed of the balance before it was reported as delinquent, the reported information is inaccurate and should be removed.\n\n2. 15 U.S. Code 1666 - Fair Credit Billing Act ( FCBA ) : Requires creditors to provide clear billing statements and proper communication regarding outstanding balances before reporting late payments or delinquency. Goldman Sachs and Apple Card failed to provide adequate notice, violating this requirement.\n\n3. 12 C.F.R. 1026.6 - Truth in Lending Act ( TILA ) : Requires transparency in the disclosure of fees, account balances, and charges. The failure to clearly notify me of the revoked rewards balance violates this rule.\n\nGiven these violations, I request that the CFPB take action to : 1. Investigate Goldman Sachs and Apple Cards communication and reporting practices to ensure compliance with federal laws.\n\n2. Request the removal of the delinquency from my credit report due to the lack of proper notice and misleading communication.\n\n3. Require Goldman Sachs and Apple Card to implement better notification processes to prevent similar issues from affecting other consumers. \nI believe this case represents an unfair and deceptive financial practice, and I appreciate the CFPBs assistance in resolving this matter. Please inform me of any steps I need to take or any further information required.","date_sent_to_company":"2025-03-11T22:09:56.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"21117","tags":null,"has_narrative":true,"complaint_id":"12417164","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2025-03-11T22:05:25.000Z","state":"MD","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["However, Goldman Sachs later revoked cashback rewards, creating a balance that I was <em>never</em> informed of through phone, <em>mail</em>, or email. \nAs a result, I unknowingly had an outstanding balance, which was reported as delinquentdespite <em>never</em> receiving any clear notification. The <em>only</em> way to access account information was to re-download the Apple Card, an unreasonable expectation for a closed account. This failure in <em>proper</em> communication has led to unjust harm to my credit standing."]},"sort":[13.001355,"12417164"]},{"_index":"complaint-public-v1","_id":"12418366","_score":12.985245,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am filing a formal complaint against XXXX XXXX XXXX XXXX and XXXX XXXX regarding improper credit reporting due to their failure to notify me of an alleged outstanding balance after I closed my account. This issue has resulted in an unfair negative mark on my credit. \nI initially disputed a transaction on my XXXX XXXX, and the dispute was decided in my favor. During that time, I closed my account, believing that it had been settled at a XXXX balance. However, XXXX XXXX later revoked cashback rewards, creating a balance that I was never informed of through phone, mail, or email. \nAs a result, I unknowingly had an outstanding balance, which was reported as delinquentdespite never receiving any clear notification. The only way to access account information was to re-download the XXXX XXXX, an unreasonable expectation for a closed account. This failure in proper communication has led to unjust harm to my credit standing. \nThis situation violates several consumer protection laws, including : 1. 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) - Fair Credit Reporting Act ( FCRA ) : Requires financial institutions to provide accurate and complete information to credit reporting agencies. Given that I was never properly informed of the balance before it was reported as delinquent, the reported information is inaccurate and should be removed.\n\n2. 15 U.S. Code 1666 - Fair Credit Billing Act ( FCBA ) : Requires creditors to provide clear billing statements and proper communication regarding outstanding balances before reporting late payments or delinquency. XXXX XXXX and XXXX XXXX failed to provide adequate notice, violating this requirement. \n3. 12 C.F.R. 1026.6 - Truth in Lending Act ( TILA ) : Requires transparency in the disclosure of fees, account balances, and charges. The failure to clearly notify me of the revoked rewards balance violates this rule. \nGiven these violations, I request that the CFPB take action to : 1. Investigate XXXX XXXX and XXXX XXXX communication and reporting practices to ensure compliance with federal laws. \nXXXX. Request the removal of the delinquency from my credit report due to the lack of proper notice and misleading communication. \nXXXX. Require XXXX XXXX and XXXX XXXX to implement better notification processes to prevent similar issues from affecting other consumers. \nI believe this case represents an unfair and deceptive financial practice, and I appreciate the CFPBs assistance in resolving this matter. Please inform me of any steps I need to take or any further information required.","date_sent_to_company":"2025-03-11T22:18:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21117","tags":null,"has_narrative":true,"complaint_id":"12418366","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-11T22:14:04.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["However, XXXX XXXX later revoked cashback rewards, creating a balance that I was <em>never</em> informed of through phone, <em>mail</em>, or email. \nAs a result, I unknowingly had an outstanding balance, which was reported as delinquentdespite <em>never</em> receiving any clear notification. The <em>only</em> way to access account information was to re-download the XXXX XXXX, an unreasonable expectation for a closed account. This failure in <em>proper</em> communication has led to unjust harm to my credit standing."]},"sort":[12.985245,"12418366"]},{"_index":"complaint-public-v1","_id":"5622203","_score":12.954563,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have contacted Equifax Credit bureau numerous times ( 3 to be exact ) informing them that the collection agency XXXX is reporting inaccurate an erroneous information on my credit profile. I was never contacted in writing prior to the collection being placed on my account. I wasnt given an opportunity to request validation of the alleged debt. This is a violation of 606 and falls under 624. Additionally, Equifax Credit Bureau keeps ignoring my dispute letters pertaining to this alleged debt by not responding. They have failed to properly and thoroughly investigate my dispute based on the information provided directly to them from myself the consumer. I understand that the credit bureaus now have 60 days to investigate disputes. However, I never receive a response to my letters that I send by certified or by usps priority mail to ensure delivery. With the exception of my last letting for intent to file a complaint. \nFurthermore, I have no verbal or written contract with the collection agency XXXX XXXX Acct XXXX stating that I would pay them any money. I have never obtained any services with this company. Therefore, I have no debt with this company. Equifax credit bureau and XXXX have both failed to provide substantial and VALID evidence that the debt belongs to me. I have requested validity of this alleged account and still have not received it. After 3 letters I still have not received a copy of the alleged contract binding me to this supposed debt collection agency. 619 prohibits consumer reporting agencies from reporting under false pretense as it is a direct violation of title 18 of the United States Code. Until I am provided VALID PROOF in writing and sent copies of the documents obtained to validate this debt Equifax is violating my rights! \nFurthermore, Equifax Credit Bureau allows XXXX XXXX to continuously update the date of last activity on this alleged account every month. They are manipulating the alleged debt Date of last activity to falsely extend the statute of limitations on this erroneous account. However, the alleged amount owed stays the same. Additionally, Equifax Credit Bureau is reporting the alleged debt past due and closed every month which is negatively impacting my overall score for a debt that does not belong to me. Equifax has repeatedly reported invalidated information on my credit report. This action might constitute fraud under both Federal and State Laws. \n\n\nI demand that Equifax Credit Bureaus permanently delete the alleged debt and collection from my credit profile. This alleged debt is defaming my character and causing me to constantly get denied for new credit opportunities. This inaccuracy is highly injurious to my credit rating and ruining my financial credit health. \n\nAccording to the FCRA the Credit reporting agencies are obliged delete inaccurate, incomplete or unverifiable information. Neither Equifax nor the collection agency has explained how this alleged debt was validated and verified. With the exception of taking the word of this unknown company that there is alleged debt. \n\nEquifax Credit Bureau has neglected to properly investigate the inaccuracies on my credit report by continuously reporting erroneous information. Even after I notified them numerous times of the misinformation. My first letter was sent on XXXX XX/XX/XXXX. The Equifax never responded back to me. I called to check the status of the dispute and was informed that they had not received a letter from me. This was false information because the tracking showed that the letter had been delivered. I sent a second letter on the same day I called being XX/XX/XXXX XXXX priority mail. Equifax sent me a letter in the mail only 3 days later on XX/XX/XXXX addressing other information I had disputed but left out details pertaining to the disputed collection account. I patiently waited for a response but never received one in regard to the alleged XXXX collection. I sent my 3rd and final letter on XX/XX/XXXX informing Equifax that it was my last attempt to allow them to completely remove the collection from my report. Failing to remove the unvalidated account permanently would result in me filing a formal complaint with the cfpb. Equifax responded back on XX/XX/XXXX, informing me that there were no inaccurate information on my credit report and they verified that the item belonged to me. Still failing to provide any proof to how they verified the account. \nStatue 611 -15 U.S.C. Statue 1681i section 1a states that the credit agency will conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day. How was this collection account properly investigated or reinvestigated when it the collect account is still currently erroneous this very day? I have continuously informed Equifax that alleged collect account is full of unverifiable information and inaccuracies.