{"took":284,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":34,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"16770703","_score":17.41478,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint # XXXX Experian ( Consumer Credit Reporting ) Company : Experian Information Solutions , Inc . \nProduct/Issue : Credit reporting Incorrect information on your report Problem with a credit reporting companys investigation Date problem began : XX/XX/year> Previously contacted the company? Yes dispute and Method of Verification ( MOV ) requests submitted ; inadequate response. \n\nWhat happened ( Problem narrative ) I am disputing an Experian-only tradeline reported as XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX. This account appears only on Experian and is absent from TransUnion and Equifax, indicating misattribution, mixed-file contamination, or an unverifiable insertion. \n\nKey defects Experian-only discrepancy ( FCRA 607 ( b ), 611 ) : Experian reports the account as XXXX, 30 Days Late, opened XX/XX/year>, balance {$100000.00}, term 84 months, last reported XX/XX/year>. No corresponding tradeline exists at other CRAs. Experian has not produced a signed application/contract, payment ledger, or a furnisher-certified verification. \n\nLate-Marker violation Metro 2 Code 162 : Experian is displaying a 30-day late without a complete month-by-month payment history or ledger support. Metro 2 requires a chronological history and documentation for late coding. Reporting late status without that support is incomplete/misleading and violates FCRA 607 ( b ) and 611 ( a ). \n\nLate-Marker Evidence Table ( Experian ) : Furnisher : XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX | Month : XX/XX/year> | Experian shows : 30 Days Late | Proof : No ledger/DLP provided Code 162 defect Remedy : delete late ; if unverifiable, delete entire tradeline. \n\nNo permissible-purpose inquiry on file ( FCRA 604 ( a ) ) : Experians disclosure shows no hard or soft inquiry from XXXX XXXX XXXX or affiliates ) around XX/XX/year>. Reporting an installment loan without a corresponding permissible-purpose inquiry and without a signed application/E-SIGN audit trail violates 604 ( a ) and 607 ( b ).\n\nReinsertion concern 611 ( a ) ( 5 ) ( B ) : Items previously corrected have reappeared without furnisher certification or 5-day written notice. I requested MOV ; Experian did not provide adequate documentation.\n\nIdentity-theft/mixed-file indicators 605B : Prior breach exposure and address/identifier anomalies exist. Any unverifiable identity-theft items must be blocked under 605B.","date_sent_to_company":"2025-10-24T05:21:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30331","tags":null,"has_narrative":true,"complaint_id":"16770703","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-24T05:16:17.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Product/Issue : Credit reporting Incorrect information on your report Problem with a credit reporting companys investigation Date problem began : XX/XX/year> Previously contacted the company? Yes dispute and Method of Verification ( MOV ) requests submitted ; inadequate response. \n\nWhat happened ( Problem narrative ) I am disputing an Experian-only tradeline reported as XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX."]},"sort":[17.41478,"16770703"]},{"_index":"complaint-public-v1","_id":"3512627","_score":16.815819,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have student loans through Navient with approximately {$3600.00} remaining. I currently work at a XXXX that has a loan forgiveness program and my employer directly sends $ XXXX/year to Navient and in return I work for a year each $ XXXX they send on my behalf. This occurred twice. The first year I never received a bill from Navient as the $ XXXX covered my typical $ XXXX/mo statement throughout the year. The second year I began receiving statements before reaching the next year mark of payment from my employer. I honestly missed the first statement as I wasn't looking for one since I did not receive one the previous year. I did see a second one that came and I immediately called Navient to inquire about the status of my loan as I thought this was a clerical error. I spoke to a young lady who could not tell me why I was receiving a bill this year and I did not the previous year. She stated she would launch an internal investigation into this and I would receive a report on their findings. I thoroughly questioned her on their credit reporting terms and she informed me that Navient does not report until the account is 90 days late and assured me that I was \" well within that window ''. Approximately one month later I noticed that I did not receive the report I was promised. I called Navient and spoke to a lady that informed me that my account was reported that very morning to the credit bureaus. I asked to speak to a supervisor and she informed me that I did not receive a report because \" a box wasn't checked ''. I told her that I could pay now and that was never the problem. My only problem was I honestly thought it was a clerical error. She offered a forbearance and I informed her I was never offered that the first time I called and I wish I would have been because I would have done that so that my account would not have hit the 90 day late period. The supervisor was surprised I was not offered this option and agreed that the previous representative I spoke with could benefit from some additional guidance/training. She encouraged me to dispute the reporting and I later did so. I sent a my credit report showing late payment and a very detailed letter explaining what occurred. I was denied the removal of late payment from all the credit bureaus. I feel had I been given accurate information from the first call I made then this never would have occurred. I never attempted to dodge this responsibility and I contacted Navient numerous times throughout this process. My account with Navient is up to date and there is honestly not one single late payment on my entire 7 year credit report other than this one. Navient misled me me from the very first call and I wasn't offered the services that would have given me protection to avoid this very large error. I do not have anything in writing where they admit fault but they did record each call that I made and on XX/XX/XXXX is when I was finally offered what I should have been offered on the first call.","date_sent_to_company":"2020-01-29T06:00:14.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"70592","tags":null,"has_narrative":true,"complaint_id":"3512627","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2020-01-29T00:13:20.000Z","state":"LA","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["I honestly missed the first statement as I wasn't looking for one since I did not receive one the previous year. I did see a second one that came and I immediately called Navient to inquire about the status of my loan as I thought this was a clerical error. I spoke to a young lady who could not tell me why I was receiving a bill this year and I did not the previous year. She stated she would launch an internal investigation into this and I would receive a report on their findings."],"issue":["Problem with a credit reporting company's investigation into an existing problem"],"sub_issue":["Problem with personal statement of dispute"]},"sort":[16.815819,"3512627"]},{"_index":"complaint-public-v1","_id":"15101643","_score":16.100231,"_source":{"product":"Credit card","complaint_what_happened":"To whom it may concern, I am filing this complaint due to a repeated, unresolved dispute with Apple Card XXXX Goldman Sachs Bank USA XXXX regarding a merchant charge for an incorrect item that I never agreed to keep or use. Despite submitting all requested documentation on multiple occasions, my claim has been repeatedly denied without justification, and the charge continues to be re-applied to my account. \n\nTimeline of Events : XX/XX/year> : I purchased a pair of XXXX XXXX XXXX XXXX Waterproof Trekking Shoes ( Womens, XXXX, XXXX XXXX ) from an online merchant. \nXX/XX/year> : The order arrived, but the wrong size was sent. I contacted the merchant immediately, informing them of the error. \nXX/XX/year> : The merchant responded and asked me to return the shoes at my own expense, which would cost approximately {$50.00} in international return shipping, even though the mistake was theirs. \nI requested a pre-paid return label, as I was willing to return the incorrect item for a full refund. The merchant refused, despite previously resolving a similar error at no cost to me. \nXX/XX/year> to XXXX ( XX/XX/year> ) : I began filing disputes, first through XXXX, who could not resolve the issue and directed me to Apple Card. Since then, I have submitted numerous disputes directly with Apple Card, including photographic evidence, email correspondence with the merchant, and all supporting documentation. \n\nDespite this, every claim has been denied with the justification that I did not submit documents, which is false. I have uploaded and resubmitted my documents repeatedly. \n\nTo make matters worse, the charge continues to be re-applied to my account after each denial, forcing me into an endless loop of refiling disputes and contacting customer service through both phone and text channels. I have never been connected with a representative who can provide real assistance or escalate the matter. \n\nNature of the Problem : Merchant error : wrong item shipped Refusal to provide a pre-paid return label for their mistake Apple Card repeatedly denies legitimate disputes without review of documentation Charge is re-added each time without resolution No meaningful customer service or escalation process provided Emotional stress, wasted time, and financial damage due to lack of support Requested Resolution : 1. A full reversal of the charge for the merchandise I did not order and did not agree to keep.\n\n2. An investigation into Apple Cards failure to properly process disputes and repeated denials without cause.\n\n3. A review of Goldman Sachs dispute handling protocol as this has caused significant emotional and financial distress. \n4. An assurance that I will not be recharged for this disputed transaction again.\n\nThis process has dragged on for over five months, and I have done everything within reason to provide documentation and cooperate. I am requesting the CFPBs help in bringing this to resolution. Thank you for your time and consideration.","date_sent_to_company":"2025-08-05T10:28:44.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"92679","tags":null,"has_narrative":true,"complaint_id":"15101643","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2025-08-05T10:04:12.000Z","state":"CA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["The merchant refused, despite previously resolving a similar error at no cost to me. \nXX/XX/year> to XXXX ( XX/XX/year> ) : I began filing disputes, first through XXXX, who could not resolve the issue and directed me to Apple Card. Since then, I have submitted numerous disputes directly with Apple Card, including photographic evidence, email correspondence with the merchant, and all supporting documentation."],"issue":["Problem with a purchase shown on your statement"],"sub_issue":["Credit card company isn't resolving a dispute about a purchase on your statement"]},"sort":[16.100231,"15101643"]},{"_index":"complaint-public-v1","_id":"3382041","_score":14.147231,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"My car began overheating so I had it towed to a mechanic that was recommended by a oil change company which happened to be fairly close to where my car began overheating. After a number of days of inspecting and diagnosing the problem I was contacted and told that there was a leak in the water distribution assembly and needed to have the gaskets replaced. The repair would be roughly {$600.00}. I agreed to have the repairs completed ; I received a call a few days later and was told the repairs were made however, there was a piece of the radiator that broke off and now the radiator needed to be replaced. They expressed that they only use genuine XXXX parts and the total cost of the original repair and the additional repair was roughly {$1500.00}. In addition, I was charged for repairs on the invoice that were clearly listed on the same invoice as deferred services. Once I picked up the car, I noticed that the check engine lights came on again and took the car back to the mechanic. They said the codes were the same from the original repair and must not have been cleared, so they cleared them and sent me on my way. A few days later, the check engine light came on again. I called the mechanic and was told that it would be 3-4 days before they would be able to look at the car again, fear of the car overheating again, I took the car to XXXX, the manufacturer. I requested a complete inspection and diagnostics, and was told that the radiator needed to be replaced and that its impossible for a genuine XXXX radiator to bust at the seams and leak antifreeze in less than year of usage, certainly not within 1 month. I paid for the repairs through XXXX and disputed the transaction from the previous mechanic because they did not perform the service as requested and agreed upon as well as charging for additional services that were declined. \n\nUpon disputing the transaction, the dispute was first declined without requesting any information whatsoever from me, the customer of Capital One and the person filing the dispute. Within that same document denying my dispute, Capital One said if I wanted to continue this dispute I should send a signed and dated letter along with documentation proving that the work was not completed as agreed. \n\nI addressed and provided details, video from the XXXX technician showing the radiator which was replaced by the first mechanic, leaking antifreeze at multiple points on the seams of the radiator. The new radiator which was described by the first mechanic as a genuine XXXX part, is leaking within 30 days of installation. The XXXX mechanic also concluded that this could not be a genuine XXXX radiator that was installed. I also provided the inspection report from XXXX stating that the radiator needed to be replaced, invoice of the radiator replacement, completed by XXXX and paid by me ; a timeline and additional notes of what occurred. The invoice/inspection document from XXXX, is clearly provided on a XXXX inspection document. These documents also have the company 's pre-printed letterhead listing the name and address of XXXX. Also, based on the document provided by Capitalone, It was to conduct an investigation and to allow 10 days for the investigation to be completed. Capital One noted that they received my documentation On XX/XX/2019, and the document it provided telling me my dispute was closed, was also dated for XX/XX/2019. Highly unlikely that any investigation was conducted. Especially since certain information proving breach of contract is listed on the second page of the agreement ; the merchant also did not provide all pages of the contract, nor did I receive it. Furthermore, Capital one is supposed to be submitting this dispute to Mastercard on my behalf ; however it doesn't appear that they are or want to. Nor are they concerned about protecting its senior customers from unethical merchants making charging its customers for work not completed and parts not provided and using the Mastercard as a vehicle to do so.","date_sent_to_company":"2019-09-21T21:46:03.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"60302","tags":"Servicemember","has_narrative":true,"complaint_id":"3382041","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2019-09-21T20:28:41.000Z","state":"IL","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["My car began overheating so I had it towed to a mechanic that was recommended by a oil change company which happened to be fairly close to where my car began overheating. After a number of days of inspecting and diagnosing the problem I was contacted and told that there was a leak in the water distribution assembly and needed to have the gaskets replaced. The repair would be roughly {$600.00}."],"issue":["Problem with a purchase shown on your statement"],"sub_issue":["Credit card company isn't resolving a dispute about a purchase on your statement"]},"sort":[14.147231,"3382041"]},{"_index":"complaint-public-v1","_id":"14666015","_score":13.461481,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"On XX/XX/year>, not the XXXX or XXXX, A fair resolution to this issue would include, but not be limited to, the following : * Full Refund : A complete refund of the {$2600.00} paid to XXXX XXXX through Affirm, as no services were provided and I was unable to access the tools necessary to comply with their refund policy.\n\n* Credit Report Correction : Immediate and permanent removal of all negative reporting related to this account from my credit report, specifically any mentions of late payments, as the debt has been actively and consistently disputed since shortly after the purchase date.\n\n* Cessation of Collections : An immediate halt to all further collection attempts, including emails, text messages, and phone calls, from XXXX XXXX Affirm, Asset Builders, or any other affiliated entities.\n\n* Debt Forgiveness/Cancellation : Complete forgiveness and cancellation of any remaining alleged debt, including the disputed amounts of {$4300.00} and {$3800.00}, given the lack of clear agreement, conflicting information, and admitted confusion by Asset Builders.\n\n* Investigation and Accountability : A thorough investigation into the deceptive practices, aggressive collection tactics, conflicting financial demands, and inconsistent and confusing refund offers from XXXX XXXX Affirm, and XXXX XXXX to prevent similar issues for other consumers.I agreed to a loan for {$2600.00} at {$260.00} per month for 12 months, financed through Affirm, for services from XXXX XXXXy. This was not the agreement for {$4300.00} at {$1400.00} a week for 3 weeks that they are also claiming in separate communications.\n\nWithin a month of the purchase date, I began attempts to dispute this charge and the discrepancies with both Affirm and XXXX XXXX. I later discovered that XXXX XXXX sent conflicting emails, one mentioning {$4300.00} at {$1200.00} a week for 3 weeks, and another mentioning {$3800.00} at {$1200.00} for XXXX weeks, both alongside the {$260.00} monthly payment to Affirm. \nI subsequently found out another financial provider, Asset Builders, was involved, whom I was completely unaware of and could not find online. After I initiated a dispute with Affirm, they seemingly contacted Asset Builders, who then reached out to me. Asset Builders admitted they had no clue how 'this mess up happened ' but still demanded I pay the {$2600.00}, and then hung up on me. During this conversation, Asset Builders inexplicably offered to refund me {$500.00} for a previous program I had purchased from XXXX XXXX, despite my current complaint being solely about the {$2600.00} loan. This willingness to refund a separate, un-disputed prior purchase, while refusing to address the immediate and larger issue at hand, is perplexing and further illustrates their inconsistent and uncooperative behavior. \nDuring this sole conversation, before admitting confusion, the Asset Builders representative attempted to deny my refund by falsely claiming I was late on a payment for the {$2600.00} loan, which was unequivocally untrue at that time. \nXXXX XXXX 's refund policy states that I must make XXXX calls, but I have never been granted access to their XXXX system, which prevents me from complying with this policy to obtain a refund or access the services. They explicitly stated in an email that I wouldn't be able to access the XXXX without making a payment, even though problems with payment demands began hours before finalizing the agreement. \nI have been harassed with repeated payment demands through emails, text messages, and phone calls, sometimes as early as XXXX AM, even before the due date for the alleged $ XXXX {$3800.00} payments. Affirm initially denied me credit, but a few hours later, XXXX XXXX texted me a link, and I was then inexplicably approved for credit from Affirm. \nI feel that XXXX XXXX and XXXX XXXX have been unfair and violated my rights under the Fair Credit Reporting Act. They have misrepresented the debt, provided inaccurate and inflated amounts owed, and failed to provide proof of my payment settlement or where I selected a XXXX payment plan ( as their email clearly states she chose it for me ). \nThey have repeatedly prevented me from disputing the debt by immediately closing disputes without requesting any information from my side. Furthermore, they have inaccurately reported my account as more than 60 days late on my credit report, despite the debt being actively and consistently in dispute since shortly after the purchase date. The harassment and aggressive collection tactics continued daily even while the dispute was ongoing. Given that XXXX XXXX admitted confusion and failed to assist, I believe I have strong grounds to challenge their claims. The pressure to pay began even before I finalized the agreement, and payment demands were made up to XXXX times a day, every day, before any payment was even due.","date_sent_to_company":"2025-07-15T21:22:42.000Z","issue":"Problem with additional add-on products or services","sub_product":"Personal line of credit","zip_code":"76134","tags":null,"has_narrative":true,"complaint_id":"14666015","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Affirm Holdings, Inc","date_received":"2025-07-15T20:29:13.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["After I initiated a dispute with Affirm, they seemingly contacted Asset Builders, who then reached out to me. Asset Builders admitted they had no clue how 'this mess up happened ' but still demanded I pay the {$2600.00}, and then hung up on me. During this conversation, Asset Builders inexplicably offered to refund me {$500.00} for a previous program I had purchased from XXXX XXXX, despite my current complaint being solely about the {$2600.00} loan."],"issue":["Problem with additional add-on products or services"]},"sort":[13.461481,"14666015"]},{"_index":"complaint-public-v1","_id":"13779205","_score":12.943885,"_source":{"product":"Credit card","complaint_what_happened":"Subject : Final Demand for Account Adjustment and Refund Violation of Federal and State Consumer Laws To Whom It May Concern, This serves as a formal escalation related to ongoing account and billing issues stemming from transactions made via ZIP Pay.