\n\nSection 5a of Statue 611 also states that after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.\n\nI again am demanding that Equifax removed this erroneous account from my credit profile since they failed to conduct a proper investigation 3 three times by ignoring my letters and by not conducting a proper re-investigation the third time to quickly dismiss my concerns. \n\nI am also demanding that Equifax Credit bureau pay a fine of {$1000.00} for every dispute letter I sent them that was not properly investigated. Totaling {$3000.00} to be paid to me the consumer. \n\nI look forward to a response in regard to my failed attempts to have the credit agency remove the erroneous account from my credit profile.","date_sent_to_company":"2022-06-01T05:05:18.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77494","tags":null,"has_narrative":true,"complaint_id":"5622203","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-06-01T04:58:36.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I sent a second letter on the same day I called being XX/XX/XXXX XXXX priority <em>mail</em>. Equifax sent me a letter in the <em>mail</em> <em>only</em> 3 days later on XX/XX/XXXX addressing other information I had disputed but left out details pertaining to the disputed collection account. I patiently waited for a response but <em>never</em> received one in regard to the alleged XXXX collection."],"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":[12.954563,"5622203"]},{"_index":"complaint-public-v1","_id":"17991758","_score":12.515907,"_source":{"product":"Debt collection","complaint_what_happened":"Fraudulent Debt Collection Complaint Citi ThankYou Card I am filing this complaint to document repeated and fraudulent debt collection attempts related to my Citi XXXX XXXX  account. \n\n- * * Long Standing Customer Account * * I have been a customer of Citi for close to XXXX  years. Citi Thank You was not an actively used card ; I only make a nominal purchase once in a while when the bank sends a letter that an account will be closed unless a transaction is made. \n\n* * Unsolicited Checks * * : Citi XXXX XXXX routinely mails unsolicited promotional balance transfer checks to customers, a practice that increases the risk of fraud and misuse. \n\n- * * Identity Theft Incident * * : My identity was stolen around the end of XX/XX/year> after applying for a renewal drivers license in XXXX, which never arrived in the mail. Beginning around XXXX XXXX, someone impersonated me using my personal information at several banks and highend stores. Multiple banks notified me immediately and either prevented fraudulent charges or reversed them once I reported the fraud. A police report was filed by me as a result. \n\n- * * Citis Failure to Act * * : Citi was the only bank that did not contact me regarding suspicious activity. I discovered that an unauthorized {$1400.00} charge was made to my account on XX/XX/XXXX only in XX/XX/year>, when I received a statement. There was a limit increase request that I did not make and Citi did not verify with me that I learned about at the same time. When I saw an unusual line item on my statement in XXXX, I immediately reported the fraud by phone and disputed the transaction through Citis online portal, providing Citi with police report number and informing Citi that my mailbox had been compromised. Citi informed me that a credit was applied to my account and I could see it online. Citi also changed the address on file and reissued the card, but I received no further communication no mail, email, or calls about the investigation status. \n\n- * * Escalation to Collections * * : On Saturday, XX/XX/year>, Citi emailed me stating a payment is due today. When I called, I was told no payment was required and advised to just contact Citis security team during business hours on Monday. I contacted security as soon as they reopened on Monday, XX/XX/XXXX. Security indicated they only needed a copy of my driver 's license and suggested that I fax or mail it. The representative refused to provide online portal or email to expedite the resolution. Only when I requested their manager, the manager provided me with the email. I submitted the DL copy immediately, including again the police report number and Citi case number. On XXXX Friday, XX/XX/year>, I started receiving collections calls from Citi. When I attempted to call the XXXX number on the back of the card, the calls were immediately rolled over to collections rather than customer service. \nI spent from XXXX a.m. to XXXX p.m. On Friday, XX/XX/XXXX, trying to reach a customer service supervisor, eventually being transferred to a security team supervisor. When I inquired of the name on the fraudulent check, so I can add it to the police investigation, I was told that the charge related to someone writing a Citi check to \" Cash. '' And I was also informed that the investigation would take up an additional 60 to 90 days. \n\n- * * Summary * * An unsolicited Citi check was negligently mailed by Citi, intercepted by someone and cashed with no proper verification by Citi. Despite my prompt reporting of fraud and submission of police report information, Citi failed to properly investigate and to communicate with me, they allowed my account to be transferred to collections, and subjected me to repeated calls and delays and fraudulent tactics to close the dispute and demand payment of debt that I did not incur and did not authorize. Citi 's handling of this matter has been negligent and has caused unnecessary stress and harm. I request immediate resolution and urge regulatory authorities to investigate Citis practices.","date_sent_to_company":"2025-11-28T23:01:33.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"77055","tags":null,"has_narrative":true,"complaint_id":"17991758","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-11-28T21:48:54.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["When I inquired of the name on the fraudulent check, so I can add it to the police <em>investigation</em>, I was told that the charge related to someone writing a Citi check to \" Cash. '' And I was also informed that the <em>investigation</em> would take up an additional 60 to 90 days. \n\n- * * Summary * * An unsolicited Citi check was negligently <em>mailed</em> by Citi, intercepted by someone and cashed with no <em>proper</em> verification by Citi."]},"sort":[12.515907,"17991758"]},{"_index":"complaint-public-v1","_id":"17871011","_score":12.515167,"_source":{"product":"Debt collection","complaint_what_happened":"Fraudulent Debt Collection Complaint Citi ThankYou Card I am filing this complaint to document repeated and fraudulent debt collection attempts related to my Citi ThankYou Card account.\n\n- * * Long Standing Customer Account * * I have been a customer of Citi for close to 25 years. Citi Thank You was not an actively used card ; I only make a nominal purchase once in a while when the bank sends a letter that an account will be closed unless a transaction is made.\n\n* * Unsolicited Checks * * : Citi ThankYou Card routinely mails unsolicited promotional balance transfer checks to customers, a practice that increases the risk of fraud and misuse. \n\n- * * Identity Theft Incident * * : My identity was stolen around the end of XX/XX/year> after applying for a renewal drivers license in Texas, which never arrived in the mail. Beginning around XXXX XXXX, someone impersonated me using my personal information at several banks and highend stores. Multiple banks notified me immediately and either prevented fraudulent charges or reversed them once I reported the fraud. A police report was filed by me as a result. \n\n- * * Citis Failure to Act * * : Citi was the only bank that did not contact me regarding suspicious activity. I discovered that an unauthorized {$1400.00} charge was made to my account on XX/XX/XXXX only in XX/XX/year>, when I received a statement. There was a limit increase request that I did not make and Citi did not verify with me that I learned about at the same time. When I saw an unusual line item on my statement in XXXX, I immediately reported the fraud by phone and disputed the transaction through Citis online portal, providing Citi with police report number and informing Citi that my mailbox had been compromised. Citi informed me that a credit was applied to my account and I could see it online. Citi also changed the address on file and reissued the card, but I received no further communication no mail, email, or calls about the investigation status. \n\n- * * Escalation to Collections * * : On Saturday, XX/XX/year>, Citi emailed me stating a payment is due today. When I called, I was told no payment was required and advised to just contact Citis security team during business hours on Monday. I contacted security as soon as they reopened on Monday, XX/XX/XXXX. Security indicated they only needed a copy of my driver 's license and suggested that I fax or mail it. The representative refused to provide online portal or email to expedite the resolution. Only when I requested their manager, the manager provided me with the email. I submitted the DL copy immediately, including again the police report number and Citi case number. On XXXX Friday, XX/XX/year>, I started receiving collections calls from Citi. When I attempted to call the XXXX number on the back of the card, the calls were immediately rolled over to collections rather than customer service. \nI spent from XXXX XXXX  to XXXX XXXX  On Friday, XX/XX/XXXX, trying to reach a customer service supervisor, eventually being transferred to a security team supervisor. When I inquired of the name on the fraudulent check, so I can add it to the police investigation, I was told that the charge related to someone writing a Citi check to \" Cash. '' And I was also informed that the investigation would take up an additional 60 to 90 days.\n\n- * * Summary * * An unsolicited Citi check was negligently mailed by Citi, intercepted by someone and cashed with no proper verification by Citi. Despite my prompt reporting of fraud and submission of police report information, Citi failed to properly investigate and to communicate with me, they allowed my account to be transferred to collections, and subjected me to repeated calls and delays and fraudulent tactics to close the dispute and demand payment of debt that I did not incur and did not authorize. Citi 's handling of this matter has been negligent and has caused unnecessary stress and harm. I request immediate resolution and urge regulatory authorities to investigate Citis practices.","date_sent_to_company":"2025-12-09T14:10:54.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"77055","tags":null,"has_narrative":true,"complaint_id":"17871011","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-11-28T23:01:08.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["When I inquired of the name on the fraudulent check, so I can add it to the police <em>investigation</em>, I was told that the charge related to someone writing a Citi check to \" Cash. '' And I was also informed that the <em>investigation</em> would take up an additional 60 to 90 days.\n\n- * * Summary * * An unsolicited Citi check was negligently <em>mailed</em> by Citi, intercepted by someone and cashed with no <em>proper</em> verification by Citi."]},"sort":[12.515167,"17871011"]},{"_index":"complaint-public-v1","_id":"6290537","_score":12.485668,"_source":{"product":"Debt collection","complaint_what_happened":"Around XX/XX/2022 I was getting ready to make a purchase using my self credit and it got declined on the purchase I was trying to make. So I tried the transaction again and it declined again and that when I decide to login into my SELF account to check my balance and I had availability credit into my account but couldnt understand why my card declined. So I email self because that was the only way I was able to get in contact with an agent. They sent me an email stating that they need to verify my payment account? Not understanding what that is and why that happen all the sudden when I been with self almost XXXX XXXX at that point and never had an issue to with my account up til then. So SELF ask me to email them a copy of my bank statement in XXXX in order for them to whatever verify my account. I sent over the document that they ask and a day later I get an email from self saying that my account as been CLOSE with no real proper reason WHY! I ask them well what about my deposit that I already put into the account will I get that back? The agent reply yes after the investigation is done. After the investigation was done they mail me back my payment of XXXX  which took time to receive after I had to follow up with them asking them where is my payment. I obtain a copy of my credit report and notice that they are reporting the account as delinquency and that I owe a balance of XXXX which is affecting my credit score. I never took money from self any money that was on my self account was from money I put into the account. How dare them close my account down due to a system error that they couldnt seem to verify on their end and report it as delinquency with the credit bureau when I been a customer with self for almost 2 years! Very frustrated about this situation because this account as hurt my credit report tremendously and this account need to be remove immediately. They are reporting inaccurate information on my report and never once was inform me of this dispute account. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I HAD ENCLOSED A COPY OF THE EMAIL BETWEEN THE REP AND I","date_sent_to_company":"2022-12-08T01:35:25.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"30035","tags":null,"has_narrative":true,"complaint_id":"6290537","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Self Financial Inc.","date_received":"2022-12-08T01:17:09.000Z","state":"GA","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["I sent over the document that they ask and a day later I get an email from self saying that my account as been CLOSE with no real <em>proper</em> reason WHY! I ask them well what about my deposit that I already put into the account will I get that back? The agent reply yes after the <em>investigation</em> is done. After the <em>investigation</em> was done they <em>mail</em> me back my payment of XXXX  which took time to receive after I had to follow up with them asking them where is my payment."]},"sort":[12.485668,"6290537"]},{"_index":"complaint-public-v1","_id":"3832234","_score":12.4685,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"This is a follow up to a complaint I submitted on XXXX XXXX. I did send several followup E mails to you to inform you what has happened since theXXXX I asked for responses, but never got any, so Im not sure that you received my follow ups. I sent them to XXXX What I sent to XXXX I need to submit a follow up to a complaint that I originally submitted on XXXX XX/XX/2020. Your site wont let me log on or create a new acct. The page just comes up blank, yesterday and today. So Im emailing you now. Please forward this to the proper dept or reply and give me the email address ( not ph # please ). \n\nOn XXXX XXXX I submitted a complaint to you against Chase credit card. Sometime after that I received a ph msg from chase telling me that they will look into it and get back to me. Then on the XXXX I received email from your office indicating \" The company has responded that it is still working on your issue. '' Then yesterday the XXXX of XX/XX/2020 I got an email from chase stating \" We confirmed your disputed transaction ( s ) are valid and will remain on your account. '' This is a form letter with no specific info concerning my dispute. Then later that same day I got another ph msg from chase indicating that they are still looking into it and will have a resolution within 5 days. \n\nThose two messages from chase contradict. \n\nchase has not requested any additional information from me on this dispute. \n-- -- -- -- -- -- -- -- -- -- -- XXXX XX/XX/2020 Additional note : It has been over 5 days since the XXXX and I have not heard back from chase ( as promised ). They did add the XXXX $ back onto my next card statement, but did not include it as a line item. The only way I know is that I added-up all the charges listed, and that comes to XXXX less then the amount they are billing me, due XXXX XXXX That is sneaky. I dont want to pay this, I dont owe this amount. They never even investigated it. Ive asked a few times for a copy of their investigation and I get nothing. Chase used to be much better at truly investigating billing errors. I think that changed after the merger. \n\nPlease look into this. \n\nthank you, XXXX XXXX","date_sent_to_company":"2020-09-05T17:03:24.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"33713","tags":null,"has_narrative":true,"complaint_id":"3832234","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2020-09-05T15:58:15.000Z","state":"FL","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["The <em>only</em> way I know is that I added-up all the charges listed, and that comes to XXXX less then the amount they are billing me, due XXXX XXXX That is sneaky. I dont want to pay this, I dont owe this amount. They <em>never</em> even <em>investigated</em> it. Ive asked a few times for a copy of their <em>investigation</em> and I get nothing. Chase used to be much better at truly <em>investigating</em> billing errors. I think that changed after the merger. \n\nPlease look into this. \n\nthank you, XXXX XXXX"]},"sort":[12.4685,"3832234"]},{"_index":"complaint-public-v1","_id":"13222775","_score":12.235159,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint because National Credit Systems ( NCS ) has repeatedly violated my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). \n\nXXXX  is reporting inaccurate and misleading information to the credit bureaus regarding an alleged debt. Despite submitting multiple disputes to XXXX  and XXXX, and complaints including previous complaints through the CFPB XXXX  has failed to remove this information or correct the inaccuracies.\n\nI have made several attempts to request proper validation of the alleged debt. However, XXXX  refuses to provide sufficient documentation establishing that they have the legal right to collect on this debt. The only documentation they have provided is a copy of a lease and a move-out statement, which does not demonstrate that XXXX  is legally authorized to collect on this alleged debt. Under the law, this is not sufficient proof of ownership or assignment of the debt, nor proof that I owe the debt to XXXX.\n\nFurthermore, XXXX  failed to properly notify me of this alleged debt and my right to dispute it, which is a direct violation of the FDCPA. The only communication I ever received from NCS was an email dated XX/XX/XXXX, informing me that they intended to report the debt to the credit bureaus. No required written notice was provided before they reported the debt, depriving me of my right to dispute the debt in a timely manner as outlined under 15 U.S.C. 1692g of the FDCPA. \n\nIn response to their email, I sent a timely debt validation request on XX/XX/XXXX. To date, XXXX has failed to respond to my validation request or remove the unvalidated information from my credit reports, in clear violation of the FDCPA and FCRA. After this, I the disputed the negative information with the XXXX major credit bureaus. XXXX deleted the proven inaccurate information however, XXXX  and XXXX  both refuse to delete the information despite multiple disputes with proof showing the inaccurate and misleading information. Both credit bureaus say the information is verified to be accurate. How can it be verified to be accurate when XXXX never followed proper procedures to validate the debt and notify me of the allege debt? \n\nAdditionally, on XX/XX/XXXX, I sent a cease and desist letter to XXXX via certified mail with a return receipt, formally demanding that they cease all collection activities with me regarding this alleged debt and delete the negative information off my credit reports. XXXX has ignored this cease and desist demand, further violating the FDCPA under XXXX5 U.S.C. 1692c ( c ). \n\nNCSs continued failure to validate the alleged debt, respond to my communications, honor my cease and desist request, and correct or remove inaccurate credit reporting entries is not only unlawful but is causing ongoing harm to my creditworthiness and emotional distress. \n\nOver the past year, I have also disputed this inaccurate information multiple times with both Experian and Equifax. Despite providing evidence that XXXX failed to validate the debt and that the reporting is inaccurate, Experian and Equifax have refused to delete the account from my credit reports. Both companies have continued to verify the account without properly investigating my disputes or requiring XXXX to validate the debt, which violates their responsibilities under the FCRA ( 15 U.S.C. 1681i ). \n\nI have included all information such as the initial email from XXXX, my letters mailed to XXXX and certified mail receipt of my cease and desist.","date_sent_to_company":"2025-04-28T14:00:05.