\n\nZip Pay has acted not in good faith, refusing to resolve billing disputes. My requested resolution has been met with dismissiveness, resistance, and inconsideration. \n\nZip Pay responses misrepresents the facts and refuses to acknowledge the technological errors that created the problems. Furthermore, failure to address direct concerns, while continuing to send automated emails about freezing my account and reporting my account to collections, has only worsened the situation. \n\nFacts 1. Unauthorized Payment Caused by ZipPay System Error On XX/XX/year>, ZIPs platform processed a payment on an unintended card, after I attempted to update my payment method. Your system error led to this charge, and I contacted ZIP immediately to correct it. You acknowledged my attempt to update the payment method but refused to reverse the paymentdespite your internal failure being the cause.\n\n2. Inappropriate Threats and Harassment Since this issue began, ZIP has sent me automated warnings via that my account is frozen or at risk of going to collectionseven while your team was actively reviewing my complaint. This harassment, in light of your negligence, is not only unprofessional but legally questionable. \n\nI have been a loyal customer for several years and have never previously defaulted on any payments. The only reason I fell behind is because your team failed to update my account in a timely manner and refused to reverse the consequences of your mistakes. \n\nAfter further reflection and review of all communications, we have found ZipPay to be in Violation of Consumer Protection Laws.\n\nZip Pays conduct constitutes violations of several federal and state consumer protection laws : 1. Fair Credit Billing Act ( FCBA ) Under 15 U.S. Code 1666, consumerd have the right to dispute billing errors and withhold payment on defective services without penalty while the creditor investigates. failed to properly investigate and resolve billing disputes in a timely manner, continuing to issue charges for services I could not use. \nXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) ( u ) It is unlawful to fail to promptly correct billing errors and to cause confusion or mislead consumers about their financial obligations or rights.\n\nFTC Act Section 5 ZIPs refusal to resolve the issue, continued system errors, and lack of communication constitute deceptive and unfair practices likely to cause financial harm.\n\nDodd-Frank Act ( UDAAP ) Prohibits unfair, deceptive, or abusive acts. Your refusal to address billing errors, delays, and account restrictions falls under deceptive and abusive financial practices.\n\nElectronic Fund Transfer Act ( EFTA ) Charging a card without my consent, and failing to correct this issue after notification, violates my right to authorize electronic payments and dispute errors. \nMichigan XXXX XXXX XXXX ( XXXX ) Your misrepresentation, failure to deliver services, and unfair billing practices violate my rights under state law.","date_sent_to_company":"2025-05-29T23:27:49.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"48423","tags":null,"has_narrative":true,"complaint_id":"13779205","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Zip Co US Inc.","date_received":"2025-05-29T22:48:28.000Z","state":"MI","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Code 1666, consumerd have the right to dispute billing errors and withhold payment on defective services without penalty while the creditor investigates. failed to properly investigate and resolve billing disputes in a timely manner, continuing to issue charges for services I could not use. \nXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) ( u ) It is unlawful to fail to promptly correct billing errors and to cause confusion or mislead consumers about their financial obligations or rights."],"issue":["Problem with a purchase shown on your statement"],"sub_issue":["Credit card company isn't resolving a dispute about a purchase on your statement"]},"sort":[12.943885,"13779205"]},{"_index":"complaint-public-v1","_id":"10409184","_score":12.804351,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"Issue Details : I began my XXXX treatment approximately two years ago, paying for aligners through a payment plan facilitated by XXXX, which is managed by Healthcare Finance Direct. My treatment included a XXXX XXXX Guarantee for future retainers and adjustments, which are critical to maintaining my dental alignment. \n\nHowever, due to XXXX recent bankruptcy filing, they are no longer able to provide aftercare services, including rXXXX XXXX, as promised in the treatment plan. This has led to significant XXXX discomfort and XXXX misalignment. Despite the companys failure to fulfill their contractual obligations, Healthcare Finance Direct is continuing to charge me for the treatment without providing any refund, adjustment, or resolution. \n\nI have repeatedly contacted HFD, requesting a refund or cancellation of my remaining payments, given that the services outlined in my contract are no longer being provided. However, they have refused my request, citing the validity of my installment contract. They have also warned that failure to continue making payments will result in my account being sent to collections, negatively impacting my credit score. \n\nViolations : I believe this situation violates several consumer protection laws, including : Fair Credit Billing Act ( FCBA ) : I am being charged for services that are no longer being rendered, which falls under billing errors that should be disputed under the FCBA. \nFederal Trade Commission ( FTC ) Guidelines : The ongoing collection of payments for services XXXX can no longer provide is an unfair and deceptive practice. \nMagnuson-Moss Warranty Act : My XXXX XXXX Guarantee, which was a major selling point of the treatment, is now void due to XXXX inability to honor the warranty. \nRequest for Assistance : I am seeking the CFPBs assistance in investigating this matter and holding both XXXX and Healthcare Finance Direct accountable for failing to honor the terms of my contract. \n\nDates of correspondence : Request for refund - sent on XX/XX/year>. \nResponse from HFD - received on XX/XX/year>. No information on the requested refund was provided by HFD. They just prompted me to continue payments and mentioned that I will be sent to collectors if I stopped paying. \nRequest to provide a formal explanation as to why my refund request has not been processed or acknowledged- sent on XX/XX/year> XXXX from HFD - received on XX/XX/year>. HFD did not address my request for a refund. They simply repeated the previous message. \nThe second request to provide a formal explanation and escalate of refund request due to unfulfilled services- sent on XX/XX/year> XXXX from HFD - received on XX/XX/XXXX. Again no information about a refund that they are obligated to process. I only received a generic responce that the XXXX XXXX XXXX is no longer available ( which I already know and which is the reason I request a refund ). \n\nI am willing to share copies of my correspondence with Healthcare Finance Direct for your reference if needed. In every email, HFD inserted their \" disclaimer '' which says : \" This communication, along with any documents, files or attachments, is intended only for the use of the addressee and contains privileged and confidential information. If you are not the intended recipient, you are hereby notified that any dissemination, distribution or copying of any information contained in or attached to this communication is strictly prohibited. '' I am afraid to do something wrong but at the same time, I want to protect my consumer rights. Please help me to resolve this problem and protect my rights. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-10-17T17:03:27.000Z","issue":"Problem with additional add-on products or services","sub_product":"Installment loan","zip_code":"90017","tags":null,"has_narrative":true,"complaint_id":"10409184","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Healthcare Finance Direct LLC.","date_received":"2024-10-10T23:35:17.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Please help me to resolve this problem and protect my rights. \n\nSincerely, XXXX XXXX"],"issue":["Problem with additional add-on products or services"]},"sort":[12.804351,"10409184"]},{"_index":"complaint-public-v1","_id":"2567175","_score":12.770092,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Consumer Financial Protection Bureau ( CFPB ) began accepting consumer complaints about credit reporting, giving consumers individual-level complaint assistance for the first time at the federal level. Credit reporting companies exert great influence over the lives of consumers. They help determine eligibility for loans, housing, and sometimes jobs, said CFPB XXXX XXXX XXXX. Consumers need an avenue of recourse when they feel they have been wronged. Consumer reporting agencies, which include what are popularly called credit bureaus or credit reporting companies, are private businesses that track a consumers credit history and other consumer transactions. The credit reports they generate and the three-digit credit scores that are based on those reports play an increasingly important role in the lives of American consumers. The largest credit reporting companies issue more than 3 billion consumer reports a year and maintain files on more than 200 million Americans. The consequences of errors in a consumer report can be catastrophic for a consumer, shutting him or her out of credit markets, jeopardizing employment prospects, or significantly increasing the cost of housing. Although a small number of large businesses dominate the credit reporting market, there are many consumer reporting agencies in the United States. The market includes : the three largest credit reporting companies that sell comprehensive consumer reports ; consumer report resellers that repackage information they buy from the largest companies ; and specialty consumer reporting companies that primarily collect and provide specific types of information like on payday loans or checking accounts. For consumers who believe that there is incorrect information on their credit reports or who have an issue with an investigation, before filing with the CFPB, they should first file a dispute and get a response from the consumer reporting agency itself. There are important consumer rights guaranteed by federal consumer financial law that may be best preserved by first going through the credit reporting companys complaint process. Once that process is complete, if the consumer is dissatisfied with the resolution or if the consumer reporting agency does not respond, the CFPB is available to assist. A consumer can come to the CFPB if he or she, for example, has issues with : Incorrect information on a credit report ; A consumer reporting agencys investigation ; The improper use of a credit report by Experian and request being unable to get a copy of a credit score or file. Previously, I had problems with credit monitoring or identify protection services. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Please be advised my first name is incorrect with Experian and should be corrected. I understand the CFPB began taking credit card complaints when it launched on XX/XX/XXXX. Since then, it has expanded to take complaints on mortgages, bank accounts and services, consumer loans, and private student loans. Please be advised I reported all of the above issues, I requested to lift a freeze on XX/XX/XXXX, from my credit reports and requested tracking information after submitting a complaint with the Membership Department and Dispute Department. Also, I requested the remove freeze on line by several Consumer Services Representatives by logging on to the website. Additionally, I was requested to fax the information. After faxing the information I contact Experian to verify receipt. It took approximately 4 hours and I will like to filed a complaint regarding the process. I expected the consumer reporting agencies to respond to request in a timely manner. I was informed by several representative it would take 24 hours, 48 hours, 1 hour and a fee of {$8.00} for consumer residing in Louisiana. Also, I was informed he would take 5 minutes to receive my id pen number after completing the process over the internet. After the process on the website was inoperable I was inform it would take 10 t to 15 days with the steps they have taken or plan to take. Consumers should have the option to dispute the companys response to the uniform pratices. For additional information please contact me at XXXX to verify the documents fax from XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX Date XXXX/XXXX/XXXX XXXX XXXX Version XXXX Store XXXX XXXX XXXX Transaction # XXXX Employee XXXX SALE","date_sent_to_company":"2017-07-07T07:30:47.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"70058","tags":null,"has_narrative":true,"complaint_id":"2567175","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-07-07T02:41:19.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["A consumer can come to the CFPB if he or she, for example, has issues with : Incorrect information on a credit report ; A consumer reporting agencys investigation ; The improper use of a credit report by Experian and request being unable to get a copy of a credit score or file. Previously, I had problems with credit monitoring or identify protection services."],"issue":["Problem with fraud alerts or security freezes"]},"sort":[12.770092,"2567175"]},{"_index":"complaint-public-v1","_id":"4117304","_score":11.3802805,"_source":{"product":"Debt collection","complaint_what_happened":"Customer Information : XXXX XXXX Daytime Phone : XXXX E-mail : XXXX The details of this matter are as follows : Complaint Involves : Service Issues Customers Statement of the Problem : I was a loyal customer with XXXX XXXX since XXXX and in XXXX XXXX my service stopped working in my home coverage area. I purchased XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) spot device and Leased a XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX ). I already previously had a XXXX XXXX XXXX phone in XXXX that had coverage issues in my home service area. I had hoped the new devices would receive service at home. The devices would not connect at home 80 % of the time or have several dropped calls, missed and delayed voicemails and no data connectivity. In XXXX XXXX XX/XX/XXXX, XX/XX/XXXX I called XXXX to cancel my account with XXXX as my devices were not working.Technical services department to troubleshoot the issue and took the devices into the sprint store. XXXX store found no issues with the devices and suggested ending the account if have no service at home. Technical services indicated they would notate my account their findings and informed me to Cancel my account with their Retention department and explain that may have a dead zones in my home.XXXX indicated I would not be held responsible for additional charges when terminating my account. XXXX continued to keep my account open and sent me a XXXX XXXX XXXX XXXX in an attempt to prevent me from terminating my services. Neither equipment resolved my issues and I continued to pay and request to terminate my services in XXXX I spoke with a supervisor in Financial services my account terminated and assured me that I would not be responsible for any termination charges due to my service issues. I returned all of XXXX Equipment and established services with XXXX. In XX/XX/XXXX XXXX began to attempts to unlawfully bill my credit card accounts for random amounts that I did not authorize. I am disputing the Amount due of XXXX XXXX is seeking. \n\nComplaint Background : Product/Service : Unlimited Freedom Plan and Mobile Broadband Plan Purchase Date : XX/XX/XXXX Problem Occurred : XX/XX/XXXX Model : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Talked to Company : XX/XX/XXXX Name of Salesperson : XXXX XXXX Price : {$810.00} Disputed Amount : {$1200.00} Desired Settlement : I would like a Supervisor to contact me to resolve this issue and XXXX out the account balance with XXXX. I want sprint to explain why I continued to be charged for an account with no service in my home service area? I want sprint to end all Collections on this account. I want the unauthorized attempts to charge my credit card for various amounts to be investigated. \n2. Amount of credit/refund requested, if any : XXXX I terminated my XXXX services due to unresolved network connectivity issues and disputed XXXX attempts to withdraw funds from his bank account to satisfy the disputed final XXXX account balance. I requested that XXXX remove those disputed charges and cease all further collection activity. \n\nMy decision to terminate services, were based on an 18-month equipment lease agreement when he activated one of his new devices on XX/XX/XXXX, and that he accepted a 24-month installment billing purchase agreement on XX/XX/XXXX, when he activated a new device for another line of service on his account. None of those devices worked at my physical address where I live. I explained this to XXXX Technical Services, Retention and Executive Services. XXXX Technical services advised me to terminate my services as they were not able to resolve the Dead zones in my house with XXXX Service. Because I terminated XXXX services on XX/XX/XXXX, prior to the satisfaction of thE agreements, XXXX accelerated the unpaid pay-off balances of his purchase agreements and added charges plus applicable lease early cancellation and Device Purchase Option charges associated with his device lease to his closed XXXX account, pursuant to the terms of those agreements. As a result, my account was closed with a balance due of {$1300.00}. \n\nI returned all equipment and was made false promises to purchase equipment that does not work at my home. I was a 14 year loyal XXXX XXXX customer. \n\nI want a XXXX balance for this account and any negative information removed from my Credit reports. \n\nXXXX sent a letter stating they attempted to contact me and they did not. I contacted sprint today to inquire where they are with this issue and they told me the person handling the account no longer works for XXXX XXXX. and he left no notes on the account. XXXX in XXXX Executive Services told me this information today after wasting 1 hour on the phone with her in dept Executive & Regulatory Services department at XXXX, ext. XXXX.","date_sent_to_company":"2021-02-04T21:00:12.000Z","issue":"False statements or representation","sub_product":"Other debt","zip_code":"76244","tags":"Servicemember","has_narrative":true,"complaint_id":"4117304","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Diversified Adjustment Service, Inc.","date_received":"2021-02-04T20:32:13.000Z","state":"TX","company_public_response":"Company can't verify or dispute the facts in the complaint","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["In XX/XX/XXXX XXXX began to attempts to unlawfully bill my credit card accounts for random amounts that I did not authorize. I am disputing the Amount due of XXXX XXXX is seeking."],"company_public_response":["Company can't verify or dispute the facts in the complaint"]},"sort":[11.3802805,"4117304"]},{"_index":"complaint-public-v1","_id":"4301545","_score":10.125373,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Dear Sir/Maam : I am submitting a complaint with your department as a last resort. I have tried to work with XXXX, Credito Real Finance USA FKA AFS Acceptance LLC and XXXX for over a year to try to fix errors on my reports with minimal success. During the last year I have been forced to pay higher interest rates, higher insurance rates, been denied for credit cards and could not apply for a mortgage that I would have otherwise qualified to secure. They have ignored my request to provide me with the documents that their company has on file that was used to verify information on my account with Credito Real Finance USA FKA AFS Acceptance LLC Account #. They failed to provide me with payment status, dates and a contact person at Credito Real Finance USA FKA AFS Acceptance LLC. Both bureaus are reporting this account differently and we all know that's not possible. It has been over 30 days since I have requested a letter of verification from XXXX and still have not received the information, I requested on XX/XX/XXXX. By not verifying the information as accurate and providing a method of verification that I requested, under Section 611 ( 5 ) ( A ) ( i ) of the FCRA they are required to promptly delete that item of information from the file of the consumer. I have disputed the inaccurate and unverified information listed on this account multiple times with XXXX and XXXX with no success. Please help resolve this problem as soon as possible.