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"75231","tags":null,"has_narrative":true,"complaint_id":"13222775","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2025-04-28T13:39:28.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["How can it be verified to be accurate when XXXX <em>never</em> followed <em>proper</em> procedures to validate the debt and notify me of the allege debt? \n\nAdditionally, on XX/XX/XXXX, I sent a cease and desist letter to XXXX via certified <em>mail</em> with a return receipt, formally demanding that they cease all collection activities with me regarding this alleged debt and delete the negative information off my credit reports."]},"sort":[12.235159,"13222775"]},{"_index":"complaint-public-v1","_id":"1805067","_score":12.226398,"_source":{"product":"Debt collection","complaint_what_happened":"I had XXXX accounts on XXXX XXXX they were open it on XXXX XXXX 2015 ( Num. XXXX ), and XXXX XXXX 2015 ( XXXX. XXXX ), my issues are On XXXX XXXX 2015 my financial institution ( XXXX XXXX XXXX XXXX ) notified me by mail, about some irregular transactions made, on my visa card, from ( XXXX or XXXX XXXX XXXX XXXX. XXXX Authorized Retailer ), causing me problems with my credit, credit line, credit score and my piece of mine. Also I have to call the Federal Trade Commission for an identity theft problem the Ref is ( Num. XXXX ) it was made on XXXX XXXX XXXX and after several attempts trying to fix this issues with ( XXXX XXXX fraud department , XXXX XXXX customer service and XXXX XXXX XXXX XXXX , XXXX Authorized Retailer ), Since then I have not received any answer, help, assistant or information, from ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX Authorized Retailer ) via e-mail, telephone or letter informing me about the investigation or who made all those unauthorized transactions, in ( XXXX or XXXX XXXX XXXX XXXX . XXXX Authorized Retailer ) so I can take the proper security action 's, for of all of those issues, and for safety information reason and piece of mine, I had to close my XXXX accounts with them, because, I do not feel safe anymore with ( XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX Authorized Retailer ) handling my information, because they can not guarantee me the security of my information as client anymore, the only response so far that I have received from XXXX was, by e-mail and by phone telling me, if I cancel those XXXX account I have to pay an early fee, because they gave me the service, so far they assigned a debt collection company, name ( Diversified Consultants , Inc. XXXX XXXX XXXX XXXX , FL XXXX ). who are harassing me by phone on different hours to bill me {$460.00} for each accounts because of my early close. Neither ( XXXX and XXXX XXXX XXXX XXXX, XXXX Authorized Retailer ) did not take in consideration the reports by phone that I have made prior to them in several occasions, trying to informing them, that my identity was used without my approval or concern, only my financial institution ( XXXX XXXX XXXX XXXX ) helped me, in this issues, not only by changing my visa card, for safety protocols they also had taken the proper safety measures about those unauthorized transactions with an investigation and follow up. I have made all in my power to make ( XXXX and XXXX XXXX XXXX XXXX, XXXX Authorized Retailer ). understand this issues, even when my financial institution ( XXXX XXXX XXXX Bank ) had return me all the money, taken from all those unauthorized transitions, ( XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX Authorized Retailer ) does not understand that I was a victim from an identity theft from someone who has assess to that king of information in ( XXXX or XXXX XXXX XXXX XXXX, XXXX Authorized Retailer ), they have the information about those unauthorized transitions, I had told them, in several occasions, that I did not authorized or concern those unauthorized transactions, they have not provided me with a reasonable explanation or the minimum amount of information about who made all those unauthorized transactions or who authorized it without my approval or concern, so far they have not help or assist me in identifying those responsible so I can restore my credit, credit line, credit score and my piece of mine. I must say that I have never have had any problems with my visa card before, not until I open my XXXX accounts with ( XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX Authorized Retailer ). I am summiting the document, that include in detail the unauthorized transactions and the step taken so far, from my financial institution ( XXXX XXXX XXXX XXXX ).","date_sent_to_company":"2016-02-29T18:51:14.000Z","issue":"Cont'd attempts collect debt not owed","sub_product":"Other (i.e. phone, health club, etc.)","zip_code":"00924","tags":"Servicemember","has_narrative":true,"complaint_id":"1805067","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Diversified Consultants, Inc.","date_received":"2016-02-25T16:18:16.000Z","state":"PR","company_public_response":null,"sub_issue":"Debt resulted from identity theft"},"highlight":{"complaint_what_happened":["Neither ( XXXX and XXXX XXXX XXXX XXXX, XXXX Authorized Retailer ) did not take in consideration the reports by phone that I have made prior to them in several occasions, trying to <em>informing</em> them, that my identity was used without my approval or concern, <em>only</em> my financial institution ( XXXX XXXX XXXX XXXX ) helped me, in this issues, not <em>only</em> by changing my visa card, for safety protocols they also had taken the <em>proper</em> safety measures about those unauthorized transactions with an <em>investigation</em> and"]},"sort":[12.226398,"1805067"]},{"_index":"complaint-public-v1","_id":"3387020","_score":12.07539,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Dear Consumers Financial Protection Bureau I have an issue that I have been trying to resolve since late XXXX of this year. I made several orders on a website called XXXX, which sells gift cards. I purchased 3 XXXX gift cards from them in the form of two separate orders. The first order was made on XX/XX/XXXX, it consisted of two gift cards, one that valued at {$110.00} and the other valued at {$130.00}. When I received them, the two gift cards has {$0.00} in both. On XX/XX/XXXX I had purchased the 3rd gift card that valued at {$72.00}, but the card only had {$11.00} upon being received. On XX/XX/XXXX, I emailed XXXX customer service and informed them of the problem with the gift cards. I had gotten no response back within the day, thus I proceeded to call their customer service number but there was no answer. Within a week I still had no response from XXXX, so I contacted my bank, Bank of America which is the credit card I used to purchase the gift cards. I informed them about the situation with XXXX and they redeposited the {$320.00} used to purchase the gift cards back into my bank account and told me they would investigate the situation with XXXX. \nI finally received a reply to my email on XX/XX/XXXX from XXXX stating they would help me by contacting XXXX support about the gift cards and call me back when they received an answer. After that I did not get any responses from them. \nOn XX/XX/XXXX, I saw that the {$320.00} was taken out of my Bank of America account. I called Bank of America credit card to ask them why that was, they informed me that during their investigation they could not get into contact with XXXX and needed evidence sent to them about all our inquiries with XXXX. I sent them the emails and replies that I had with XXXX customer service. I was awaiting for Bank of America to continue the investigation and get back to me. I went out of town and came back around XX/XX/XXXX and got a letter from Bank of America, that was dated XX/XX/XXXX when they sent it, informing me I needed to send in documentation proving I was scammed by XXXX by XX/XX/XXXX. The time frame in which I was allowed to do this task was limited to 8 days, but the mail was sent out during the time I was out of town. I call Bank of America credit card to inform them immediately that I was out of town and to request that they allow time to continue investigating my case. They told me I needed to get into contact with XXXX again and that they would open a new case for me. I tried my best to email and call XXXX again to ask them to process me a return as the gift cards were empty or missing the proper amount, that was on XX/XX/XXXX. \nBank of America sent me another letter on XX/XX/XXXX to inform me that my new case has been closed again due to lack of evidence provided to them. I called Bank of America again to inform them that I emailed XXXX, but the customer service provider was very rude and denied to keep my case open as it passed the time frame they gave us. \nXXXX did not email me back until XX/XX/XXXX, telling me that based on their website policies, they would not issue refunds or replacements after 45 days since purchase. However, I had emailed them before, but they never resolved my issue and waited until the time limit had passed to let me know I cant even get a refund. \nI emailed XXXX back to inform them that they were mistaken as I had emailed them as soon as I received my purchase and found that they were defective and I could not even use them. Since that email they have not responded to me at all, which has occurred throughout this situation. They take forever to reply to my emails and they have a customer service number : XXXX, which they never answered when I called during their business hours. \nI have been scammed by XXXX and my Bank of America credit card has refused to continue to help me investigate this situation through. I am reaching out to you hoping you can help me solve this issue that I have been struggling with for the past 3-4 months. I will gladly send all documentations for you. I would very much appreciate your help. \nThank you XXXX XXXX","date_sent_to_company":"2019-09-26T11:01:38.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"89178","tags":null,"has_narrative":true,"complaint_id":"3387020","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2019-09-26T10:10:29.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I call Bank of America credit card to <em>inform</em> them immediately that I was out of town and to request that they allow time to continue <em>investigating</em> my case. They told me I needed to get into contact with XXXX again and that they would open a new case for me. I tried my best to email and call XXXX again to ask them to process me a return as the gift cards were empty or missing the <em>proper</em> amount, that was on XX/XX/XXXX."]},"sort":[12.07539,"3387020"]},{"_index":"complaint-public-v1","_id":"12005361","_score":12.059328,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Last month when I tried open a new bank account because of issues with XXXX XXXX checking account I found I had a Chase account bank account. Chase told me the account was closed and they would do further investigation to see about getting me information legally to me.. you spoke since quoted did it hurt my credit record I quoted I have to write to know about all things on my credit record whether it was harmful or not. And I wanted to know what activity was done in my name because i am the victim giving fraudulent and scammers rights over a American Citizen who is not taking from a innocent who gives Chase bank the right to say no activity on the account for years and i said thats seems odd to keep the account open with no activity for years and told the account was closed. I called the Fraud Department of Chase twice to get a confirmation number case number or something. Spokesman told me he had to do his research to see what could be disclosed to me.XXXX late that night XXXX? early morning i was looking into getting a buying a house loan to get my mail properly and grow. Applying on Chase House Loan i was informed i all ready had a Chase account. AGAIN My research determined rocket was a house leaning company. I never got a refund for the ACH transfer rocket to business.Transaction that was charged to my personal bank account. IF Chase had closed my account two months later it should not be the issue when i log into a Chase website to find out i still have a bank account with chase not only that but i was in the housing loan department not the bank department and informed i allready have a account? AGAIN and no proper professional.truth about what rights i have as a victim of this incident by a higher up, inform to speak with me about the issue.","date_sent_to_company":"2025-02-10T00:29:22.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"775XX","tags":null,"has_narrative":true,"complaint_id":"12005361","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-02-09T23:53:25.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["IF Chase had closed my account two months later it should not be the issue when i log into a Chase website to find out i still have a bank account with chase not <em>only</em> that but i was in the housing loan department not the bank department and informed i allready have a account? AGAIN and no <em>proper</em> professional.truth about what rights i have as a victim of this incident by a higher up, <em>inform</em> to speak with me about the issue."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[12.059328,"12005361"]},{"_index":"complaint-public-v1","_id":"12005233","_score":12.059328,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Last month when I tried open a new bank account because of issues with XXXX XXXX checking account I found I had a XXXX  account bank account. XXXX told me the account was closed and they would do further investigation to see about getting me information legally to me.. you spoke since quoted did it hurt my credit record I quoted I have to write to know about all things on my credit record whether it was harmful or not. And I wanted to know what activity was done in my name because i am the victim giving fraudulent and scammers rights over a XXXX XXXX who is not taking from a innocent who gives XXXX bank the right to say no activity on the account for years and i said thats seems odd to keep the account open with no activity for years and told the account was closed. I called the Fraud Department of XXXX twice to get a confirmation number case number or something. Spokesman told me he had to do his research to see what could be disclosed to XXXX late that night XXXX? early morning i was looking into getting a buying a house loan to get my mail properly and grow. Applying on XXXX House XXXX i was informed i all ready had a XXXX account. AGAIN My research determined rocket was a house leaning company. I never got a refund for the ACH transfer rocket to business.Transaction that was charged to my personal bank account. IF XXXX had closed my account two months later it should not be the issue when i log into a XXXX website to find out i still have a bank account with chase not only that but i was in the housing loan department not the bank department and informed i allready have a account? AGAIN and no proper professional.truth about what rights i have as a victim of this incident by a higher up, inform to speak with me about the issue.","date_sent_to_company":"2025-02-10T00:29:22.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"775XX","tags":null,"has_narrative":true,"complaint_id":"12005233","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-10T00:28:56.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["IF XXXX had closed my account two months later it should not be the issue when i log into a XXXX website to find out i still have a bank account with chase not <em>only</em> that but i was in the housing loan department not the bank department and informed i allready have a account? AGAIN and no <em>proper</em> professional.truth about what rights i have as a victim of this incident by a higher up, <em>inform</em> to speak with me about the issue."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[12.059328,"12005233"]},{"_index":"complaint-public-v1","_id":"3005617","_score":11.724052,"_source":{"product":"Debt collection","complaint_what_happened":"I submitted a complaint about this under a different category, but this category is the proper category because they have already taken action against me in a debt that is not only time barred ( 20 years old ) but also I was never given proper notice of the debt and the court proceedings. The response i got back from the debt collector DID NOT address any of my issues or attempt to resolve them. It simply stated that they got a default judgement against me for a debt that again is from 20 years ago ( XX/XX/1999 original debt ) and that they tacked on interest and fees. So again here is what I would like to know is why have I never heard anything from this debt collector in 20 years? The first I hear of this debt is from my employer when they inform me of a garnishment. I have not once tried to hide from anyone I have filed my taxes, done change of addresses every time I moved, filed for credit, received credit etc. why now do they seek to obtain resolution 20 years later and garnish my check. They could have garnished my check from 3 previous employers while I was actually living in XXXX. Why wait till I have moved out of XXXX? \n\nBelow is my original complaint I was checking my pay stub and noticed that it was much different than usual meaning it was short {$460.00}, the same day I received a letter in the mail from my HR department ( Not from a collection agency or any other source outside my employer ) stating that they hard a court order to garnish my check for 25 % of my earnings for 30 pay periods. There was no warning or notification that this was going to happen prior to this. I did not receive any attempts to collect a dept or any kind. When further investigating this debt I noticed it was from a debt that was over 20 years ago and the original debt was for {$6700.00}. At that time I was never notified that I had this debt and there were no attempts to collect this debt over the next 20 years. I have made several times over the 20 years but I constantly updated my address with the US Postal Service along with updated drives licence and obtained credit at each address so there was not chance that they could not locate me and send me notification or attempt to collect this debt I also had the same telephone number for the past 12 years. Also I filed federal and state income taxes for those years and that had my address on them so there was no reason they can say I was not reachable.. The interest and fees on the original amount is obscene as they made no attempt to collect the original debt. I am not saying I do not need to pay the original amount but I should not have to pay the interest and fees. I am willing to pay the original amount a rate that is reasonable to continue to live in my current location which is XXXX XXXX XXXX. which is one of highest cost living areas in the united states if not the highest.","date_sent_to_company":"2018-08-29T20:25:41.