\n\nUpon investigating my three credit reports, I was saddened to see that there were numerous errors on all three of my reports. I decided to file disputes with all three credit bureaus using what I thought was the right way of disputing errors on a credit file. I submitted numerous disputes online with all coming back as Verified as Reported and some with more incriminating updates added to my files. I have learned through trial and error that when you dispute inaccurate information on a credit file online you give up certain rights. You do not have important dates documented and most importantly you lose the right of the credit reporting agency having to show the method of verification. Shame on me, for not completely understanding the process and thinking the credit reporting agencies really care if the information is accurate, they just want to push the disputes/verifications through as quickly as possible. Disputes # 1 - XX/XX/XXXX, Dispute # 2 - XX/XX/XXXX and Dispute # 3 - XX/XX/XXXX were conducted online so if further verification is needed, I am sure XXXX can fill in the details. \n\nXX/XX/XXXX I Called Credito Real USA Finance FKA AFS Acceptance LLC at XXXX XXXX ) XXXX as instructed to do on my results dated XX/XX/XXXX ( Exhibit I ) and disputed the same account on XXXX credit report online. I called Credito in XX/XX/XXXX and talked to a person named XXXX to inquire about the charge off, the late payments and the delinquency date listed on my XXXX and XXXX credit reports. I also asked about title to my XXXX XXXX XXXX that was now paid off through my repayment plan. I tried to explain that the information they were providing to XXXX and XXXX was incorrect and they should remove the inaccurate information. I was transferred to the collection department and the operator told me the payments were late and they were not taking them off my credit reports. The operator told me to dispute these inaccuracies with the credit bureaus. I asked about the title to my car and I was told that it was sent to XXXX XXXX XXXX and that they did not have the title to my car anymore. \n\nDispute # 4 sent certified letter XX/XX/XXXX and I received the results dated XX/XX/XXXX. \" Verified as reported correctly ''. \n\nDispute # 5 sent certified letter Requesting Methods of Verification based off the result from Dispute # 4. Sent letter XX/XX/XXXX signed for on XX/XX/XXXX. I sent another letter to XXXX, Certified Mail Return receipt on XX/XX/XXXX ( Exhibit N ), I included a copy of the letter I sent dated 1/23/21 and all supporting documentation I previously sent to them. I requested a Method of Verification Letter for my dispute of the inaccurate information Credito Real Finance USA FKA AFS Acceptance LLC has been listing on my credit files. I am absolutely, certain that Credito Real Finance USA FKA AFS Acceptance LLC Account #, I disputed, is incorrect and should be immediately removed from my XXXX and XXXX credit files. I exercised my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. I asked for a complete list of all documents and correspondences with Credito Real Finance USA FKA AFS Acceptance LLC used to verify Account #. I asked for a list of all names and contact information of employees spoken with at Credito Real Finance USA FKA AFS Acceptance LLC as part of this investigation. I explained to XXXX that I am asking for this verification because my credit score is important to me and I believe it is being unjustly degraded as a result of this account being reported incorrectly on my credit files. I requested that they not send me a template letter in response to my request for the methods used to verify this account. I explained that I expected to receive a response within 15 days of receipt of the letter, as stated in Section 611 ( a ) ( 7 ) or I expected Credito Real Finance USA FKA AFS Acceptance LLC Account # to be permanently expunged from my record. \n\nXXXX signed for the Certified Mail Return receipt letter I sent requesting Method of verification on XXXX. \n\n15 days -- -- -- -- -- -- XXXX -- -- -- -- -- -- -- -No response Results dated -- - XX/XX/XXXX -- -- -- -- -- -- No method of Verification attached 30 days -- -- -- -- -- -- XXXX -- -- -- -- -- -- -- -No response XXXX Results Dated XX/XX/XXXX Received XX/XX/XXXX XXXX Confirmation # XXXX ( Exhibit O and P ). \nThe result came back as We have verified that the item has been reported correctly. Nothing changed compared to the results fromXXXX except the address of AFS Acceptance LLC changed to XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX FL XXXX. The reason that I have included this is because I sent out another letter to Credito Real Finance USA FKA AFS Acceptance LLC at XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX, the Address that was listed on my results dated XX/XX/XXXX ( Exhibit L ). The letter was returned back to me with wrong Address written on the envelop and a sticker from the US Postal Service stating, Return to Sender, No such Number, Unable to Forward ( Exhibit Q ). The FCRA Section 623 prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. Credito Real Finance USA FKA AFS Acceptance LLC was knowingly furnishing inaccurate information since at least XX/XX/XXXX ( Exhibit H ). \n\nI am submitting a complaint with your department as a last resort. I have tried to work with XXXX, Credito Real Finance USA FKA AFS Acceptance LLC and XXXX for over a year to try to fix errors on my reports with nearly no success. Please help me resolve this issue. I have been disputing Credito Real Finance USA FKA AFS Acceptance LLC Account # online, on the phone and by certified mail for over a year now. Both XXXX and Credito Real Finance USA FKA AFS Acceptance LLC have been violating the Fair Credit Reporting Act ( FCRA ) Sections 611 and 623 on numerous occasions throughout the past year.\n\nI have had to endure re-aging of my account by both XXXX and Credito Real Finance USA FKA AFS Acceptance LLC. The actual date of delinquency should be listed as XX/XX/XXXX which would make this account over 7 years old and should have been removed from my credit reports in XXXX, when I began disputing this account. I have had to endure a charge off appearing on my reports years after the account was being paid as outlined in my Wage Earners Payment plan. I have had to endure blatant disregard for the laws outlined in the FCRA and enforced by the CFPB. I have had to endure the embarrassment associated with being denied credit, ( credit cards, auto loans, personal loans, and even a mortgage ). I have had to endure higher interest rates, higher insurance rates and higher health insurance premiums. I have had to endure spending money on Certified letters only to have them returned to me because incorrect addresses are being reported on my credit reports. I have had to endure losing over {$55000.00} dollar in equity by not being able to secure financing for a house selling well below market value at XXXX. I must endure renewing my lease, that expires in XX/XX/XXXX, for another year, at a {$300.00} per month increase each month ( 25 % increase during our current Pandemic ). I must endure the sleepless nights, that have become a problem for me, since I have received the photo copied results without the Methods of Verification. I must endure the look in my daughters eye when I tell her that I can not help her with her homework because I must do the job of the CRAs and Furnishers of information to CRAs because they consciously violate the laws governing the Fair Credit Reporting Act.\n\nPLEASE help me get this derogatory, costly and very damaging account permanently removed from my XXXX and XXXX credit files.\n\nThank You P.S. I have been experiencing almost the same responses when I disputed this account through XXXX","date_sent_to_company":"2021-04-16T05:39:43.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60563","tags":null,"has_narrative":true,"complaint_id":"4301545","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bepensa Capital, Inc.","date_received":"2021-04-16T01:39:40.000Z","state":"IL","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["I have disputed the inaccurate and unverified information listed on this account multiple times with XXXX and XXXX with no success. Please help resolve this problem as soon as possible.\n\nUpon investigating my three credit reports, I was saddened to see that there were numerous errors on all three of my reports. I decided to file disputes with all three credit bureaus using what I thought was the right way of disputing errors on a credit file."],"issue":["Problem with a credit reporting company's investigation into an existing problem"],"sub_issue":["Was not notified of investigation status or results"]},"sort":[10.125373,"4301545"]},{"_index":"complaint-public-v1","_id":"3751345","_score":9.299113,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I was granted XXXX XXXX XXXXXXXX in XX/XX/XXXX, and began the process of applying for forgiveness of my FFEL consolidated student loans in XX/XX/XXXX. XXXX, the company that held the loan ( worth about {$28000.00}, consolidated from two loans ), informed me that my application for a XXXXXXXX XXXX XXXX XXXX Discharge had been approved in a letter dated XX/XX/XXXX, and that no further payments or action on my part were necessary. The letter specifies details regarding Tax Implications when one 's loans are discharged, but says NOTHING about any sort of concern being warranted for one 's credit report, i.e. there is no warning that one 's status may be affected. \n\nSeveral months later, my wife and I applied for a home refinance-construction loan. We began the process in XX/XX/XXXX, and quarantines notwithstanding, the process proceeded smoothly through our first credit score checks, which arrived in mid-XXXX XXXX ; my scores were all in the low 800s. \n\nToward the end of XXXX, however, as the date of our closing approached, we were contacted by the bank 's mortgage officer, asking if we could provide the underwriter with more information since I was reported as being delinquent on my student loans, and my credit score was significantly lower than before ( more than 150points ). \n\nWe spend hours on the telephone with various parties from XXXX during the week of XX/XX/XXXX. Their practices seem to be designed to wear down concerned customers, as the branch dealing with TPD claims is somehow not connected to the \" Solutions '' branch that deals with credit reporting, and frequent transfers between uninformed agents necessitate repeated explanations of problems. \n\nWe were repeatedly told that -- and, if this is true, it represents an INCREDIBLY poorly designed process -- as loan forgiveness is being processed, the de-activated loans are 're-activated, ' and thus appear as delinquent/unpaid on a person 's credit report until the process is completed, which must happen within a 120-day period. In other words, WITH NO KNOWLEDGE to the veteran, who in face is notified in writing that no further payment is necessary, they are reported as delinquent on their loan, and will be for at least 4 months.. This is especially unjust, as the veteran neither has knowledge about it and thus can not do anything to prevent or remedy the situation. \n\nSeveral XXXX representatives told us that since the 120-day period had not concluded, there was nothing that I could do but wait for the loan forgiveness process to conclude and then, once the loan was no longer \" delinquent '', wait for our credit scores to improve. Because this sounded ridiculous, which it is, I repeatedly asked to speak to persons in different branches and to supervisors of those persons, and were promised on Thursday the XXXX that I would receive a call back from one supervisor Friday the XXXX. Unsurprisingly, though, we did not receive a call from XXXX that day, and my attempt to call back the person whom I had spoken with the previous day was unsuccessful that day as well. \n\nI spoke with a \" Senior Resolution Specialist, '' XXXX XXXX, on Monday XXXX. XXXX, XXXX, after being on the phone for nearly three hours. This individual did offer to join a three-way call with the underwriter from my bank, which I arranged using my own phone. During this call, XXXX XXXX XXXX to the underwriter that ( XXXX XXXX XXXX 's report of my delinquent payment had been in error, ( 2 ) that my loans were paid in full, and ( 3 ) that it usually takes 120 days for a lender to approve a loan discharge. XXXX XXXX told both that underwriter and me that he would investigate how to have the lender 's report to credit reporting agencies adjusted, and would be back in touch. Again, unsirprisingly, I have not been able to reach XXXX XXXX since. \n\nWe were able to close on our home loan successfully on XX/XX/XXXX, thankfully, but in making inquiries regarding contingency plans for extending part of the loan ( e.g. in the case that expenses for repairs to a damaged foundation and heating system exceeded our contractor 's estimates ), were told again by our bank that my credit score was lower than what is considered adequate for further assistance -- in other words, that my credit score had not been adjusted. We also received a letter from XXXX dated XX/XX/XXXX, that next week, stating : \" Thank you for your recent credit reporting inquiry. After careful review of your account we have determined that the student loan ( s ) referenced in your request requires no adjustment because All credit reporting is valid and accurate. \n\nUnder the Fair Credit Reporting Act ( FCRA ), data providers are not required to investigate certain disputes received directly from consumers. [ ... gives examples ]. '' We have continued to contact XXXX to dispute their abjuring the responsibility to clarify that I have not been delinquent on a payment, but subsequent conversations ( most recently yesterday, XX/XX/XXXX, and today, XX/XX/XXXX ) have yielded the same answer -- they will take no action. \n\nHow can this be possible, when the credit reporting regarding the individual -- me -- is INACCURATE? Who designed a system that throws veterans into financial delinquency for at least a third of a year, with great possibilities that damage to credit scores can take MUCH longer to repair, and that they may not be able to access funds for their or their families needs, while their student loans are being \" processed ''? Why are loan servicers not obliged to clarify that they are receiving TAXPAYER MONEY for every cent of those veterans ' loans, and to use some of those funds to make sure the persons whose physical and/or mental health has been damaged by service to their country isn't worsened by financial crisis and anxiety? This clearly is hurting multiple other veterans, as I have found while researching how and to whom I could make further complaints. \n\nI am sending this complaint not only in the hopes for some resolution for myself, but for the many other veterans who, despite the existence of the XXXXXXXX XXXX XXXXXXXX XXXX loan forgiveness program, are STILL being financially damaged as they try to extricate themselves from their debts. It isn't much to ask, to have XXXX and other loan servicers explain to XXXX, Experian, and XXXX, that veterans like myself have not been delinquent on payments since we were notified, in writing, that our loans were forgiven.","date_sent_to_company":"2020-07-17T23:35:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"134XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3751345","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-07-17T23:35:21.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Under the Fair Credit Reporting Act ( FCRA ), data providers are not required to investigate certain disputes received directly from consumers. [ ... gives examples ]. '' We have continued to contact XXXX to dispute their abjuring the responsibility to clarify that I have not been delinquent on a payment, but subsequent conversations ( most recently yesterday, XX/XX/XXXX, and today, XX/XX/XXXX ) have yielded the same answer -- they will take no action."]},"sort":[9.299113,"3751345"]},{"_index":"complaint-public-v1","_id":"3751340","_score":9.273889,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I was granted XXXX XXXX XXXXXXXX in XX/XX/XXXX, and began the process of applying for forgiveness of my FFEL consolidated student loans in XX/XX/XXXX. Nelnet, the company that held the loan ( worth about {$28000.00}, consolidated from two loans ), informed me that my application for a XXXX XXXX XXXX XXXX Discharge had been approved in a letter dated XX/XX/XXXX, and that no further payments or action on my part were necessary. The letter specifies details regarding Tax Implications when one 's loans are discharged, but says NOTHING about any sort of concern being warranted for one 's credit report, i.e. there is no warning that one 's status may be affected. \n\nSeveral months later, my wife and I applied for a home refinance-construction loan. We began the process in XX/XX/XXXX, and quarantines notwithstanding, the process proceeded smoothly through our first credit score checks, which arrived in mid-XXXX XXXX ; my scores were all in the low 800s. \n\nToward the end of XXXX, however, as the date of our closing approached, we were contacted by the bank 's mortgage officer, asking if we could provide the underwriter with more information since I was reported as being delinquent on my student loans, and my credit score was significantly lower than before ( more than 150points ). \n\nWe spend hours on the telephone with various parties from Nelnet during the week ofXX/XX/XXXX, XXXX. Their practices seem to be designed to wear down concerned customers, as the branch dealing with XXXX claims is somehow not connected to the \" Solutions '' branch that deals with credit reporting, and frequent transfers between uninformed agents necessitate repeated explanations of problems. \n\nWe were repeatedly told that -- and, if this is true, it represents an INCREDIBLY poorly designed process -- as loan forgiveness is being processed, the de-activated loans are 're-activated, ' and thus appear as delinquent/unpaid on a person 's credit report until the process is completed, which must happen within a 120-day period. In other words, WITH NO KNOWLEDGE to the veteran, who in face is notified in writing that no further payment is necessary, they are reported as delinquent on their loan, and will be for at least 4 months.. This is especially unjust, as the veteran neither has knowledge about it and thus can not do anything to prevent or remedy the situation. \n\nSeveral Nelnet representatives told us that since the 120-day period had not concluded, there was nothing that I could do but wait for the loan forgiveness process to conclude and then, once the loan was no longer \" delinquent '', wait for our credit scores to improve. Because this sounded ridiculous, which it is, I repeatedly asked to speak to persons in different branches and to supervisors of those persons, and were promised on Thursday the XXXX that I would receive a call back from one supervisor Friday the XXXX. Unsurprisingly, though, we did not receive a call from Nelnet that day, and my attempt to call back the person whom I had spoken with the previous day was unsuccessful that day as well. \n\nI spoke with a \" Senior Resolution Specialist, '' XXXX XXXX, on Monday XXXX. XXXX, XXXX, after being on the phone for nearly three hours. This individual did offer to join a three-way call with the underwriter from my bank, which I arranged using my own phone. During this call, XXXX XXXX verified to the underwriter that ( 1 ) Nelnet 's report of my delinquent payment had been in error, ( 2 ) that my loans were paid in full, and ( 3 ) that it usually takes 120 days for a lender to approve a loan discharge. XXXX XXXX told both that underwriter and me that he would investigate how to have the lender 's report to credit reporting agencies adjusted, and would be back in touch. Again, unsirprisingly, I have not been able to reach XXXX XXXX since. \n\nWe were able to close on our home loan successfully on XX/XX/XXXX, thankfully, but in making inquiries regarding contingency plans for extending part of the loan ( e.g. in the case that expenses for repairs to a damaged foundation and heating system exceeded our contractor 's estimates ), were told again by our bank that my credit score was lower than what is considered adequate for further assistance -- in other words, that my credit score had not been adjusted. We also received a letter from Nelnet dated XX/XX/XXXX, that next week, stating : \" Thank you for your recent credit reporting inquiry. After careful review of your account we have determined that the student loan ( s ) referenced in your request requires no adjustment because All credit reporting is valid and accurate. \n\nUnder the Fair Credit Reporting Act ( FCRA ), data providers are not required to investigate certain disputes received directly from consumers. [ ... gives examples ]. '' We have continued to contact Nelnet to dispute their abjuring the responsibility to clarify that I have not been delinquent on a payment, but subsequent conversations ( most recently yesterday, XX/XX/XXXX, and today, XX/XX/XXXX ) have yielded the same answer -- they will take no action. \n\nHow can this be possible, when the credit reporting regarding the individual -- me -- is INACCURATE? Who designed a system that throws veterans into financial delinquency for at least a third of a year, with great possibilities that damage to credit scores can take MUCH longer to repair, and that they may not be able to access funds for their or their families needs, while their student loans are being \" processed ''? Why are loan servicers not obliged to clarify that they are receiving TAXPAYER MONEY for every cent of those veterans ' loans, and to use some of those funds to make sure the persons whose physical and/or mental health has been damaged by service to their country isn't worsened by financial crisis and anxiety? This clearly is hurting multiple other veterans, as I have found while researching how and to whom I could make further complaints. \n\nI am sending this complaint not only in the hopes for some resolution for myself, but for the many other veterans who, despite the existence of the XXXX XXXX XXXX XXXX loan forgiveness program, are STILL being financially damaged as they try to extricate themselves from their debts. It isn't much to ask, to have Nelnet and other loan servicers explain to XXXX, XXXX, and XXXX, that veterans like myself have not been delinquent on payments since we were notified, in writing, that our loans were forgiven.","date_sent_to_company":"2020-07-17T23:35:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"134XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3751340","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2020-07-17T23:22:10.000Z","state":"NY","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Under the Fair Credit Reporting Act ( FCRA ), data providers are not required to investigate certain disputes received directly from consumers. [ ... gives examples ]. '' We have continued to contact Nelnet to dispute their abjuring the responsibility to clarify that I have not been delinquent on a payment, but subsequent conversations ( most recently yesterday, XX/XX/XXXX, and today, XX/XX/XXXX ) have yielded the same answer -- they will take no action."]},"sort":[9.273889,"3751340"]},{"_index":"complaint-public-v1","_id":"3751344","_score":9.264168,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I was granted XXXX XXXX XXXXXXXX in XX/XX/XXXX, and began the process of applying for forgiveness of my FFEL consolidated student loans in XX/XX/XXXX. XXXX, the company that held the loan ( worth about {$28000.00}, consolidated from two loans ), informed me that my application for a XXXX XXXX XXXX XXXX Discharge had been approved in a letter dated XX/XX/XXXX, and that no further payments or action on my part were necessary. The letter specifies details regarding Tax Implications when one 's loans are discharged, but says NOTHING about any sort of concern being warranted for one 's credit report, i.e. there is no warning that one 's status may be affected. \n\nSeveral months later, my wife and I applied for a home refinance-construction loan. We began the process in XX/XX/XXXX, and quarantines notwithstanding, the process proceeded smoothly through our first credit score checks, which arrived in mid-XXXX XXXX ; my scores were all in the low 800s. \n\nToward the end of XXXX, however, as the date of our closing approached, we were contacted by the bank 's mortgage officer, asking if we could provide the underwriter with more information since I was reported as being delinquent on my student loans, and my credit score was significantly lower than before ( more than 150points ). \n\nWe spend hours on the telephone with various parties from XXXX during the week of XX/XX/XXXX. Their practices seem to be designed to wear down concerned customers, as the branch dealing with XXXX claims is somehow not connected to the \" Solutions '' branch that deals with credit reporting, and frequent transfers between uninformed agents necessitate repeated explanations of problems. \n\nWe were repeatedly told that -- and, if this is true, it represents an INCREDIBLY poorly designed process -- as loan forgiveness is being processed, the de-activated loans are 're-activated, ' and thus appear as delinquent/unpaid on a person 's credit report until the process is completed, which must happen within a 120-day period. In other words, WITH NO KNOWLEDGE to the veteran, who in face is notified in writing that no further payment is necessary, they are reported as delinquent on their loan, and will be for at least 4 months.. This is especially unjust, as the veteran neither has knowledge about it and thus can not do anything to prevent or remedy the situation. \n\nSeveral XXXX representatives told us that since the 120-day period had not concluded, there was nothing that I could do but wait for the loan forgiveness process to conclude and then, once the loan was no longer \" delinquent '', wait for our credit scores to improve. Because this sounded ridiculous, which it is, I repeatedly asked to speak to persons in different branches and to supervisors of those persons, and were promised on Thursday the XXXX that I would receive a call back from one supervisor Friday the XXXX. Unsurprisingly, though, we did not receive a call from XXXX that day, and my attempt to call back the person whom I had spoken with the previous day was unsuccessful that day as well. \n\nI spoke with a \" Senior Resolution Specialist, '' XXXX XXXX, on Monday XXXX. XXXX, XXXX, after being on the phone for nearly three hours. This individual did offer to join a three-way call with the underwriter from my bank, which I arranged using my own phone. During this call, XXXX XXXX verified to the underwriter that ( 1 ) XXXX 's report of my delinquent payment had been in error, ( 2 ) that my loans were paid in full, and ( 3 ) that it usually takes 120 days for a lender to approve a loan discharge. XXXX XXXX told both that underwriter and me that he would investigate how to have the lender 's report to credit reporting agencies adjusted, and would be back in touch. Again, unsirprisingly, I have not been able to reach XXXX XXXX since. \n\nWe were able to close on our home loan successfully on XX/XX/XXXX, thankfully, but in making inquiries regarding contingency plans for extending part of the loan ( e.g. in the case that expenses for repairs to a damaged foundation and heating system exceeded our contractor 's estimates ), were told again by our bank that my credit score was lower than what is considered adequate for further assistance -- in other words, that my credit score had not been adjusted. We also received a letter from XXXX dated XX/XX/XXXX, that next week, stating : \" Thank you for your recent credit reporting inquiry. After careful review of your account we have determined that the student loan ( s ) referenced in your request requires no adjustment because All credit reporting is valid and accurate. \n\nUnder the Fair Credit Reporting Act ( FCRA ), data providers are not required to investigate certain disputes received directly from consumers. [ ... gives examples ]. '' We have continued to contact XXXX to dispute their abjuring the responsibility to clarify that I have not been delinquent on a payment, but subsequent conversations ( most recently yesterday, XX/XX/XXXX, and today, XX/XX/XXXX ) have yielded the same answer -- they will take no action. \n\nHow can this be possible, when the credit reporting regarding the individual -- me -- is INACCURATE? Who designed a system that throws veterans into financial delinquency for at least a third of a year, with great possibilities that damage to credit scores can take MUCH longer to repair, and that they may not be able to access funds for their or their families needs, while their student loans are being \" processed ''? Why are loan servicers not obliged to clarify that they are receiving TAXPAYER MONEY for every cent of those veterans ' loans, and to use some of those funds to make sure the persons whose physical and/or mental health has been damaged by service to their country isn't worsened by financial crisis and anxiety? This clearly is hurting multiple other veterans, as I have found while researching how and to whom I could make further complaints. \n\nI am sending this complaint not only in the hopes for some resolution for myself, but for the many other veterans who, despite the existence of the XXXXXXXX XXXX XXXXXXXX XXXX loan forgiveness program, are STILL being financially damaged as they try to extricate themselves from their debts. It isn't much to ask, to have XXXX and other loan servicers explain to Equifax, XXXX, and XXXX, that veterans like myself have not been delinquent on payments since we were notified, in writing, that our loans were forgiven.","date_sent_to_company":"2020-07-17T23:35:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"134XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3751344","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-07-17T23:35:21.000Z","state":"NY","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Under the Fair Credit Reporting Act ( FCRA ), data providers are not required to investigate certain disputes received directly from consumers. [ ... gives examples ]. '' We have continued to contact XXXX to dispute their abjuring the responsibility to clarify that I have not been delinquent on a payment, but subsequent conversations ( most recently yesterday, XX/XX/XXXX, and today, XX/XX/XXXX ) have yielded the same answer -- they will take no action."]},"sort":[9.264168,"3751344"]},{"_index":"complaint-public-v1","_id":"3751341","_score":9.264168,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I was granted XXXX XXXX XXXXXXXX in XX/XX/XXXX, and began the process of applying for forgiveness of my FFEL consolidated student loans in XX/XX/XXXX. XXXX, the company that held the loan ( worth about {$28000.00}, consolidated from XXXX loans XXXX, informed me that my application for a XXXXXXXX XXXX XXXX XXXX Discharge had been approved in a letter dated XX/XX/XXXX, and that no further payments or action on my part were necessary. The letter specifies details regarding Tax Implications when one 's loans are discharged, but says NOTHING about any sort of concern being warranted for one 's credit report, i.e. there is no warning that one 's status may be affected. \n\nSeveral months later, my wife and I applied for a home refinance-construction loan. We began the process in XX/XX/XXXX, and quarantines notwithstanding, the process proceeded smoothly through our first credit score checks, which arrived in mid-XXXX XXXX ; my scores were all in the low 800s. \n\nToward the end of XXXX, however, as the date of our closing approached, we were contacted by the bank 's mortgage officer, asking if we could provide the underwriter with more information since I was reported as being delinquent on my student loans, and my credit score was significantly lower than before ( more than 150points ). \n\nWe spend hours on the telephone with various parties from XXXX during the week of XX/XX/XXXX. Their practices seem to be designed to wear down concerned customers, as the branch dealing with TPD claims is somehow not connected to the \" Solutions '' branch that deals with credit reporting, and frequent transfers between uninformed agents necessitate repeated explanations of problems. \n\nWe were repeatedly told that -- and, if this is true, it represents an INCREDIBLY poorly designed process -- as loan forgiveness is being processed, the de-activated loans are 're-activated, ' and thus appear as delinquent/unpaid on a person 's credit report until the process is completed, which must happen within a 120-day period. In other words, WITH NO KNOWLEDGE to the veteran, who in face is notified in writing that no further payment is necessary, they are reported as delinquent on their loan, and will be for at least 4 months.. This is especially unjust, as the veteran neither has knowledge about it and thus can not do anything to prevent or remedy the situation. \n\nSeveral XXXX representatives told us that since the 120-day period had not concluded, there was nothing that I could do but wait for the loan forgiveness process to conclude and then, once the loan was no longer \" delinquent '', wait for our credit scores to improve. Because this sounded ridiculous, which it is, I repeatedly asked to speak to persons in different branches and to supervisors of those persons, and were promised on Thursday the XXXX that I would receive a call back from one supervisor Friday the XXXX. Unsurprisingly, though, we did not receive a call from XXXX that day, and my attempt to call back the person whom I had spoken with the previous day was unsuccessful that day as well. \n\nI spoke with a \" Senior Resolution Specialist, '' XXXX XXXX, on Monday XXXX. XXXX, XXXX, after being on the phone for nearly three hours. This individual did offer to join a three-way call with the underwriter from my bank, which I arranged using my own phone. During this call, XXXX XXXX verified to the underwriter that ( 1 ) XXXX 's report of my delinquent payment had been in error, ( 2 ) that my loans were paid in full, and ( 3 ) that it usually takes 120 days for a lender to approve a loan discharge. XXXX XXXX told both that underwriter and me that he would investigate how to have the lender 's report to credit reporting agencies adjusted, and would be back in touch. Again, unsirprisingly, I have not been able to reach XXXX XXXX since. \n\nWe were able to close on our home loan successfully on XX/XX/XXXX, thankfully, but in making inquiries regarding contingency plans for extending part of the loan ( e.g. in the case that expenses for repairs to a damaged foundation and heating system exceeded our contractor 's estimates ), were told again by our bank that my credit score was lower than what is considered adequate for further assistance -- in other words, that my credit score had not been adjusted. We also received a letter from XXXX dated XX/XX/XXXX, that next week, stating : \" Thank you for your recent credit reporting inquiry. After careful review of your account we have determined that the student loan ( s ) referenced in your request requires no adjustment because All credit reporting is valid and accurate. \n\nUnder the Fair Credit Reporting Act ( FCRA ), data providers are not required to investigate certain disputes received directly from consumers. [ ... gives examples ]. '' We have continued to contact XXXX to dispute their abjuring the responsibility to clarify that I have not been delinquent on a payment, but subsequent conversations ( most recently yesterday, XX/XX/XXXX, and today, XX/XX/XXXX ) have yielded the same answer -- they will take no action. \n\nHow can this be possible, when the credit reporting regarding the individual -- me -- is INACCURATE? Who designed a system that throws veterans into financial delinquency for at least a third of a year, with great possibilities that damage to credit scores can take MUCH longer to repair, and that they may not be able to access funds for their or their families needs, while their student loans are being \" processed ''? Why are loan servicers not obliged to clarify that they are receiving TAXPAYER MONEY for every cent of those veterans ' loans, and to use some of those funds to make sure the persons whose physical and/or mental health has been damaged by service to their country isn't worsened by financial crisis and anxiety? This clearly is hurting multiple other veterans, as I have found while researching how and to whom I could make further complaints. \n\nI am sending this complaint not only in the hopes for some resolution for myself, but for the many other veterans who, despite the existence of the XXXX and XXXX XXXX loan forgiveness program, are XXXX being financially damaged as they try to extricate themselves from their debts. It isn't much to ask, to have XXXX and other loan servicers explain to Equifax, Experian, and Transunion, that veterans like myself have not been delinquent on payments since we were notified, in writing, that our loans were forgiven.","date_sent_to_company":"2020-07-17T23:35:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"134XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3751341","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-07-17T23:35:21.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Under the Fair Credit Reporting Act ( FCRA ), data providers are not required to investigate certain disputes received directly from consumers. [ ... gives examples ]. '' We have continued to contact XXXX to dispute their abjuring the responsibility to clarify that I have not been delinquent on a payment, but subsequent conversations ( most recently yesterday, XX/XX/XXXX, and today, XX/XX/XXXX ) have yielded the same answer -- they will take no action."]},"sort":[9.264168,"3751341"]},{"_index":"complaint-public-v1","_id":"2465512","_score":8.425814,"_source":{"product":"Student loan","complaint_what_happened":"I have XXXX student loans throug h UHEAA. I g raduated in XXXX of XXXX . With my first job, I did not make enough to pay all my student loans every month, so I applied for deferment with UHEAA. It was granted. I finally did get a better job but that was right when my deferment was supposed to end XXXX XXXX . I went ahead and moved across country and began the process of buying a an expensive dental practice. I called UHEAA in early XXXX . I can not supply the specific date without a court order because it is from my business phone line. I spoke with a representative and told him my situation and that my wife and I were also having a baby in XXXX XXXX , and that I still could not pay my student loans for a few more months. The rep asked when I thought I could, and I replied that I could in XXXX of XXXX . He said Great, I will put your account in deferment until XXXX and we will have your first bill due in XXXX . He told me that he put my accounts in deferment. He did not say I needed to do anything else to make it so. It was done. I was so relieved! A representative of the company said I was deferred. He even told me what I needed to do next, which was to call back sometime in XXXX to set up my payment. I called them back on XXXX XXXX , at which point, I was informed that I was not in deferment and was in fact XXXX whole months late and owed {$3000.00} right then! They had left no message on my phone number listed on my account. My phone number had not changed since XXXX . They had it. I never received a letter from them even though I gave them my new address in that phone call previously mentioned. None of the emails they sent clearly said I was overdue, just that I should contact them and had coded images. I wasnt concerned at the time because I knew exactly when I needed to pay again. This is UHEAAs error. UHEAA tells me over the phone that it is not their problem and that there is nothing they can do to help me because I do not remember the name of the person I talked to that told me I was put in deferment. Every phone conversation is supposed to be documented and or recorded. They also claim over the phone that the only way they can look up a specific phone call is if I supply the phone number that I called from. They used my cell phone to look up the previous call. They did not find it of course because I remembered after that phone conversation that I had decided to use my work phone ( with multiple lines ) so that I could have my account info in front of me on my cell phone for ease on the phone call in question. It really is upsetting to me that, if I understand what I was told correctly, somehow they have recorded or otherwise documented phone calls floating in their system unattached to the appropriate account holders? Just telling you what I was told. How is this appropriate? I decided that the only way to communicate with UHEAA is through written letters. I sent them certified mail asking them to report to the credit bureaus that I was disputing the claim that I had been 6 months late. By law they have 30 days to report Disputed on my account to all the credit bureau s. ( Fair Credit Reporting Act sect ion 623 ( a ) ( 3 ) ). Th ey never indicated that I was disputing their record keeping within those 30 days or ever. I have proof of this to be supplied along with this testimony. This impacted me because I can not consolidate or refinance any of my student loans at lower interest rates with a longer term with another company that I can trust. I am always denied. I have very high interest rates on my student loans and I was given no option other that those interest rates and was only offered a ten-year term. Furthermore, I applied for a home loan 4 times with XXXX different companies. All were denied because my credit report says that I was 6 months late on XXXX accounts with no other indication in my defense. I have had to lose money through rent since. Next I decided that maybe they needed to hear it from a lawyer. So I had my lawyer write to them XXXX XXXX , XXXX requesting that they retrieve the phone call that I made to them in the beginning of XXXX supplying my company phone numbers. I did this hoping they would actually look into it and finally deal honestly with me. They replied two months later on XXXX XXXX XXXX by sending the same letter they had sent on XXXX previous occasions with an added line saying that the only phone number THEY called was the phone number on my account. I was asking about a call I made to them. They also indicated or implied in this letter that they did not have to follow FDCPA law because they are governed by the Department of Education. The Fair Credit Reporting Act is a federal law and they are an entity who reports to credit bureaus. How does this not apply to them? In this same letter, they indicate that they have included my Master Promissory Note, bu t they did not. They literally pretended to not even understand the request clearly stated from my lawyer. They did not include information that they said that they did. In the beginning of XXXX I called them, they did not call me. This is the call I was asking them to look for. Since I can provide documentation that they do not report fairly on my credit report by supplying that I dispute their claims within the 30 days they are given by law, I want them to be accountable for what their representative said from the beginning of this ordeal. I have never been late on a payment with them since this time. I have paid more than the minimum multiple times. I have tried over and over again to speak to or write to this company with the belief in professional integrity. I have not found it with this company. I believe they should be investigated for poor record keeping, poorly trained customer service and other personnel, hour long wait times, illegal credit reporting practices, but also, and maybe more importantly, intentionally finding ways to charge people unfairly. I have already complained to the BBB. I have tried to communicate with UHEAA for so long, for too long. They are government run and feel that they are above the law. They will claim that they have no evidence of that call. If that is even possible to be true, then they do not keep good records, and they have untrained people dealing with thousands of other peoples dollars. They say they do not have to follow the fair credit reporting laws in writing to me AND that it is not their job to make the change to the credit report, that the credit bureaus are the only ones who can. This is not true. The credit bureaus go off of what UHEAA supplies to them. I would like for them to find my call or to figure out why they dont have it. I am not sure if anyone even looked for the phone numbers supplied in the letter from my lawyers in XXXX of XXXX . Their response indicates they did not even understand the question, so this strongly suggests that they did not. Does UHEAA have record of what letters were sent to me and when? Did the letters they supposedly sent to me, get returned to them? What address is listed on those letters? Did they make reasonable effort to contact me? The fact that no messages were left on my pho ne ( a num ber that had not changed since XXXX ), in dicates that they did not. They claim they called my parents, but if that were true, my par ents ( who I see frequently and have given me numerous mes sages ) w ould have contacted me for that is who they are, but they did not get any message. Ever. Their phone number has never changed since before I was born.","date_sent_to_company":"2017-04-25T07:20:03.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Federal student loan servicing","zip_code":"99223","tags":null,"has_narrative":true,"complaint_id":"2465512","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Utah System of Higher Education","date_received":"2017-04-24T22:50:35.000Z","state":"WA","company_public_response":"Company believes complaint is the result of an isolated error","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I never received a letter from them even though I gave them my new address in that phone call previously mentioned. None of the emails they sent clearly said I was overdue, just that I should contact them and had coded images. I wasnt concerned at the time because I knew exactly when I needed to pay again. This is UHEAAs error."],"issue":["Problem with a credit reporting company's investigation into an existing problem"],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[8.425814,"2465512"]},{"_index":"complaint-public-v1","_id":"2642878","_score":8.414955,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"At the beginning of XX/XX/XXXXupon closing on our new home, I discovered that Iberia Bank was inaccurately reporting information regarding a previous auto account that had been repossessed. We made arrangements to repay the outstanding amount on the loan and accidently missed a XXXX payment and called at the end of XXXX to inform them of our oversight and our intentions to provide a double payment in XXXX To our shock, Iberia Bank stated they had already sent it to garnishment. My husband and I had no choice but to file bankruptcy although the defaulted auto loan was about the only debt we had. We were advised by our attorney that only one of us should file since we lived in a community property account and had been married for over 10 years. My husband filed and the debt mentioned in this report was included it in my husband 's bankruptcy.