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"95126","tags":"Servicemember","has_narrative":true,"complaint_id":"3005617","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2018-08-29T20:00:35.000Z","state":"CA","company_public_response":null,"sub_issue":"Sued you without properly notifying you of lawsuit"},"highlight":{"complaint_what_happened":["I submitted a complaint about this under a different category, but this category is the <em>proper</em> category because they have already taken action against me in a debt that is not <em>only</em> time barred ( 20 years old ) but also I was <em>never</em> given <em>proper</em> notice of the debt and the court proceedings. The response i got back from the debt collector DID NOT address any of my issues or attempt to resolve them."]},"sort":[11.724052,"3005617"]},{"_index":"complaint-public-v1","_id":"14001252","_score":11.431897,"_source":{"product":"Mortgage","complaint_what_happened":"I am writing to formally express my serious concerns regarding Mr. Coopers handling of my mortgage loan transfer, lack of timely communication, and the persistent failure to provide access to a human customer service representative. \n\nOn XX/XX/year>, I received a letter from Mr. Cooper informing me that my auto payment had been canceled. That was the first and only communication I received regarding any changes to my account. Out of concern, I attempted to contact Mr. Cooper immediately only to face a highly frustrating and ineffective process. \n\nFor several days, I was repeatedly directed to automated or AI-driven voice systems. Every time I requested to speak to a live agent by saying customer service or selecting the appropriate prompts, the system would respond with statements like we seem to be having complications before abruptly hanging up on me. I attempted this multiple times, and each time was left without support. Additionally, the system offers an option to press * if you do not wish to be recorded, but that option is broken and only leads to the call being dropped. \n\nAt the same time, when I tried to log into my account online, the system falsely stated that my loan had been paid off which added to the confusion and concern that my account may have been compromised.\n\nWhen I finally reached a customer service representative after numerous attempts, I explained my frustration. She herself had difficulty locating my account, even after I provided the last four digits of both my and my husbands SSNs, our property address, and zip code. I was so stressed that I even mixed up the last four digits of my SSN at one point, which I quickly corrected.\n\nEventually, I was told that my loan had been transferred and that Mr. Cooper had allegedly mailed me a letter on XX/XX/year> which I never received. This lack of proper notice and confirmation regarding the transfer of my mortgage, one of the most significant financial responsibilities I carry, is deeply concerning. I was only informed of the new servicers details after repeatedly insisting that I had received no communication.\n\nOnce I called the new servicer, they confirmed that they had my account but also had not sent a welcome letter yet. They stated they had already pulled my auto-payment information from Mr. Coopers records , which was alarming considering I had not authorized any recent transfer. \n\nThis entire situation has caused undue stress, confusion, and a disruption to my ability to manage my mortgage payments responsibly. I fear that, without my proactive effort to investigate the issue, I could have missed a payment and incurred late fees through no fault of my own. \n\nThis is not the first time Ive had issues with Mr. Cooper. In the past, my homeowners insurance was removed from escrow without notice. I was told your team had trouble contacting my insurer and simply gave up, refunded my escrow balance without explaining why, and failed to inform me that my insurance had been canceled. I had to manually reinstate it myself. \n\nMr. Cooper has repeatedly failed to provide even the most basic level of communication and service expected from a mortgage servicer. The inability to reach a human being, the broken phone system, and the failure to properly notify me of a loan transfer all point to systemic neglect and customer disregard. \n\nThis matter has caused me unnecessary anxiety and wasted time. I expect a prompt, written response addressing these issues.","date_sent_to_company":"2025-06-10T13:29:37.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"20171","tags":null,"has_narrative":true,"complaint_id":"14001252","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2025-06-10T13:07:31.000Z","state":"VA","company_public_response":null,"sub_issue":"Loan sold or transferred to another company"},"highlight":{"complaint_what_happened":["Cooper had allegedly <em>mailed</em> me a letter on XX/XX/year> which I <em>never</em> received. This lack of <em>proper</em> notice and confirmation regarding the transfer of my mortgage, one of the most significant financial responsibilities I carry, is deeply concerning. I was <em>only</em> informed of the new servicers details after repeatedly insisting that I had received no communication.\n\nOnce I called the new servicer, they confirmed that they had my account but also had not sent a welcome letter yet."]},"sort":[11.431897,"14001252"]},{"_index":"complaint-public-v1","_id":"1550169","_score":11.429871,"_source":{"product":"Mortgage","complaint_what_happened":"I have a lengthy history with NationStar Mortgage with unaccounted funds roughly on the order now of {$110000.00}. First i received a notification from NationStar that i was roughly XXXX in arrears ( while in active BK ) that prompted for investigation. On or about XX/XX/XXXX i sent a qualified written request. The response was revealing not only was i not coded for active BK they also claimed not to have received at least 7 months of payments totalling the same. I requested forensic audit of missapplied funds with no success. Well i let it go because my Bankruptcy attorney told me since i was in an active chapter XXXX plan calling for a cram down to pay off mortgage note in 5 years once discharge was received i would be vindicated. However, for personal reasons i chose to dismiss plan voluntarily. On or about XX/XX/XXXX i sent letter of intent and QWR again to NationSTar requesting normal mortgage servicing and reconciliationof roughly {$110000.00} or more of funds which were mailed directly from Chapter XXXX trustees office. Upon dismissal not only did Nationstar inform me that the account was not coded for normal servicing but that they could not account for all the funds received. I was further notified today on XX/XX/XXXX at in fact i was contractually up to date but that i had a balloon payment under \" corporate advances '' of {$70000.00} in addition to a principal of {$35000.00} which was due as a balloon note and will come due on XX/XX/XXXX. I was further informed that this balloon was a result of a streamline in house modification which i never approved nor was not made aware of the of the contents of such an offer much less affix my signature to the same ( all done without the trustees permission ). Apparently a very crafty investor at play, On XX/XX/XXXX i sent another QWR requesting proper application of funds with not so much as a letter to provide outcome. On or about XX/XX/XXXX i was told a letter wen tout to bk attorney that cram down as void but with no accounting of the funds received. Contractually under original terms of mortgage i had a 30 year fixed rate mortgage at 7,125 % with a payment {$1700.00} taxes and insurance included. Through the plan Nationstar was received {$2000.00} and upon filing petition i was only 2 months delinquent. Basically there are violations of consumer protection law on several fronts. I will attach evidence of my intent to communicate with NationStar to resolve this issue. I am a firm believer that a lot of problems with banks stem from miscommunication. However, in the present matter the facts do tell a more revealing story.","date_sent_to_company":"2015-09-03T14:32:00.000Z","issue":"Loan servicing, payments, escrow account","sub_product":"Conventional fixed mortgage","zip_code":"010XX","tags":null,"has_narrative":true,"complaint_id":"1550169","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NATIONSTAR MORTGAGE LLC","date_received":"2015-09-03T03:34:06.000Z","state":"MA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["On or about XX/XX/XXXX i sent letter of intent and QWR again to NationSTar requesting normal mortgage servicing and reconciliationof roughly {$110000.00} or more of funds which were <em>mailed</em> directly from Chapter XXXX trustees office. Upon dismissal not <em>only</em> did Nationstar <em>inform</em> me that the account was not coded for normal servicing but that they could not account for all the funds received."]},"sort":[11.429871,"1550169"]},{"_index":"complaint-public-v1","_id":"2717927","_score":11.295687,"_source":{"product":"Debt collection","complaint_what_happened":"Pressler and Pressler represents XXXX XXXX in the amount of {$9400.00} and commenced action XXXX XXXX XXXX in XXXX XXXX NJ against Husband and wife.. \n\nHusband and wife resided in XXXX XXXX NJ for approx 15 years.Husband and wife moved on or about XXXX XXXX XXXX to XXXX XXXX XXXX NJ over 100 miles away, On XXXX XXXX XXXX Pressler and Pressler attempted service to Husband and wife by certified mail and regular mail. Both certified mail 's were returned as undeliverable and Husband 's regular mail was returned with words written upon envelope : no such person resides here '' 3 times ... as if someone Wife 's regular was not returned.\nService was said to be effectuated upon Wife. \n\non or about XXXX XXXX XXXX Wife was given a writ of wage execution by her employer. This is when Husband and wife found out about the lawsuit.