\n\nFor approximately a year after the bankruptcy Iberia Bank continuously called and harassed me. I eventually reached out to our attorney and a cease and desist letter was sent to Iberia Bank. In response to the letter they stopped calling but apparently turned thier attention to my credit history. In XX/XX/XXXXmy husband and I began the process of purchasing our first home. Naturally our underwriter requested information regarding the account. I reached out to the special assets department of Iberia Bank and was told to speak to a representative by the name of XX/XX/XXXX. I explained the situation regarding my husband 's bankruptcy and the fact that my debt was included under his bankruptcy according to community property state laws. My husband and I have been married for over 10 years and remain currently married as of today therefore my debt was included in his bankruptcy which was discharged inXX/XX/XXXX. XXXX would not give me any information and adamantly refused to give me anything in writing regarding my account. After speaking to XXXX on 2 different occasions and getting nowhere, I asked if I could speak to a supervisor. The supervisor told me that I was incorrect in my interpretation of community property laws however she would send me a letter stating the information regarding my account status with Iberia Bank. This request was made onXX/XX/XXXXXX/XX/XXXX The supervisor told me on the phone that she would be sending me a hard copy, she also asked for my address and also if I would like an electronic copy sent as well. The letter never showed up so I began calling again to which I was told that I would only be able to speak to a different supervisor by the name of XXXX XXXX. XXXX informed me that I would never ever receive a letter from Iberia Bank stating my account status and he had no record of my call with the previous supervisor or any of the previous failed dispute attempts. The supervisor I spoke to originally ironically did not give me her name. He then repeatedly told me to take it up with the credit bureaus. I explained that I have filed a total of six complaints towards Iberia Bank regarding this issue, hired a law firm and spent multiple hours on the phone trying to get this corrected.\n\nThe problem was each and every time I called to inquire about the account or ask questions, Iberia Bank immediately would update my account with 120 days past due. As stated above, this account was included in the bankruptcy therefore I was unable to even pay on the account much less, all of a sudden be 120 days past due. UntilXX/XX/XXXXXXXX this account was not reporting. The date of the first update wasXX/XX/XXXX and the second update was on XX/XX/XXXXwhich is the date of the letter promised by the other supervisor. The inaccuracies at this point included : foreclosure terminology instead of the correct repossession terminology, the account appeared open when it was supposed to be closed inXX/XX/XXXX and numerous late payments after the date of my initial inquiry into the account. I stated for three months repetitiously then I will need all three of these inaccuracies corrected and documentation to prove that such inaccuracies were updated correctly. They refused to correct the information & repeatedly stated you will have to take that up with the credit bureau 's ; to which when I called the credit bureaus they told me that Iberia Bank verified the information, the inaccurate information. I would then turn around and call Iberia Bank and he would repeatedly state that I needed to take it up with the credit bureaus.\n\nThis consumed over three months of a daily struggle, 6 to 8 hours a day desperately trying to get correct information reported to the credit bureau 's. We are in the middle of a house closing and the inaccuracies have caused this much strife and eventually cost us our house. Iberia Bank was made aware of all of this throughout the entire past four months however refused to budge on anything brought to their attention.\n\nAs a last resort, onXX/XX/XXXXXX/XX/XXXX I decided to walk into a local Iberia Bank branch and ask for information regarding my account. The branch manager immediately pulled up my information and low and the hold the requested letter from XX/XX/XXXXwas in my file. The branch manager printed it out and gave it to me however it only stated that the account has been charged off not closed as it should be reflected. I then attempted to call XXXX with the Special Assets Department of Iberia Bank back and hopes to get the correct information reported. He again defaulted to the statement you 'll have to take that up with the credit bureau 's and furthermore told me that the credit bureaus must be obtaining their information from the wrong address and I should provide them with the correct address so that the correct information would be reflected. As absurd as this actually was I followed through with his request and as expected the credit bureaus immediately told me that I could not provide such information it would have to be given by the bank self due to the fact that Iberia Bank subscribes to their service therefore they must provide information to the credit bureau 's.\n\nAfter many phone calls to all three credit bureau 's on a regular basis it became apparent that Iberia Bank was simply moving in accurate, illegal informati after many phone calls to all three credit bureau 's on a regular basis it became apparent that Iberia Bank was simply moving in accurate information from one credit bureau to another does making it almost impossible to keep up with/and or correct.\n\nOnXX/XX/XXXXXX/XX/XXXX after many persistent phone calls and threatening to report them to the FTC and to contact the president of Iberia Bank, XXXX XXXX and XXXX XXXX agreed to send me a letter stating they were in fact reporting inaccurately. OnXX/XX/XXXX they provided me with a copy of the universal dataform that was supposed to reflect a triveta update to each of the credit bureaus.\n\nThe following information was to be corrected : no late payments past XX/XX/XXXX no foreclosure terminology and no open account. The changes were accurate however they were only reflected on my credit report for approximately 48 hours. Upon further investigation of the submitted Universal Data Form, it was brought to our attention that they also illegally change the responsibility from a joint account to an individual account and they also increased the total amount from {$9900.00} to approximately 13,000 and one day later increased the amount owed to approximately 19,000. They also added 76 late payments to my 72 month term account after sending documentation stating all late payments were to be removed pastXX/XX/XXXX All of which is false and illegally being reported to all three credit bureau 's. Iberia Bank has refused to correct the most recent inaccuracies and have defaulted back to staing that I need to contact the credit bureaus to which I called and supplied all of my letters however due to the time restraints of the situation it was in my best interest to contact CFPB. I can provide all documentation regarding the letters written to me from Iberia Bank stating the fact that they were in accurately reporting, the copy of the universal dataform and many screenshots of their reporting over the past 4 months. This situation has cost my family and I our home and the opportunity to even purchase a home. We will not be able to ever purchase a home without Iberia Bank correcting the information. As mentioned, I have spent approximately 6 to 8 hours daily to get this corrected.\n\nThe following INACCURATE information is showing on multiple credit reporting agencies : Account open, amount past due of {$19000.00}, joint account now shows individual account responsibility and 76 late payments.\n\nThe account should ACCURATELY reflect the account closed inXX/XX/XXXX, joint responsibility, and no late payments after XX/XX/XXXX.\n\nHowever, at this point, I would like the entire debt to be removed from all three credit bureau 's so that Iberia Bank has no means of accessing my Social Security number or any of my information in the future due to multiple failed opportunities to accurately and legally handled the situation. They have changed the information they are reporting on a daily bases and I have no faith that any information reported by them will be reported correctly and will not be changed in the future unbeknownst to me.","date_sent_to_company":"2017-08-23T22:41:35.000Z","issue":"Incorrect information on your report","sub_product":"Loan","zip_code":"710XX","tags":null,"has_narrative":true,"complaint_id":"2642878","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH","date_received":"2017-08-23T22:29:48.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["The letter never showed up so I began calling again to which I was told that I would only be able to speak to a different supervisor by the name of XXXX XXXX. XXXX informed me that I would never ever receive a letter from Iberia Bank stating my account status and he had no record of my call with the previous supervisor or any of the previous failed dispute attempts. The supervisor I spoke to originally ironically did not give me her name."]},"sort":[8.414955,"2642878"]},{"_index":"complaint-public-v1","_id":"2642662","_score":8.402078,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"At the beginning ofXX/XX/XXXXupon closing on our new home, I discovered that XXXX XXXX was inaccurately reporting information regarding a previous auto account that had been repossessed. We made arrangements to repay the outstanding amount on the loan and accidently missed a XXXX payment and called at the end of XXXX to inform them of our oversight and our intentions to provide a double payment in XXXX. To our shock, XXXXXXXX XXXX stated they had already sent it to garnishment. My husband and I had no choice but to file bankruptcy although the defaulted auto loan was about the only debt we had. We were advised by our attorney that only one of us should file since we lived in a community property account and had been married for over 10 years. My husband filed and the debt mentioned in this report was included it in my husband 's bankruptcy. \n\nFor approximately a year after the bankruptcy XXXXXXXX XXXX continuously called and harassed me. I eventually reached out to our attorney and a cease and desist letter was sent to XXXXXXXX XXXX In response to the letter they stopped calling but apparently turned thier attention to my credit history. In XXXX my husband and I began the process of purchasing our first home. Naturally our underwriter requested information regarding the account. I reached out to the special assets department of XXXXXXXX XXXX and was told to speak to a representative by the name of XXXX. I explained the situation regarding my husband 's bankruptcy and the fact that my debt was included under his bankruptcy according to community property state laws. My husband and I have been married for over 10 years and remain currently married as of today therefore my debt was included in his bankruptcy which was discharged in XX/XX/XXXX XXXX would not give me any information and adamantly refused to give me anything in writing regarding my account. After speaking to XXXX on 2 different occasions and getting nowhere, I asked if I could speak to a supervisor. The supervisor told me that I was incorrect in my interpretation of community property laws however she would send me a letter stating the information regarding my account status with XXXXXXXX XXXX. This request was made onXX/XX/XXXX The supervisor told me on the phone that she would be sending me a hard copy, she also asked for my address and also if I would like an electronic copy sent as well. The letter never showed up so I began calling again to which I was told that I would only be able to speak to a different supervisor by the name of XXXX XXXX. XXXX informed me that I would never ever receive a letter from XXXX XXXX stating my account status and he had no record of my call with the previous supervisor or any of the previous failed dispute attempts. The supervisor I spoke to originally ironically did not give me her name. He then repeatedly told me to take it up with the credit bureaus. I explained that I have filed a total of six complaints towards XXXXXXXX XXXX regarding this issue, hired a law firm and spent multiple hours on the phone trying to get this corrected. \nThe problem was each and every time I called to inquire about the account or ask questions, XXXX XXXX immediately would update my account with 120 days past due. As stated above, this account was included in the bankruptcy therefore I was unable to even pay on the account much less, all of a sudden be 120 days past due. Until XXXX this account was not reporting. The date of the first update was XX/XX/XXXX and the second update was on XXXX XXXX, XXXX which is the date of the letter promised by the other supervisor. The inaccuracies at this point included : foreclosure terminology instead of the correct repossession terminology, the account appeared open when it was supposed to be closed in XXXX, and numerous late payments after the date of my initial inquiry into the account. I stated for three months repetitiously then I will need all three of these inaccuracies corrected and documentation to prove that such inaccuracies were updated correctly. They refused to correct the information & repeatedly stated you will have to take that up with the credit bureau 's ; to which when I called the credit bureaus they told me that XXXX XXXX verified the information, the inaccurate information. I would then turn around and call XXXX XXXX and he would repeatedly state that I needed to take it up with the credit bureaus. \nThis consumed over three months of a daily struggle, 6 to 8 hours a day desperately trying to get correct information reported to the credit bureau 's. We are in the middle of a house closing and the inaccuracies have caused this much strife and eventually cost us our house. XXXX XXXX was made aware of all of this throughout the entire past four months however refused to budge on anything brought to their attention. \nAs a last resort, onXX/XX/XXXX, I decided to walk into a local XXXXXXXX XXXX branch and ask for information regarding my account. The branch manager immediately pulled up my information and low and the hold the requested letter from XX/XX/XXXX was in my file. The branch manager printed it out and gave it to me however it only stated that the account has been charged off not closed as it should be reflected. I then attempted to call XXXX with the Special Assets Department of XXXX XXXX back and hopes to get the correct information reported. He again defaulted to the statement you 'll have to take that up with the credit bureau 's and furthermore told me that the credit bureaus must be obtaining their information from the wrong address and I should provide them with the correct address so that the correct information would be reflected. As absurd as this actually was I followed through with his request and as expected the credit bureaus immediately told me that I could not provide such information it would have to be given by the bank self due to the fact that XXXXXXXX XXXX subscribes to their service therefore they must provide information to the credit bureau 's. \nAfter many phone calls to all three credit bureau 's on a regular basis it became apparent that XXXX XXXX was simply moving in accurate, illegal informati after many phone calls to all three credit bureau 's on a regular basis it became apparent that XXXX XXXX was simply moving in accurate information from one credit bureau to another does making it almost impossible to keep up with/and or correct. \nOn XXXX XXXX, XXXX, after many persistent phone calls and threatening to report them to the FTC and to contact the president of XXXX Bank, XXXX XXXX and XXXX XXXX agreed to send me a letter stating they were in fact reporting inaccurately. On XXXX XXXX, XXXX they provided me with a copy of the universal dataform that was supposed to reflect a triveta update to each of the credit bureaus. \nThe following information was to be corrected : no late payments past XXXX, no foreclosure terminology and no open account. The changes were accurate however they were only reflected on my credit report for approximately 48 hours. Upon further investigation of the submitted Universal Data Form, it was brought to our attention that they also illegally change the responsibility from a joint account to an individual account and they also increased the total amount from {$9900.00} to approximately XXXX and one day later increased the amount owed to approximately XXXX. They also added XXXX late payments to my 72 month term account after sending documentation stating all late payments were to be removed past XXXX. All of which is false and illegally being reported to all three credit bureau 's. XXXXXXXX XXXX has refused to correct the most recent inaccuracies and have defaulted back to staing that I need to contact the credit bureaus to which I called and supplied all of my letters however due to the time restraints of the situation it was in my best interest to contact CFPB. I can provide all documentation regarding the letters written to me from XXXXXXXX XXXX stating the fact that they were in accurately reporting, the copy of the universal dataform and many screenshots of their reporting over the past 4 months. This situation has cost my family and I our home and the opportunity to even purchase a home. We will not be able to ever purchase a home without XXXX XXXX correcting the information. As mentioned, I have spent approximately 6 to 8 hours daily to get this corrected. \n\nThe following INACCURATE information is showing on multiple credit reporting agencies : Account open, amount past due of {$19000.00}, joint account now shows individual account responsibility and XXXX late payments. \n\nThe account should ACCURATELY reflect the account closed in XXXX, joint responsibility, and no late payments after XXXX. \n\nHowever, at this point, I would like the entire debt to be removed from all three credit bureau 's so that XXXX XXXX has no means of accessing my Social Security number or any of my information in the future due to multiple failed opportunities to accurately and legally handled the situation. They have changed the information they are reporting on a daily bases and I have no faith that any information reported by them will be reported correctly and will not be changed in the future unbeknownst to me.","date_sent_to_company":"2017-08-23T22:41:40.000Z","issue":"Incorrect information on your report","sub_product":"Loan","zip_code":"710XX","tags":null,"has_narrative":true,"complaint_id":"2642662","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-08-23T22:41:37.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["The letter never showed up so I began calling again to which I was told that I would only be able to speak to a different supervisor by the name of XXXX XXXX. XXXX informed me that I would never ever receive a letter from XXXX XXXX stating my account status and he had no record of my call with the previous supervisor or any of the previous failed dispute attempts. The supervisor I spoke to originally ironically did not give me her name."]},"sort":[8.402078,"2642662"]},{"_index":"complaint-public-v1","_id":"2642880","_score":8.391706,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"At the beginning of XX/XX/XXXX upon closing on our new home, I discovered that XXXX XXXX was inaccurately reporting information regarding a previous auto account that had been repossessed. We made arrangements to repay the outstanding amount on the loan and accidently missed a XX/XX/XXXX payment and called at the end of XX/XX/XXXXto inform them of our oversight and our intentions to provide a double payment in XX/XX/XXXX. To our shock, XXXX XXXX stated they had already sent it to garnishment. My husband and I had no choice but to file bankruptcy although the defaulted auto loan was about the only debt we had. We were advised by our attorney that only one of us should file since we lived in a community property account and had been married for over 10 years. My husband filed and the debt mentioned in this report was included it in my husband 's bankruptcy.\nFor approximately a year after the bankruptcy XXXX XXXX continuously called and harassed me. I eventually reached out to our attorney and a cease and desist letter was sent to XXXX XXXX. In response to the letter they stopped calling but apparently turned thier attention to my credit history. In XX/XX/XXXXmy husband and I began the process of purchasing our first home. Naturally our underwriter requested information regarding the account. I reached out to the special assets department of XXXX XXXX and was told to speak to a representative by the name of XXXX. I explained the situation regarding my husband 's bankruptcy and the fact that my debt was included under his bankruptcy according to community property state laws. My husband and I have been married for over 10 years and remain currently married as of today therefore my debt was included in his bankruptcy which was discharged in XX/XX/XXXX. XXXX would not give me any information and adamantly refused to give me anything in writing regarding my account. After speaking to XXXX on 2 different occasions and getting nowhere, I asked if I could speak to a supervisor. The supervisor told me that I was incorrect in my interpretation of community property laws however she would send me a letter stating the information regarding my account status with XXXX XXXX. This request was made on XX/XX/XXXX. The supervisor told me on the phone that she would be sending me a hard copy, she also asked for my address and also if I would like an electronic copy sent as well. The letter never showed up so I began calling again to which I was told that I would only be able to speak to a different supervisor by the name of XXXX XXXX. XXXX informed me that I would never ever receive a letter from XXXX XXXX stating my account status and he had no record of my call with the previous supervisor or any of the previous failed dispute attempts. The supervisor I spoke to originally ironically did not give me her name. He then repeatedly told me to take it up with the credit bureaus. I explained that I have filed a total of six complaints towards XXXX XXXX regarding this issue, hired a law firm and spent multiple hours on the phone trying to get this corrected.\nThe problem was each and every time I called to inquire about the account or ask questions, XXXX XXXX immediately would update my account with 120 days past due. As stated above, this account was included in the bankruptcy therefore I was unable to even pay on the account much less, all of a sudden be 120 days past due. Until XX/XX/XXXX this account was not reporting. The date of the first update was XX/XX/XXXX and the second update was on XX/XX/XXXX which is the date of the letter promised by the other supervisor. The inaccuracies at this point included : foreclosure terminology instead of the correct repossession terminology, the account appeared open when it was supposed to be closed in XX/XX/XXXX, and numerous late payments after the date of my initial inquiry into the account. I stated for three months repetitiously then I will need all three of these inaccuracies corrected and documentation to prove that such inaccuracies were updated correctly. They refused to correct the information & repeatedly stated you will have to take that up with the credit bureau 's ; to which when I called the credit bureaus they told me that XXXX XXXX verified the information, the inaccurate information. I would then turn around and call XXXX XXXX and he would repeatedly state that I needed to take it up with the credit bureaus.\nThis consumed over three months of a daily struggle, 6 to 8 hours a day desperately trying to get correct information reported to the credit bureau 's. We are in the middle of a house closing and the inaccuracies have caused this much strife and eventually cost us our house. XXXX XXXX was made aware of all of this throughout the entire past four months however refused to budge on anything brought to their attention.\nAs a last resort, on XX/XX/XXXX, I decided to walk into a local XXXX XXXX XXXX and ask for information regarding my account. The branch manager immediately pulled up my information and low and the hold the requested letter from XX/XX/XXXX was in my file. The branch manager printed it out and gave it to me however it only stated that the account has been charged off not closed as it should be reflected. I then attempted to call XXXX with the Special Assets Department of XXXX XXXX back and hopes to get the correct information reported. He again defaulted to the statement you 'll have to take that up with the credit bureau 's and furthermore told me that the credit bureaus must be obtaining their information from the wrong address and I should provide them with the correct address so that the correct information would be reflected. As absurd as this actually was I followed through with his request and as expected the credit bureaus immediately told me that I could not provide such information it would have to be given by the bank self due to the fact that XXXX XXXX subscribes to their service therefore they must provide information to the credit bureau 's.\nAfter many phone calls to all three credit bureau 's on a regular basis it became apparent that XXXX XXXX was simply moving in accurate, illegal informati after many phone calls to all three credit bureau 's on a regular basis it became apparent that XXXX XXXX was simply moving in accurate information from one credit bureau to another does making it almost impossible to keep up with/and or correct.\nOn XX/XX/XXXX, after many persistent phone calls and threatening to report them to the FTC and to contact the president of XXXX XXXX, XXXX XXXX and XXXX XXXX agreed to send me a letter stating they were in fact reporting inaccurately. On XX/XX/XXXX they provided me with a copy of the universal dataform that was supposed to reflect a XXXX update to each of the credit bureaus.\nThe following information was to be corrected : no late payments past XX/XX/XXXX, no foreclosure terminology and no open account. The changes were accurate however they were only reflected on my credit report for approximately 48 hours. Upon further investigation of the submitted Universal Data Form, it was brought to our attention that they also illegally change the responsibility from a joint account to an individual account and they also increased the total amount from {$9900.00} to approximately 13,000 and one day later increased the amount owed to approximately 19,000. They also added 76 late payments to my 72 month term account after sending documentation stating all late payments were to be removed past XX/XX/XXXX. All of which is false and illegally being reported to all three credit bureau 's. XXXX XXXX has refused to correct the most recent inaccuracies and have defaulted back to staing that I need to contact the credit bureaus to which I called and supplied all of my letters however due to the time restraints of the situation it was in my best interest to contact CFPB. I can provide all documentation regarding the letters written to me from XXXX XXXX stating the fact that they were in accurately reporting, the copy of the universal dataform and many screenshots of their reporting over the past 4 months. This situation has cost my family and I our home and the opportunity to even purchase a home. We will not be able to ever purchase a home without XXXX XXXX correcting the information. As mentioned, I have spent approximately 6 to 8 hours daily to get this corrected.\nThe following INACCURATE information is showing on multiple credit reporting agencies : Account open, amount past due of {$19000.00}, joint account now shows individual account responsibility and 76 late payments.\nThe account should ACCURATELY reflect the account closed in XX/XX/XXXX, joint responsibility, and no late payments after XX/XX/XXXX.\nHowever, at this point, I would like the entire debt to be removed from all three credit bureau 's so that XXXX XXXX has no means of accessing my Social Security number or any of my information in the future due to multiple failed opportunities to accurately and legally handled the situation. They have changed the information they are reporting on a daily bases and I have no faith that any information reported by them will be reported correctly and will not be changed in the future unbeknownst to me.","date_sent_to_company":"2017-08-23T22:41:40.000Z","issue":"Incorrect information on your report","sub_product":"Loan","zip_code":"710XX","tags":null,"has_narrative":true,"complaint_id":"2642880","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-08-23T22:41:37.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["The letter never showed up so I began calling again to which I was told that I would only be able to speak to a different supervisor by the name of XXXX XXXX. XXXX informed me that I would never ever receive a letter from XXXX XXXX stating my account status and he had no record of my call with the previous supervisor or any of the previous failed dispute attempts. The supervisor I spoke to originally ironically did not give me her name."]},"sort":[8.391706,"2642880"]},{"_index":"complaint-public-v1","_id":"2642879","_score":8.391706,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"At the beginning of XXXX XXXX upon closing on our new home, I discovered that XXXX XX/XX/XXXXwas inaccurately reporting information regarding a previous auto account that had been repossessed. We made arrangements to repay the outstanding amount on the loan and accidently missed a XXXX payment and called at the end of XXXX to inform them of our oversight and our intentions to provide a double payment in XXXX. To our shock, XXXX XX/XX/XXXX stated they had already sent it to garnishment. My husband and I had no choice but to file bankruptcy although the defaulted auto loan was about the only debt we had. We were advised by our attorney that only one of us should file since we lived in a community property account and had been married for over 10 years. My husband filed and the debt mentioned in this report was included it in my husband 's bankruptcy. \n\nFor approximately a year after the bankruptcy XXXX XX/XX/XXXXcontinuously called and harassed me. I eventually reached out to our attorney and a cease and desist letter was sent to XXXX XX/XX/XXXX. In response to the letter they stopped calling but apparently turned thier attention to my credit history. In XXXX my husband and I began the process of purchasing our first home. Naturally our underwriter requested information regarding the account. I reached out to the special assets department of XXXX XX/XX/XXXX and was told to speak to a representative by the name of XXXX. I explained the situation regarding my husband 's bankruptcy and the fact that my debt was included under his bankruptcy according to community property state laws. My husband and I have been married for over 10 years and remain currently married as of today therefore my debt was included in his bankruptcy which was discharged in XXXX XXXX. XXXX would not give me any information and adamantly refused to give me anything in writing regarding my account. After speaking to XXXX on 2 different occasions and getting nowhere, I asked if I could speak to a supervisor. The supervisor told me that I was incorrect in my interpretation of community property laws however she would send me a letter stating the information regarding my account status with XXXX XX/XX/XXXX. This request was made on XXXX XXXX, XXXX. The supervisor told me on the phone that she would be sending me a hard copy, she also asked for my address and also if I would like an electronic copy sent as well. The letter never showed up so I began calling again to which I was told that I would only be able to speak to a different supervisor by the name of XXXX XXXX. XXXX informed me that I would never ever receive a letter from XXXX XX/XX/XXXXstating my account status and he had no record of my call with the previous supervisor or any of the previous failed dispute attempts. The supervisor I spoke to originally ironically did not give me her name. He then repeatedly told me to take it up with the credit bureaus. I explained that I have filed a total of six complaints towards XXXX XX/XX/XXXX regarding this issue, hired a law firm and spent multiple hours on the phone trying to get this corrected. \nThe problem was each and every time I called to inquire about the account or ask questions, XXXX XX/XX/XXXX immediately would update my account with 120 days past due. As stated above, this account was included in the bankruptcy therefore I was unable to even pay on the account much less, all of a sudden be 120 days past due. Until XXXX this account was not reporting. The date of the first update was XXXX XXXX and the second update was on XXXX XXXX, XXXX which is the date of the letter promised by the other supervisor. The inaccuracies at this point included : foreclosure terminology instead of the correct repossession terminology, the account appeared open when it was supposed to be closed in XXXX, and numerous late payments after the date of my initial inquiry into the account. I stated for three months repetitiously then I will need all three of these inaccuracies corrected and documentation to prove that such inaccuracies were updated correctly. They refused to correct the information & repeatedly stated you will have to take that up with the credit bureau 's ; to which when I called the credit bureaus they told me that XXXX XX/XX/XXXX verified the information, the inaccurate information. I would then turn around and call XXXX XX/XX/XXXX and he would repeatedly state that I needed to take it up with the credit bureaus. \nThis consumed over three months of a daily struggle, 6 to 8 hours a day desperately trying to get correct information reported to the credit bureau 's. We are in the middle of a house closing and the inaccuracies have caused this much strife and eventually cost us our house. XXXX XXXX was made aware of all of this throughout the entire past four months however refused to budge on anything brought to their attention. \nAs a last resort, on XXXX XXXX XXXX, I decided to walk into a local XXXX XX/XX/XXXX branch and ask for information regarding my account. The branch XXXX immediately pulled up my information and low and the hold the requested letter from XXXX XXXX was in my file. The branch XXXX printed it out and gave it to me however it only stated that the account has been charged off not closed as it should be reflected. I then attempted to call XXXX with the XXXX XXXX Department XXXX XXXX XX/XX/XXXX back and hopes to get the correct information reported. He again defaulted to the statement you 'll have to take that up with the credit bureau 's and furthermore told me that the credit bureaus must be obtaining their information from the wrong address and I should provide them with the correct address so that the correct information would be reflected. As absurd as this actually was I followed through with his request and as expected the credit bureaus immediately told me that I could not provide such information it would have to be given by the bank self due to the fact that XXXX XX/XX/XXXX subscribes to their service therefore they must provide information to the credit bureau 's. \nAfter many phone calls to all three credit bureau 's on a regular basis it became apparent that XXXX XX/XX/XXXX was simply moving in accurate, illegal informati after many phone calls to all three credit bureau 's on a regular basis it became apparent that XXXX XX/XX/XXXX was simply moving in accurate information from one credit bureau to another does making it almost impossible to keep up with/and or correct. \nOn XXXX XXXX, XXXX, after many persistent phone calls and threatening to report them to the FTC and to contact the president of XXXX XX/XX/XXXX, XXXX XXXX and XXXX XXXX agreed to send me a letter stating they were in fact reporting inaccurately. On XXXX XXXX, XXXX they provided me with a copy of the universal dataform that was supposed to reflect a triveta update to each of the credit bureaus. \nThe following information was to be corrected : no late payments past XXXX, no foreclosure terminology and no open account. The changes were accurate however they were only reflected on my credit report for approximately 48 hours. Upon further investigation of the submitted XXXX XXXX XXXX, it was brought to our attention that they also illegally change the responsibility from a joint account to an individual account and they also increased the total amount from {$9900.00} to approximately XXXX and one day later increased the amount owed to approximately 19,000. They also added 76 late payments to my 72 month term account after sending documentation stating all late payments were to be removed past XXXX. All of which is false and illegally being reported to all three credit bureau 's. XXXX XX/XX/XXXX has refused to correct the most recent inaccuracies and have defaulted back to staing that I need to contact the credit bureaus to which I called and supplied all of my letters however due to the time restraints of the situation it was in my best interest to contact CFPB. I can provide all documentation regarding the letters written to me from XXXX XX/XX/XXXX stating the fact that they were in accurately reporting, the copy of the universal dataform and many screenshots of their reporting over the past 4 months. This situation has cost my family and I our home and the opportunity to even purchase a home. We will not be able to ever purchase a home without XXXX XX/XX/XXXXcorrecting the information. As mentioned, I have spent approximately 6 to 8 hours daily to get this corrected. \n\nThe following INACCURATE information is showing on multiple credit reporting agencies : Account open, amount past due of {$19000.00}, joint account now shows individual account responsibility and 76 late payments. \n\nThe account should ACCURATELY reflect the account closed in XXXX, joint responsibility, and no late payments after XXXX. \n\nHowever, at this point, I would like the entire debt to be removed from all three credit bureau 's so that XXXX XX/XX/XXXX has no means of accessing my Social Security number or any of my information in the future due to multiple failed opportunities to accurately and legally handled the situation. They have changed the information they are reporting on a daily bases and I have no faith that any information reported by them will be reported correctly and will not be changed in the future unbeknownst to me.","date_sent_to_company":"2017-08-23T22:41:40.000Z","issue":"Incorrect information on your report","sub_product":"Loan","zip_code":"710XX","tags":null,"has_narrative":true,"complaint_id":"2642879","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-08-23T22:41:37.000Z","state":"LA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["The letter never showed up so I began calling again to which I was told that I would only be able to speak to a different supervisor by the name of XXXX XXXX. XXXX informed me that I would never ever receive a letter from XXXX XX/XX/XXXXstating my account status and he had no record of my call with the previous supervisor or any of the previous failed dispute attempts. The supervisor I spoke to originally ironically did not give me her name."]},"sort":[8.391706,"2642879"]},{"_index":"complaint-public-v1","_id":"10838276","_score":7.6755075,"_source":{"product":"Debt collection","complaint_what_happened":"I have complaint which includes two parts, and each has several \" deceptive practices '' associated with it. \n\nPart I. The first has to do with suing me without providing sufficient evidence ( no document signed by either party was ever presented yet the judge initiated a lawsuit ).\n\nCase SummarXXXX : I submitted this to the state bar of Texas but my lawsuit has still been moved to a pre-trial hearing on XXXX XXXX. \n\nXXXX. A lawsuit was filed on me on XXXX XXXX, XXXX, and I received the paperwork on or around XXXX XXXX. The plaintiff was Portfolio Recovery Associates and the suit was filed in XXXX XXXX XXXX of the Peace XXXX. The judge is named XXXX XXXX. \n\n2.The suit is about the purchase of a laptop from XXXX XXXX, with financing being provided by XXXX. The debt was sold by XXXX to Portfolio Recovery Associates. The paperwork filed included only an invoice which was for an amount far greater than the original purchase price and cited an interest rate of 30 %. There was no copy of a contract included in the paperwork, nor was anything signed by either party included in the paperwork. Based upon this, I have grave concerns that literally anyone could walk into a court, produce a phony invoice, and be granted a lawsuit against me ( or anyone else for that matter ). This lawsuit, XXXX, is based on insufficient evidence ( no signed contract or supporting documentation ). \n\nXXXX. Because of this lawsuit, the door was opened to many attorneys for further actions. And despite the lack of evidence, multiple attorneys ( at least ten ) solicited me via threatening letters. Indeed, had I accepted a deal offered me by XXXX XXXX XXXX, I would have paid close to twice the original purchase price without any essential evidence of wrongdoing ever having been presented because of this attempted intimidation. \n\nXXXX. Allegations : o Coercive Solicitation : Attorneys threatened liens, garnishment, and severe financial consequences to induce me to hire them. \n\no Unreasonable Fees : One attorney demanded {$750.00} and claimed they could \" negotiate '' the case down, without ever having even talked with Portfolio Recovery Associates. Not only did this firm presume my guilt without ever asking me whether I wished to plead innocent, the amount projected would have still resulted in me losing over twice the original amount of the dispute. Most of the money would have been paid to the two lawyers involved, and I suspect collusion, perhaps even based upon previous experience, is possible.\n\no Potential Collusion : The presiding judge granted the lawsuit despite insufficient evidence. I suspect possible collusion between the attorneys and the plaintiff or judge, given the swift approval and subsequent solicitations. I have written my own motion to dismiss I am not a lawyer - but I fear submitting it to this precinct for I do not believe that I can get a fair hearing from this judge given the above.\n\n5. Supporting Evidence : o I submitted copies of 2 threatening solicitation letters.\n\no I also submitted the paperwork I received via the law suit. No signed coument, by either party, was included in the paperwork.\n\n6. Relief Requested : o Investigate the attorneys conduct for potential violations of professional ethics. \no Determine if these attorneys have a history of filing baseless lawsuits or engaging in coercive practices.\n\no Investigate whether these practices, taken together, constitute extortion.\n\nPart II. The actual transaction. \n\na. ) The use of credit in this transaction is absolutely inappropriate for me and should never have occurred. I have purchased several laptops previously through XXXX XXXX and paid them all off, but never once was any transaction accompanied by a credit card. Furthermore, I had enough money in my bank account to purchase this item several times over, without any payments. XXXX provided the financing, and at an egregiously high ( 30 % ) rate according to the legal filing. \n\nIn addition, I do not even own a credit card! I make all of my purchases for my auto, my residence, my insurance, etc. literally everything that I purchase - through my checking account and one debit card. I think I may have one experience in my life with a credit card - a XXXX card which, upon finding a disgustingly high rate of interest I was to be charged, I cut up and destroyed. In sum, I question why this abrupt change in the terms of a transaction was ever appropriate for me. \n\nb. ) Even if there is a contract regarding this transaction, it can not capture all of the conditions present at the time the transaction took place. Again, I will suggest that several deceptive practices were in place. \n\nb1. As mentioned above, having never experienced a credit transaction with this firm, I had no reason to expect that credit was being offered. It was a deceptive practice to offer one under these circumstances.