\nWe found out that Pressler and Pressler filed suit against Husband and wife upon an address that Husband and wife did not live at since XXXX of XXXX. \n\nPressler relied upon only XXXX XXXX 's last known address and did not attempt to do any other investigations to confirm such address. This is not first time for this attorney to do a proper lawsuit. It is their professional duty and conduct to make sure they are correct. and When something seems wrong from the start, it is a responsibility to the unsuspected public and their duty to make sure they are correctly effectuating a lawsuit and sending proper notices ... \n\nPressler and Pressler did not send a letter prior to the suit to inform Husband and wife of the debt or potential actions therefore no validation of the debt was able to be provided Pressler and Pressler said they knew of Husband and wife 's actual address XXXX of XXXX, n a motion response dated XXXX XXXX, yet still continued to not send Husband or Wife any court papers such judgment orders, wage execution letters or writs, which were all done after XXXX XXXX. We know this from their answers provided upon vacating the actions of judgement and garnishment of wages. They acknowledged their knowing of Husband and wife 's new address.\nPressler and Pressler violated the law in many ways that an experienced debt collector should have known to not violate and yet continued to push thru a lawsuit without regard to Husband and wife, court rules, state laws and federal laws.\nPressler and Pressler continues to attempt to take Husband and wife 's property by making and deceptively making a wage garnishment ... Pressler and Pressler admitting knew and know of Husband and wife 's address ... But failed to serve with documentation communicate at anytime other than to push a lawsuit against them without allowing them to defend themselves. \n\nThey will try to say it was excusable and not intentional however they know the procedures and need to be held accountable to each of them. They made no attempt to look and confirm addresses and continuously ignored procedures to get to a final verdict with ease ... Taking of Husband and wife 's money and property.ignoring court rules and intentionally causing harm to Husband and Wife.\nUpon calling Pressler and Pressler in XXXX XXXX to discuss the matter, they indicated that did not have our actual address updated in their systems. On the initial communication of that call I spoke to a paralegal and I was put on hold to discuss matters with an attorney. I was put on hold then to voice mail The attorney called back and seem to know very little about my account and the situation. \n\nDeceptive practices such as this by Pressler and Pressler are ignored and can not be ignored any longer. Their previous actions are on record and actions need to be taken to stop their deceptive practices here and in the future. \n\nWhen i called to discuss my matter on XXXX XXXX XXXX, they had me on hold for such a long time as if to update the attorneys on the case. They told me on the phone they did not have my updated address ... When you call, you talk to only a paralegal ... and then passed to an attorney ... who returns calls only so you are put into a voice mail system. \n\nThey never showed at the motion hearing and this indicates to me that my case fell between the cracks with little to no attention given to procedures that an attorney should be doing. XXXX different attorneys handled the papers as they proceeded to slip the service, the judgement and the wage garnishment thru ... How can 4 different attorneys ignore sending papers to a defendant when they say they know of the address but then say they never knew of the address.\nPressler and Pressler has already been sanctioned with a fine by the CFPB ... for practices ... I think I would leave the sanctions to CFPB and hope that you will make a statement to wake up the overlooking that is taken by firms such as Pressler and Pressler to be able to get away with taking people 's money with no regard to rules or merely running along the rules just to slip thru cracks as opportunity is given. XXXX producing lawsuits upon people and using the numbers to benefit their bottom line for profit. \n\nThe courts take stances that defendants are wrong if they arrive in court pro se I can attest this by this very same case when the judge admitted no service was effectuated but yet set a trial within 10 days of the very same motion hearing date.","date_sent_to_company":"2017-11-01T14:48:41.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"082XX","tags":null,"has_narrative":true,"complaint_id":"2717927","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Pressler & Pressler, LLP","date_received":"2017-11-01T14:27:08.000Z","state":"NJ","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Seized or attempted to seize your property"},"highlight":{"complaint_what_happened":["Pressler relied upon <em>only</em> XXXX XXXX 's last known address and did not attempt to do any other <em>investigations</em> to confirm such address. This is not first time for this attorney to do a <em>proper</em> lawsuit. It is their professional duty and conduct to make sure they are correct. and When something seems wrong from the start, it is a responsibility to the unsuspected public and their duty to make sure they are correctly effectuating a lawsuit and sending <em>proper</em> notices ..."]},"sort":[11.295687,"2717927"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":236,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":236}]}},"product":{"doc_count":236,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":64,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":64}]}},{"key":"Debt collection","doc_count":61,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":23},{"key":"I do not know","doc_count":15},{"key":"Other debt","doc_count":9},{"key":"Mortgage debt","doc_count":7},{"key":"Medical debt","doc_count":3},{"key":"Payday loan debt","doc_count":2},{"key":"Other (i.e. phone, health club, etc.)","doc_count":1},{"key":"Telecommunications debt","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":40,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":39},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Checking or savings account","doc_count":18,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":16},{"key":"Other banking product or service","doc_count":2}]}},{"key":"Mortgage","doc_count":17,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":10},{"key":"FHA mortgage","doc_count":3},{"key":"Conventional fixed mortgage","doc_count":1},{"key":"Home equity loan or line of credit (HELOC)","doc_count":1},{"key":"Reverse mortgage","doc_count":1},{"key":"VA mortgage","doc_count":1}]}},{"key":"Credit card","doc_count":13,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":12},{"key":"Store credit card","doc_count":1}]}},{"key":"Credit card or prepaid card","doc_count":10,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":8},{"key":"Store credit card","doc_count":2}]}},{"key":"Vehicle loan or lease","doc_count":7,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":5},{"key":"Lease","doc_count":2}]}},{"key":"Bank account or service","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other bank product/service","doc_count":1}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Domestic (US) money transfer","doc_count":1}]}},{"key":"Payday loan, title loan, or personal loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Payday loan","doc_count":1}]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Personal line of credit","doc_count":1}]}},{"key":"Prepaid card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Payroll card","doc_count":1}]}},{"key":"Student loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":1}]}}]}},"issue":{"doc_count":236,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempts to collect debt not owed","doc_count":39,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt was result of identity theft","doc_count":16},{"key":"Debt is not yours","doc_count":13},{"key":"Debt was paid","doc_count":8},{"key":"Debt was already discharged in bankruptcy and is no longer owed","doc_count":2}]}},{"key":"Incorrect information on your report","doc_count":38,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":17},{"key":"Account status incorrect","doc_count":14},{"key":"Account information incorrect","doc_count":7}]}},{"key":"Improper use of your report","doc_count":33,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":29},{"key":"Credit inquiries on your report that you don't recognize","doc_count":4}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":22,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":14},{"key":"Was not notified of investigation status or results","doc_count":4},{"key":"Investigation took more than 30 days","doc_count":3},{"key":"Problem with personal statement of dispute","doc_count":1}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":12,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":5},{"key":"Was not notified of investigation status or results","doc_count":4},{"key":"Investigation took more than 30 days","doc_count":3}]}},{"key":"Problem with a purchase shown on your statement","doc_count":11,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company isn't resolving a dispute about a purchase on your statement","doc_count":9},{"key":"Card was charged for something you did not purchase with the card","doc_count":2}]}},{"key":"Managing an account","doc_count":10,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Deposits and withdrawals","doc_count":6},{"key":"Problem using a debit or ATM card","doc_count":2},{"key":"Banking errors","doc_count":1},{"key":"Funds not handled or disbursed as instructed","doc_count":1}]}},{"key":"Struggling to pay mortgage","doc_count":8,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure","doc_count":2},{"key":"Foreclosure","doc_count":1}]}},{"key":"Took or threatened to take negative or legal action","doc_count":8,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Sued you without properly notifying you of lawsuit","doc_count":4},{"key":"Seized or attempted to seize your property","doc_count":1},{"key":"Threatened or suggested your credit would be damaged","doc_count":1},{"key":"Threatened to arrest you or take you to jail if you do not pay","doc_count":1},{"key":"Threatened to sue you for very old debt","doc_count":1}]}},{"key":"False statements or representation","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":7}]}},{"key":"Other features, terms, or problems","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem","doc_count":5},{"key":"Credit card company forcing arbitration","doc_count":1},{"key":"Privacy issues","doc_count":1}]}},{"key":"Trouble during payment