\n\nb2. The explanation at the time of sale was also inadequate and I never had knowledge that a credit transaction was being offered. As I recall, the salesman at XXXX XXXX conducting this transaction offered me a credit card as a perquisite perhaps as a reward to a repeat buyer. In fact, the way I remember it being presented to me was that it was a reward for my continued purchase of laptops at XXXX XXXX and, therefore, could have been applied to any future purchases. Had I known that the transaction in question was to be subject to additional interest charges based upon some credit extension, I would never have agreed to this purchase. \n\nb3. My subsequent behaviors are very consistent with this state of knowledge. I distinctly remember leaving XXXX XXXX that day in XX/XX/XXXX thinking that I had just made a purchase for which monthly payments of about {$35.00} would be assessed. And, as I understood the transaction, interest was to be recovered in that consistent monthly payment. Subsequently, I earnestly made 17 months of {$35.00} payments. I made them for 17 months on time and without fail. \n\nIt may be that at some point in time after the purchase, XXXX may have attempted to contact me. I literally do not know. I had no reason to respond, even if they did attempt to contact me, as I was secure in the knowledge that I was making my {$35.00} per month payments. I did not anticipate any additional charges and would not have been seeking them out. \n\nAfter I had made 17 payments, I attempted to contact XXXX, not to find out about any interest rates, but to find out when the payments would end. My payments totalled {$590.00}, a substantial part of the original purchase price ( think about it - a relatively low end ordinary laptop! ) Though I do not have the exact numbers in front of me, I believe that those XXXX payments constituted most of the initial price. However, I learned then that their interest payments had not only obviated all of my monthly payments but contributed to a rise in my account which made the balance close to the original purchase price. In other words, I had been paying for 17 months, but my balance was close to the original purchase price with which I began. Now, a year and half after that time, the additional interest charges they have tacked on certainly exceed the original purchase price. This seemed ( and still seems ) absolutely absurd to me. Therefore, I stopped payments on this purchase. \n\nb4. The XXXX customer service was terrible and they withheld information about what and how I was being charged from me! After 17 months, when I contacted their customer service department, I asked for access to a website where I could see the individual charges and transactions, but that was denied. They offered to send me, by mail, a copy of this evidence, but I never received it. To this day, I have not seen a detailed record of what they did or how they did it, yet they see fit to bring a lawsuit against me. I also offered to pay off the principal over the phone whatever was remaining of the original purchase price after subtracting my payments- but they refused to consider this as well. At this point, I gave up even trying to discuss this matter with XXXX. \n\nb5. After this contact, XXXX harassed me for two solid months every day dunning me for the payments. This harassment was conducted systematically and deliberately and was manifested as daily text messages on my phone. \n\nb6. Rather than ever addressing the original cause of the problem, XXXX chose to sell this to another firm. In doing so, they absolve themselves from further responsibility, and without ever addressing the original problem. There are mechanisms by which XXXX and XXXX XXXX could collect information from customers interviews, focus groups, customer service reps, etc. However, these two firms are deliberately absolving themselves of any responsibility for correcting errors in the transaction that they committed. They choose to punish rather than listen to customers! By doing so -they forego the opportunity for improvement in this aspect of transaction for a large number of transactions, -they escalate costs for everyone. Those costs not only rise is a non-linear manner, they fall most heavily on me, an individual, rather than on the deep-pocketed firms who have caused this debacle. \n-they also avoid the negative reputation that might result as some heavy-handed tactics ( e.g., the lawsuit and threats of garnishment and liens ) seemed to commence only after they sold the suit.\n\nb7. In retrospect, it also appears to me that these firms were attempting to run up the price of the transaction onto which they attach interest. There was a {$200.00} charge for a one-year XXXX XXXX XXXX XXXX on a new laptop, for which the maintenance contract should not have been necessary ) which was included in the purchase price and subject to the high interest rates as well. \n\nIn sum, I never needed, wanted, requested or even knew of the interest that was to be charted on this purchase. I left XXXX XXXX thinking that my monthly payments of {$35.00} included an interest rate, not that I would be subject to additional payments into which enormous interest rates were incorporated. \n\nFinally, I believe that it is also ridiculous that the firm Portfolio Recovery is asking to be compensated for any additional charges here. Had this transaction been handled properly up front by XXXX and XXXX XXXX, there would be no additional costs. That XXXX and XXXX XXXX are not incurring them is even more evidence that they are avoiding the responsibility that inheres in legitimate business transactions, and I can see no reason for any additional costs to be paid by me. \n\nI am not guilty of whatever charges are being brought against me, and I should not be charged anything further by these firms. I would also like to remind the CFBP that it takes time and effort to formulate my own defense and to communicate it, and this case has caused me emotional distress as well. \n\nXXXX XXXX XXXXXXXX XXXX","date_sent_to_company":"2024-11-19T19:32:43.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"75039","tags":"Older American","has_narrative":true,"complaint_id":"10838276","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2024-11-19T18:56:15.000Z","state":"TX","company_public_response":null,"sub_issue":"Sued you in a state where you do not live or did not sign for the debt"},"highlight":{"complaint_what_happened":["After this contact, XXXX harassed me for two solid months every day dunning me for the payments. This harassment was conducted systematically and deliberately and was manifested as daily text messages on my phone. \n\nb6. Rather than ever addressing the original cause of the problem, XXXX chose to sell this to another firm. In doing so, they absolve themselves from further responsibility, and without ever addressing the original problem."]},"sort":[7.6755075,"10838276"]},{"_index":"complaint-public-v1","_id":"10836835","_score":7.6755075,"_source":{"product":"Debt collection","complaint_what_happened":"I have complaint which includes two parts, and each has several \" deceptive practices '' associated with it. \n\nPart I. The first has to do with suing me without providing sufficient evidence ( no document signed by either party was ever presented yet the judge initiated a lawsuit ).\n\nCase Summary : I submitted this to the state bar of Texas but my lawsuit has still been moved to a pre-trial hearing on XXXX XXXX. \n\nXXXX. A lawsuit was filed on me on XXXX XXXX, XXXX, and I received the paperwork on or around XXXX XXXX. The plaintiff was XXXX XXXX XXXX and the suit was filed in XXXX XXXX XXXX of the Peace XXXX. The judge is named XXXX XXXX. \n\nXXXX suit is about the purchase of a laptop from Best Buy, with financing being provided by Citibank. The debt was sold by Citibank to XXXX XXXX XXXX. The paperwork filed included only an invoice which was for an amount far greater than the original purchase price and cited an interest rate of 30 %. There was no copy of a contract included in the paperwork, nor was anything signed by either party included in the paperwork. Based upon this, I have grave concerns that literally anyone could walk into a court, produce a phony invoice, and be granted a lawsuit against me ( or anyone else for that matter ). This lawsuit, XXXX, is based on insufficient evidence ( no signed contract or supporting documentation ). \n\nXXXX. Because of this lawsuit, the door was opened to many attorneys for further actions. And despite the lack of evidence, multiple attorneys ( at least ten ) solicited me via threatening letters. Indeed, had I accepted a deal offered me by XXXX XXXX XXXX, I would have paid close to twice the original purchase price without any essential evidence of wrongdoing ever having been presented because of this attempted intimidation. \n\nXXXX. Allegations : o Coercive Solicitation : Attorneys threatened liens, garnishment, and severe financial consequences to induce me to hire them. \n\no Unreasonable Fees : One attorney demanded {$750.00} and claimed they could \" negotiate '' the case down, without ever having even talked with XXXX XXXX XXXX. Not only did this firm presume my guilt without ever asking me whether I wished to plead innocent, the amount projected would have still resulted in me losing over twice the original amount of the dispute. Most of the money would have been paid to the two lawyers involved, and I suspect collusion, perhaps even based upon previous experience, is possible. \n\no Potential Collusion : The presiding judge granted the lawsuit despite insufficient evidence. I suspect possible collusion between the attorneys and the plaintiff or judge, given the swift approval and subsequent solicitations. I have written my own motion to dismiss I am not a lawyer - but I fear submitting it to this precinct for I do not believe that I can get a fair hearing from this judge given the above. \n\n5. Supporting Evidence : o I submitted copies of 2 threatening solicitation letters.\n\no I also submitted the paperwork I received via the law suit. No signed coument, by either party, was included in the paperwork.\n\n6. Relief Requested : o Investigate the attorneys conduct for potential violations of professional ethics.\n\no Determine if these attorneys have a history of filing baseless lawsuits or engaging in coercive practices. \no Investigate whether these practices, taken together, constitute extortion.\n\nPart II. The actual transaction.\n\na. ) The use of credit in this transaction is absolutely inappropriate for me and should never have occurred. I have purchased several laptops previously through Best Buy and paid them all off, but never once was any transaction accompanied by a credit card. Furthermore, I had enough money in my bank account to purchase this item several times over, without any payments. Citibank provided the financing, and at an egregiously high ( 30 % ) rate according to the legal filing. \n\nIn addition, I do not even own a credit card! I make all of my purchases for my auto, my residence, my insurance, etc. literally everything that I purchase - through my checking account and one debit card. I think I may have one experience in my life with a credit card - a Macys card which, upon finding a disgustingly high rate of interest I was to be charged, I cut up and destroyed. In sum, I question why this abrupt change in the terms of a transaction was ever appropriate for me. \n\nb. ) Even if there is a contract regarding this transaction, it can not capture all of the conditions present at the time the transaction took place. Again, I will suggest that several deceptive practices were in place. \n\nb1. As mentioned above, having never experienced a credit transaction with this firm, I had no reason to expect that credit was being offered. It was a deceptive practice to offer one under these circumstances.\n\nb2. The explanation at the time of sale was also inadequate and I never had knowledge that a credit transaction was being offered. As I recall, the salesman at Best Buy conducting this transaction offered me a credit card as a perquisite perhaps as a reward to a repeat buyer. In fact, the way I remember it being presented to me was that it was a reward for my continued purchase of laptops at Best Buy and, therefore, could have been applied to any future purchases. Had I known that the transaction in question was to be subject to additional interest charges based upon some credit extension, I would never have agreed to this purchase. \n\nb3. My subsequent behaviors are very consistent with this state of knowledge. I distinctly remember leaving Best But that day in XX/XX/XXXX thinking that I had just made a purchase for which monthly payments of about {$35.00} would be assessed. And, as I understood the transaction, interest was to be recovered in that consistent monthly payment. Subsequently, I earnestly made 17 months of {$35.00} payments. I made them for 17 months on time and without fail. \n\nIt may be that at some point in time after the purchase, Citibank may have attempted to contact me. I literally do not know. I had no reason to respond, even if they did attempt to contact me, as I was secure in the knowledge that I was making my {$35.00} per month payments. I did not anticipate any additional charges and would not have been seeking them out. \n\nAfter I had made 17 payments, I attempted to contact Citibank, not to find out about any interest rates, but to find out when the payments would end. My payments totalled {$590.00}, a substantial part of the original purchase price ( think about it - a relatively low end ordinary laptop! ) Though I do not have the exact numbers in front of me, I believe that those 17 payments constituted most of the initial price. However, I learned then that their interest payments had not only obviated all of my monthly payments but contributed to a rise in my account which made the balance close to the original purchase price. In other words, I had been paying for 17 months, but my balance was close to the original purchase price with which I began. Now, a year and half after that time, the additional interest charges they have tacked on certainly exceed the original purchase price. This seemed ( and still seems ) absolutely absurd to me. Therefore, I stopped payments on this purchase. \n\nb4. The Citibank customer service was terrible and they withheld information about what and how I was being charged from me! After 17 months, when I contacted their customer service department, I asked for access to a website where I could see the individual charges and transactions, but that was denied. They offered to send me, by mail, a copy of this evidence, but I never received it. To this day, I have not seen a detailed record of what they did or how they did it, yet they see fit to bring a lawsuit against me. I also offered to pay off the principal over the phone whatever was remaining of the original purchase price after subtracting my payments- but they refused to consider this as well. At this point, I gave up even trying to discuss this matter with Citibank. \n\nb5. After this contact, Citibank harassed me for two solid months every day dunning me for the payments. This harassment was conducted systematically and deliberately and was manifested as daily text messages on my phone.\n\nb6. Rather than ever addressing the original cause of the problem, Citibank chose to sell this to another firm. In doing so, they absolve themselves from further responsibility, and without ever addressing the original problem. There are mechanisms by which Citibank and Best Buy could collect information from customers interviews, focus groups, customer service reps, etc. However, these two firms are deliberately absolving themselves of any responsibility for correcting errors in the transaction that they committed. They choose to punish rather than listen to customers! By doing so -they forego the opportunity for improvement in this aspect of transaction for a large number of transactions, -they escalate costs for everyone. Those costs not only rise is a non-linear manner, they fall most heavily on me, an individual, rather than on the deep-pocketed firms who have caused this debacle. \n-they also avoid the negative reputation that might result as some heavy-handed tactics ( e.g., the lawsuit and threats of garnishment and liens ) seemed to commence only after they sold the suit. \n\nb7. In retrospect, it also appears to me that these firms were attempting to run up the price of the transaction onto which they attach interest. There was a {$200.00} charge for a one-year XXXX XXXX XXXX XXXX on a new laptop, for which the maintenance contract should not have been necessary ) which was included in the purchase price and subject to the high interest rates as well. \n\nIn sum, I never needed, wanted, requested or even knew of the interest that was to be charted on this purchase. I left Best Buy thinking that my monthly payments of {$35.00} included an interest rate, not that I would be subject to additional payments into which enormous interest rates were incorporated. \n\nFinally, I believe that it is also ridiculous that the firm XXXX XXXX is asking to be compensated for any additional charges here. Had this transaction been handled properly up front by Citibank and Best Buy, there would be no additional costs. That Citibank and Best Buy are not incurring them is even more evidence that they are avoiding the responsibility that inheres in legitimate business transactions, and I can see no reason for any additional costs to be paid by me. \n\nI am not guilty of whatever charges are being brought against me, and I should not be charged anything further by these firms. I would also like to remind the CFBP that it takes time and effort to formulate my own defense and to communicate it, and this case has caused me emotional distress as well. \n\nXXXX XXXX XXXXXXXX XXXX","date_sent_to_company":"2024-11-19T19:32:57.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"75039","tags":"Older American","has_narrative":true,"complaint_id":"10836835","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-11-19T19:32:55.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Sued you in a state where you do not live or did not sign for the debt"},"highlight":{"complaint_what_happened":["After this contact, Citibank harassed me for two solid months every day dunning me for the payments. This harassment was conducted systematically and deliberately and was manifested as daily text messages on my phone.\n\nb6. Rather than ever addressing the original cause of the problem, Citibank chose to sell this to another firm. In doing so, they absolve themselves from further responsibility, and without ever addressing the original problem."]},"sort":[7.6755075,"10836835"]},{"_index":"complaint-public-v1","_id":"17299757","_score":7.506941,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Over the last several years, multiple accounts have been reported on my credit file in a manner that I believe contains inaccuracies, incomplete information, or procedural errors. I am submitting this narrative to describe the full sequence of events, including dates, actions taken, disputes filed, communications attempted, and reasons why I am requesting intervention and review. This account of what happened reflects the information available to me through my credit reports, my payment history, and my attempts to resolve or correct the reporting issues with the companies involved. \n\nThe primary accounts involved are two XXXX XXXX charge-off files, an XXXX account that appears under Experian only, a XXXX XXXX XXXX account, and multiple Department of Education student loan tradelines that were previously in good standing but later reported with extensive late payments. My intention is to explain how each situation unfolded, what steps I took to resolve or verify the information, and why I believe the current reporting may not accurately reflect the actual history of the accounts. \n\nXXXX XXXX Charge-Off Accounts ( Two Separate Accounts ) There are two XXXX XXXXXXXX XXXX XXXX accounts being reported as charge-offs or collections. Both list multiple late payments leading up to charge-off status, and both show closing dates around XX/XX/year>. The first account reports roughly XXXX XXXX dollars past due, while the second reports a past-due balance of over XXXX XXXX dollars. Both show a pattern of 30-day, 60-day, and 90-day late payments.\n\nThe problem is that I do not have clear records regarding the timeframe when these accounts allegedly became delinquent. I attempted several times to determine whether these accounts were valid, whether they belonged to me, or whether the balances were correctly calculated. When I first saw the late payments appearing on my credit report, I contacted XXXX XXXX to ask for billing statements, original account documentation, and clarification about when the late payments supposedly started. In those interactions, I was not provided statements or documents that clearly identified the timeline of delinquency. \n\nWhen I attempted to dispute these entries through the credit bureaus, the results of the disputes came back as verified, but no details were provided about the method of verification used. I could not obtain a clear explanation as to whether the account information was reviewed manually by XXXX XXXX, verified electronically through automated systems, or relayed through a third-party agency. I also did not receive copies of any documents XXXX XXXX may have used to justify the reporting. As a result, I have been left without the ability to understand how the company concluded the accounts were delinquent, or how the balances reached the levels reported in the charge-off entries. \n\nI also attempted to contact XXXX XXXX during the period these accounts were allegedly open in order to address any outstanding amounts, but I was not able to access or view current statements. The company did not provide detailed breakdowns of charges, payments, or fees. Because of this, I was not able to resolve the accounts proactively or verify that the amounts being reported were accurate. \n\nGiven that both accounts appear to have similar closing dates, similar patterns of late payment coding, and similar verification outcomes during disputes, I am concerned that automated reporting systems may have been used without full investigation. The unresolved questions include whether the accounts were validated with original creditor documentation, whether the delinquency dates were calculated accurately, whether the amounts are correct, and whether procedural errors occurred during updates and reporting. \n\nXXXX XXXX XXXX Account The XXXX account in question appears only on the Experian credit report. This account shows a delinquency history leading to derogatory status, including 30-day, 60-day, and 90-day late payments. The reported charge-off occurred in XXXX with more than XXXX XXXX dollars past due. \n\nThe difficulty in addressing this XXXX account is that I do not recall receiving consistent statements, billing notices, or payment reminders during the time period in which the late payments allegedly occurred. When the account was first reported as derogatory, I attempted to obtain documentation from XXXX, including transaction history, billing dates, original loan or installment agreement information, and payment records. I did not receive detailed documentation explaining how the past-due amount was calculated or how the delinquency timeline developed. \n\nI also filed a dispute regarding this account with Experian. The result was that the account was verified, but, again, no explanation was provided about the verification method used, what documents were reviewed, or what internal procedures were followed to determine that the account was being reported accurately. I was not provided with statements, screenshots, or any form of documentation from XXXX that could help me understand the origin of the charges or validate the accuracy of the reporting. \n\nAdditionally, because XXXX operates primarily through digital invoices and app-based payment systems, there may have been email delivery issues, login issues, or missed notifications. Without being given clear documentation, I can not confirm whether I received all required notices, whether there were errors in the billing cycle, or whether the amount due is correct. These uncertainties make it difficult for me to verify the account accurately or understand how the derogatory status developed. \n\nXXXX XXXX XXXX Account The XXXX XXXX collection account lists a past-due amount of XXXX XXXXXXXX XXXX dollars and is marked as derogatory. I attempted to determine the origin of this debt and contact XXXX XXXX, but I was unable to obtain full validation or documentation from the collection agency. I did not receive a detailed statement, original creditor information, or written verification of the debt within a reasonable timeframe. \n\nWhen I disputed the account with the credit bureaus, the account again returned as verified, but no documentation or explanation was provided to me. I could not determine whether the debt was assigned or purchased, whether the original creditor still maintains ownership, or whether XXXX XXXX is legally authorized to collect on the debt. Without knowing the chain of custody or the source of the information, I am unable to confirm whether the account is valid. \n\nAdditionally, the small balance of the debt raises questions, as I do not recall being notified by any creditor of an outstanding amount in that range. I also did not receive notices regarding the account being sent to collections, nor did I receive itemized statements or breakdowns of the charges. Because of this, I can not confirm whether the debt belongs to me, whether the amount is correct, or whether the reporting is accurate. \n\nStudent Loan Late Payment Reporting Multiple federal student loan accounts through the Department of Education are reporting extensive 90-day late payment histories, even though those loans have since been closed or transferred. The late payments appear to be from periods where loan servicer transitions or administrative changes may have occurred.