process","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan sold or transferred to another company","doc_count":3},{"key":"Escrow, taxes, or insurance","doc_count":1}]}},{"key":"Written notification about debt","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive enough information to verify debt","doc_count":3},{"key":"Didn't receive notice of right to dispute","doc_count":2}]}},{"key":"Closing your account","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":3}]}},{"key":"Problem caused by your funds being low","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Non-sufficient funds and associated fees","doc_count":2},{"key":"Bounced checks or returned payments","doc_count":1}]}},{"key":"Problem with a lender or other company charging your account","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Transaction was not authorized","doc_count":2},{"key":"Can't stop withdrawals from your account","doc_count":1}]}},{"key":"Repossession","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account reinstatement or redemption after repossession","doc_count":1},{"key":"Deficiency balance after repossession","doc_count":1},{"key":"Notice to repossess","doc_count":1}]}},{"key":"Closing an account","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":1},{"key":"Funds not received from closed account","doc_count":1}]}},{"key":"Struggling to pay your loan","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Denied request to lower payments","doc_count":1},{"key":"Loan balance remaining after the vehicle is repossessed and sold","doc_count":1}]}},{"key":"Applying for a mortgage or refinancing an existing mortgage","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Cont'd attempts collect debt not owed","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt resulted from identity theft","doc_count":1}]}},{"key":"Dealing with your lender or servicer","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Received bad information about your loan","doc_count":1}]}},{"key":"Fees or interest","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with fees","doc_count":1}]}},{"key":"Fraud or scam","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Getting a loan or lease","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Fraudulent loan","doc_count":1}]}},{"key":"Loan servicing, payments, escrow account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Managing the loan or lease","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan sold or transferred to another company","doc_count":1}]}},{"key":"Problem with a purchase or transfer","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Charged for a purchase or transfer you did not make with the card","doc_count":1}]}},{"key":"Problem with additional add-on products or services","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Threatened to contact someone or share information improperly","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Contacted you after you asked them to stop","doc_count":1}]}},{"key":"Using a debit or ATM card","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Was approved for a loan, but didn't receive the money","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":236,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":234},{"key":"No","doc_count":2}]}},"company_response":{"doc_count":236,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":169},{"key":"Closed with non-monetary relief","doc_count":57},{"key":"Closed with monetary relief","doc_count":10}]}},"submitted_via":{"doc_count":236,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":236}]}},"company":{"doc_count":236,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":35},{"key":"EQUIFAX, INC.","doc_count":24},{"key":"Experian Information Solutions Inc.","doc_count":22},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":11},{"key":"CITIBANK, N.A.","doc_count":10},{"key":"JPMORGAN CHASE & CO.","doc_count":10},{"key":"Resurgent Capital Services L.P.","doc_count":5},{"key":"ENCORE CAPITAL GROUP INC.","doc_count":4},{"key":"NAVY FEDERAL CREDIT UNION","doc_count":4},{"key":"U.S. BANCORP","doc_count":4},{"key":"WELLS FARGO & COMPANY","doc_count":4},{"key":"ALLY FINANCIAL INC.","doc_count":3},{"key":"Blitt and Gaines, P.C.","doc_count":3},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":3},{"key":"Mr. Cooper Group Inc.","doc_count":3},{"key":"National Credit Systems,Inc.","doc_count":3},{"key":"PNC Bank N.A.","doc_count":3},{"key":"Portfolio Recovery Associates, LLC","doc_count":3},{"key":"SYNCHRONY FINANCIAL","doc_count":3},{"key":"Credit Control, LLC","doc_count":2},{"key":"Fidelity National Information Services, Inc. (FNIS)","doc_count":2},{"key":"GOLDMAN SACHS BANK USA","doc_count":2},{"key":"I.C. System, Inc.","doc_count":2},{"key":"LEXISNEXIS","doc_count":2},{"key":"NATIONSTAR MORTGAGE LLC","doc_count":2},{"key":"Populus Financial Group, Inc. (F/K/A Ace Cash Express)","doc_count":2},{"key":"Shellpoint Partners, LLC","doc_count":2},{"key":"TD BANK US HOLDING COMPANY","doc_count":2},{"key":"ADP Inc.","doc_count":1},{"key":"AMERICAN EXPRESS COMPANY","doc_count":1},{"key":"AMERISAVE MORTGAGE CORPORATION","doc_count":1},{"key":"ARS National Services, Inc.","doc_count":1},{"key":"Affirm Holdings, Inc","doc_count":1},{"key":"BARCLAYS BANK DELAWARE","doc_count":1},{"key":"Barnhall Financial Services, Inc.","doc_count":1},{"key":"Bread Financial Holdings, Inc.","doc_count":1},{"key":"Bridgecrest Acceptance Corporation","doc_count":1},{"key":"CAVALRY INVESTMENTS, LLC","doc_count":1},{"key":"CBC Companies, Inc.","doc_count":1},{"key":"CREDIT ACCEPTANCE CORPORATION","doc_count":1},{"key":"Chime Financial Inc","doc_count":1},{"key":"Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)","doc_count":1},{"key":"Convergent Resources, Inc.","doc_count":1},{"key":"Credit Corp Solutions Inc.","doc_count":1},{"key":"Credit Karma, LLC","doc_count":1},{"key":"DISCOVER BANK","doc_count":1},{"key":"Diversified Consultants, Inc.","doc_count":1},{"key":"E*TRADE BANK","doc_count":1},{"key":"FIFTH THIRD FINANCIAL CORPORATION","doc_count":1},{"key":"FULTON FINANCIAL CORPORATION","doc_count":1},{"key":"Freedom Mortgage Company","doc_count":1},{"key":"ID Analytics, Inc.","doc_count":1},{"key":"Jim Bottin Enterprises, Inc","doc_count":1},{"key":"Law Office of Michael J. Scott, PC","doc_count":1},{"key":"MUTUAL OF OMAHA MORTGAGE, LLC","doc_count":1},{"key":"Mercury Financial Intermediate LLC","doc_count":1},{"key":"Navient Solutions, LLC.","doc_count":1},{"key":"Nelson Cruz & Associates LLC","doc_count":1},{"key":"Ocwen Financial Corporation","doc_count":1},{"key":"Oliphant United, Inc.","doc_count":1},{"key":"PROSPERITY BANCSHARES, INC.","doc_count":1},{"key":"Phelan Hallinan Diamond & Jones, PC","doc_count":1},{"key":"Pressler & Pressler, LLP","doc_count":1},{"key":"Quality Loan Service Corporation","doc_count":1},{"key":"Radius Global Solutions LLC","doc_count":1},{"key":"Regional Management Corporation","doc_count":1},{"key":"Renton Collections Inc.","doc_count":1},{"key":"Revco Management, LLC","doc_count":1},{"key":"Rubin & Rothman, LLC","doc_count":1},{"key":"SAN DIEGO COUNTY CREDIT UNION","doc_count":1},{"key":"SANTANDER HOLDINGS USA, INC.","doc_count":1},{"key":"SELECT PORTFOLIO SERVICING, INC.","doc_count":1},{"key":"SOFI TECHNOLOGIES, INC.","doc_count":1},{"key":"Santander Consumer USA Holdings Inc.","doc_count":1},{"key":"Self Financial Inc.","doc_count":1},{"key":"Skrill USA, Inc.","doc_count":1},{"key":"Source Receivables Management LLC","doc_count":1},{"key":"Specialized Loan Servicing Holdings LLC","doc_count":1},{"key":"Spring Oaks Capital, LLC","doc_count":1},{"key":"State Collection Service, Inc.","doc_count":1},{"key":"Synovus Bank","doc_count":1},{"key":"TOYOTA MOTOR CREDIT CORPORATION","doc_count":1},{"key":"TRANSWORLD SYSTEMS INC","doc_count":1},{"key":"TRUIST FINANCIAL CORPORATION","doc_count":1},{"key":"TSC Accounts Receivable Solutions","doc_count":1},{"key":"The CMI Group, Inc.","doc_count":1},{"key":"The Law Offices of Kenosian & Miele, LLP","doc_count":1},{"key":"WESTERN ALLIANCE BANCORPORATION","doc_count":1},{"key":"Westlake Services, LLC","doc_count":1}]}},"state":{"doc_count":236,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"TX","doc_count":33},{"key":"FL","doc_count":28},{"key":"IL","doc_count":28},{"key":"CA","doc_count":25},{"key":"NY","doc_count":12},{"key":"VA","doc_count":10},{"key":"NJ","doc_count":9},{"key":"GA","doc_count":8},{"key":"MD","doc_count":8},{"key":"NC","doc_count":8},{"key":"TN","doc_count":8},{"key":"AZ","doc_count":6},{"key":"OH","doc_count":6},{"key":"MO","doc_count":5},{"key":"WA","doc_count":5},{"key":"KY","doc_count":4},{"key":"MS","doc_count":4},{"key":"DE","doc_count":3},{"key":"MA","doc_count":3},{"key":"MI","doc_count":3},{"key":"PA","doc_count":2},{"key":"WY","doc_count":2},{"key":"AK","doc_count":1},{"key":"AL","doc_count":1},{"key":"CO","doc_count":1},{"key":"CT","doc_count":1},{"key":"GU","doc_count":1},{"key":"IA","doc_count":1},{"key":"IN","doc_count":1},{"key":"LA","doc_count":1},{"key":"MN","doc_count":1},{"key":"MT","doc_count":1},{"key":"NV","doc_count":1},{"key":"OK","doc_count":1},{"key":"OR","doc_count":1},{"key":"PR","doc_count":1},{"key":"SC","doc_count":1},{"key":"VT","doc_count":1}]}},"company_public_response":{"doc_count":236,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":106},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":9},{"key":"Company believes the complaint is the result of a misunderstanding","doc_count":2},{"key":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","doc_count":1},{"key":"Company believes the complaint provided an opportunity to answer consumer's questions","doc_count":1},{"key":"Company chooses not to provide a public response","doc_count":1},{"key":"Company disputes the facts presented in the complaint","doc_count":1}]}},"tags":{"doc_count":236,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":27},{"key":"Older American","doc_count":15},{"key":"Older American, Servicemember","doc_count":3}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[11.295687,"2717927"],"3":[9.540565,"4711014"],"4":[8.039989,"19213081"],"5":[7.244582,"3807983"],"6":[6.5494833,"10294559"],"7":[5.645565,"3869568"],"8":[5.066229,"2539202"]}}}