\n\nDuring the period in which the late payments are being reported, there were changes in student loan servicing nationwide, including account transfers, forbearance periods, pandemic-related administrative adjustments, and shifting payment requirements. In my case, there were times when I completed applications for forbearance or deferment, and I believed the loans were under an administrative pause. In some cases, I did not receive timely notices from the servicer notifying me that a payment was due. \n\nWhen I reviewed my credit report and saw multiple 90 days late designations for several consecutive months on multiple loan accounts, I began attempting to resolve the issue. I contacted the loan servicer to request payment histories, notice records, and documentation showing whether bills were sent or whether payments were due during the months in question. I was not provided complete or clear documentation indicating whether the loans were in an active repayment phase, in a transferred status, or under some other administrative category during the months coded as late. \n\nI disputed the student loan late payments with the credit bureaus. The bureaus indicated that the accounts were verified, but no explanation was provided about what records were reviewed. Given the known issues during servicer transitions, I am unsure whether the servicers reporting was accurate or whether there may have been a system error, miscommunication, or reporting delay. \n\nActions I Have Taken Across all accounts, I have consistently attempted to obtain validation, statements, documentation, or clear communication from the companies involved. My actions include : Filing multiple disputes with all three credit bureaus.\n\nRequesting validation or verification of debts directly from creditors or collectors.\n\nAttempting to obtain original statements, billing notices, or transactional proof.\n\nRequesting explanation of reporting timelines and delinquency calculations.\n\nReviewing credit reports from each bureau to compare inconsistencies.\n\nAttempting to resolve or verify unresolved account histories.\n\nContacting servicers regarding student loan reporting issues.\n\nDespite these efforts, I have not received detailed information, documentation, billing statements, or clarification that would allow me to confirm that the reported entries are accurate.\n\nWhy I Believe the Reporting Is Inaccurate or Incomplete There are several reasons why I believe the information may not be accurate : Inability to obtain documentation from furnishers despite repeated attempts.\n\nLack of itemized statements clearly showing how balances were calculated.\n\nDisputes marked verified without any explanation of how verification occurred.\n\nPossible automated verification processes without manual review. \n\nLack of original creditor information in the XXXX XXXX account. \n\nPotential system errors or miscommunication during student loan transitions. \n\nInconsistent reporting between bureaus, such as the XXXX account appearing only on Experian. \n\nDifficulty determining whether accounts were assigned, sold, or transferred. \n\nBecause of these factors, I can not independently confirm the accuracy of the negative information. \n\nWhat I Am Requesting Through This Complaint Through this complaint, I am requesting that the CFPB help facilitate a more thorough review or reinvestigation of these accounts. I am asking that the companies involved provide : Clear documentation showing the basis for the reporting. \n\nCopies of billing statements, transaction history, and delinquency calculations. \n\nProof of assignment or authority to collect debts where applicable. \n\nExplanation of how verification was completed during my disputes. \n\nCorrection or removal of any information that can not be substantiated. \n\nMy goal is not to avoid legitimate debts, but to ensure that the information being reported is accurate, complete, and supported by real documentation.","date_sent_to_company":"2025-11-17T19:13:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32810","tags":null,"has_narrative":true,"complaint_id":"17299757","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-11-17T19:13:04.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Given that both accounts appear to have similar closing dates, similar patterns of late payment coding, and similar verification outcomes during disputes, I am concerned that automated reporting systems may have been used without full investigation."]},"sort":[7.506941,"17299757"]},{"_index":"complaint-public-v1","_id":"17299756","_score":7.506941,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Over the last several years, multiple accounts have been reported on my credit file in a manner that I believe contains inaccuracies, incomplete information, or procedural errors. I am submitting this narrative to describe the full sequence of events, including dates, actions taken, disputes filed, communications attempted, and reasons why I am requesting intervention and review. This account of what happened reflects the information available to me through my credit reports, my payment history, and my attempts to resolve or correct the reporting issues with the companies involved. \n\nThe primary accounts involved are two XXXX XXXX charge-off files, an XXXX account that appears under Experian only, a XXXX XXXX XXXX account, and multiple Department of Education student loan tradelines that were previously in good standing but later reported with extensive late payments. My intention is to explain how each situation unfolded, what steps I took to resolve or verify the information, and why I believe the current reporting may not accurately reflect the actual history of the accounts. \n\nXXXX XXXX Charge-Off Accounts ( Two Separate Accounts ) There are two XXXX XXXXXXXX XXXX XXXX accounts being reported as charge-offs or collections. Both list multiple late payments leading up to charge-off status, and both show closing dates around XX/XX/year>. The first account reports roughly XXXX XXXX dollars past due, while the second reports a past-due balance of over XXXX XXXX dollars. Both show a pattern of 30-day, 60-day, and 90-day late payments.\n\nThe problem is that I do not have clear records regarding the timeframe when these accounts allegedly became delinquent. I attempted several times to determine whether these accounts were valid, whether they belonged to me, or whether the balances were correctly calculated. When I first saw the late payments appearing on my credit report, I contacted XXXX XXXX to ask for billing statements, original account documentation, and clarification about when the late payments supposedly started. In those interactions, I was not provided statements or documents that clearly identified the timeline of delinquency. \n\nWhen I attempted to dispute these entries through the credit bureaus, the results of the disputes came back as verified, but no details were provided about the method of verification used. I could not obtain a clear explanation as to whether the account information was reviewed manually by XXXX XXXX, verified electronically through automated systems, or relayed through a third-party agency. I also did not receive copies of any documents XXXX XXXX may have used to justify the reporting. As a result, I have been left without the ability to understand how the company concluded the accounts were delinquent, or how the balances reached the levels reported in the charge-off entries. \n\nI also attempted to contact XXXX XXXX during the period these accounts were allegedly open in order to address any outstanding amounts, but I was not able to access or view current statements. The company did not provide detailed breakdowns of charges, payments, or fees. Because of this, I was not able to resolve the accounts proactively or verify that the amounts being reported were accurate. \n\nGiven that both accounts appear to have similar closing dates, similar patterns of late payment coding, and similar verification outcomes during disputes, I am concerned that automated reporting systems may have been used without full investigation. The unresolved questions include whether the accounts were validated with original creditor documentation, whether the delinquency dates were calculated accurately, whether the amounts are correct, and whether procedural errors occurred during updates and reporting. \n\nXXXX XXXX XXXX Account The XXXX account in question appears only on the Experian credit report. This account shows a delinquency history leading to derogatory status, including 30-day, 60-day, and 90-day late payments. The reported charge-off occurred in XXXX with more than XXXX XXXX dollars past due. \n\nThe difficulty in addressing this XXXX account is that I do not recall receiving consistent statements, billing notices, or payment reminders during the time period in which the late payments allegedly occurred. When the account was first reported as derogatory, I attempted to obtain documentation from XXXX, including transaction history, billing dates, original loan or installment agreement information, and payment records. I did not receive detailed documentation explaining how the past-due amount was calculated or how the delinquency timeline developed. \n\nI also filed a dispute regarding this account with Experian. The result was that the account was verified, but, again, no explanation was provided about the verification method used, what documents were reviewed, or what internal procedures were followed to determine that the account was being reported accurately. I was not provided with statements, screenshots, or any form of documentation from XXXX that could help me understand the origin of the charges or validate the accuracy of the reporting. \n\nAdditionally, because XXXX operates primarily through digital invoices and app-based payment systems, there may have been email delivery issues, login issues, or missed notifications. Without being given clear documentation, I can not confirm whether I received all required notices, whether there were errors in the billing cycle, or whether the amount due is correct. These uncertainties make it difficult for me to verify the account accurately or understand how the derogatory status developed. \n\nXXXX XXXX XXXX Account The XXXX XXXX collection account lists a past-due amount of XXXX XXXXXXXX XXXX dollars and is marked as derogatory. I attempted to determine the origin of this debt and contact XXXX XXXX, but I was unable to obtain full validation or documentation from the collection agency. I did not receive a detailed statement, original creditor information, or written verification of the debt within a reasonable timeframe. \n\nWhen I disputed the account with the credit bureaus, the account again returned as verified, but no documentation or explanation was provided to me. I could not determine whether the debt was assigned or purchased, whether the original creditor still maintains ownership, or whether XXXX XXXX is legally authorized to collect on the debt. Without knowing the chain of custody or the source of the information, I am unable to confirm whether the account is valid. \n\nAdditionally, the small balance of the debt raises questions, as I do not recall being notified by any creditor of an outstanding amount in that range. I also did not receive notices regarding the account being sent to collections, nor did I receive itemized statements or breakdowns of the charges. Because of this, I can not confirm whether the debt belongs to me, whether the amount is correct, or whether the reporting is accurate. \n\nStudent Loan Late Payment Reporting Multiple federal student loan accounts through the Department of Education are reporting extensive 90-day late payment histories, even though those loans have since been closed or transferred. The late payments appear to be from periods where loan servicer transitions or administrative changes may have occurred.\n\nDuring the period in which the late payments are being reported, there were changes in student loan servicing nationwide, including account transfers, forbearance periods, pandemic-related administrative adjustments, and shifting payment requirements. In my case, there were times when I completed applications for forbearance or deferment, and I believed the loans were under an administrative pause. In some cases, I did not receive timely notices from the servicer notifying me that a payment was due. \n\nWhen I reviewed my credit report and saw multiple 90 days late designations for several consecutive months on multiple loan accounts, I began attempting to resolve the issue. I contacted the loan servicer to request payment histories, notice records, and documentation showing whether bills were sent or whether payments were due during the months in question. I was not provided complete or clear documentation indicating whether the loans were in an active repayment phase, in a transferred status, or under some other administrative category during the months coded as late. \n\nI disputed the student loan late payments with the credit bureaus. The bureaus indicated that the accounts were verified, but no explanation was provided about what records were reviewed. Given the known issues during servicer transitions, I am unsure whether the servicers reporting was accurate or whether there may have been a system error, miscommunication, or reporting delay. \n\nActions I Have Taken Across all accounts, I have consistently attempted to obtain validation, statements, documentation, or clear communication from the companies involved. My actions include : Filing multiple disputes with all three credit bureaus.\n\nRequesting validation or verification of debts directly from creditors or collectors.\n\nAttempting to obtain original statements, billing notices, or transactional proof.\n\nRequesting explanation of reporting timelines and delinquency calculations.\n\nReviewing credit reports from each bureau to compare inconsistencies.\n\nAttempting to resolve or verify unresolved account histories.\n\nContacting servicers regarding student loan reporting issues.\n\nDespite these efforts, I have not received detailed information, documentation, billing statements, or clarification that would allow me to confirm that the reported entries are accurate.\n\nWhy I Believe the Reporting Is Inaccurate or Incomplete There are several reasons why I believe the information may not be accurate : Inability to obtain documentation from furnishers despite repeated attempts.\n\nLack of itemized statements clearly showing how balances were calculated.\n\nDisputes marked verified without any explanation of how verification occurred.\n\nPossible automated verification processes without manual review. \n\nLack of original creditor information in the XXXX XXXX account. \n\nPotential system errors or miscommunication during student loan transitions. \n\nInconsistent reporting between bureaus, such as the XXXX account appearing only on Experian. \n\nDifficulty determining whether accounts were assigned, sold, or transferred. \n\nBecause of these factors, I can not independently confirm the accuracy of the negative information. \n\nWhat I Am Requesting Through This Complaint Through this complaint, I am requesting that the CFPB help facilitate a more thorough review or reinvestigation of these accounts. I am asking that the companies involved provide : Clear documentation showing the basis for the reporting. \n\nCopies of billing statements, transaction history, and delinquency calculations. \n\nProof of assignment or authority to collect debts where applicable. \n\nExplanation of how verification was completed during my disputes. \n\nCorrection or removal of any information that can not be substantiated. \n\nMy goal is not to avoid legitimate debts, but to ensure that the information being reported is accurate, complete, and supported by real documentation.","date_sent_to_company":"2025-11-17T19:13:34.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32810","tags":null,"has_narrative":true,"complaint_id":"17299756","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-17T19:13:04.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Given that both accounts appear to have similar closing dates, similar patterns of late payment coding, and similar verification outcomes during disputes, I am concerned that automated reporting systems may have been used without full investigation."]},"sort":[7.506941,"17299756"]},{"_index":"complaint-public-v1","_id":"17300393","_score":7.4944496,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Over the last several years, multiple accounts have been reported on my credit file in a manner that I believe contains inaccuracies, incomplete information, or procedural errors. I am submitting this narrative to describe the full sequence of events, including dates, actions taken, disputes filed, communications attempted, and reasons why I am requesting intervention and review. This account of what happened reflects the information available to me through my credit reports, my payment history, and my attempts to resolve or correct the reporting issues with the companies involved. \n\nThe primary accounts involved are two XXXX XXXX charge-off files, an XXXX account that appears under Experian only, a XXXX XXXX XXXX account, and multiple Department of Education student loan tradelines that were previously in good standing but later reported with extensive late payments. My intention is to explain how each situation unfolded, what steps I took to resolve or verify the information, and why I believe the current reporting may not accurately reflect the actual history of the accounts. \n\nXXXX XXXX Charge-Off Accounts ( Two Separate Accounts ) There are two XXXX XXXXXXXX XXXX XXXX accounts being reported as charge-offs or collections. Both list multiple late payments leading up to charge-off status, and both show closing dates around XX/XX/year>. The first account reports roughly XXXX XXXX dollars past due, while the second reports a past-due balance of over XXXX XXXX dollars. Both show a pattern of 30-day, 60-day, and 90-day late payments.\n\nThe problem is that I do not have clear records regarding the timeframe when these accounts allegedly became delinquent. I attempted several times to determine whether these accounts were valid, whether they belonged to me, or whether the balances were correctly calculated. When I first saw the late payments appearing on my credit report, I contacted XXXX XXXX to ask for billing statements, original account documentation, and clarification about when the late payments supposedly started. In those interactions, I was not provided statements or documents that clearly identified the timeline of delinquency. \n\nWhen I attempted to dispute these entries through the credit bureaus, the results of the disputes came back as verified, but no details were provided about the method of verification used. I could not obtain a clear explanation as to whether the account information was reviewed manually by XXXX XXXX, verified electronically through automated systems, or relayed through a third-party agency. I also did not receive copies of any documents XXXX XXXX may have used to justify the reporting. As a result, I have been left without the ability to understand how the company concluded the accounts were delinquent, or how the balances reached the levels reported in the charge-off entries. \n\nI also attempted to contact XXXX XXXX during the period these accounts were allegedly open in order to address any outstanding amounts, but I was not able to access or view current statements. The company did not provide detailed breakdowns of charges, payments, or fees. Because of this, I was not able to resolve the accounts proactively or verify that the amounts being reported were accurate. \n\nGiven that both accounts appear to have similar closing dates, similar patterns of late payment coding, and similar verification outcomes during disputes, I am concerned that automated reporting systems may have been used without full investigation. The unresolved questions include whether the accounts were validated with original creditor documentation, whether the delinquency dates were calculated accurately, whether the amounts are correct, and whether procedural errors occurred during updates and reporting. \n\nXXXX XXXX XXXX Account The XXXX account in question appears only on the Experian credit report. This account shows a delinquency history leading to derogatory status, including 30-day, 60-day, and 90-day late payments. The reported charge-off occurred in XXXX with more than XXXX XXXX dollars past due. \n\nThe difficulty in addressing this XXXX account is that I do not recall receiving consistent statements, billing notices, or payment reminders during the time period in which the late payments allegedly occurred. When the account was first reported as derogatory, I attempted to obtain documentation from XXXX, including transaction history, billing dates, original loan or installment agreement information, and payment records. I did not receive detailed documentation explaining how the past-due amount was calculated or how the delinquency timeline developed. \n\nI also filed a dispute regarding this account with Experian. The result was that the account was verified, but, again, no explanation was provided about the verification method used, what documents were reviewed, or what internal procedures were followed to determine that the account was being reported accurately. I was not provided with statements, screenshots, or any form of documentation from XXXX that could help me understand the origin of the charges or validate the accuracy of the reporting. \n\nAdditionally, because XXXX operates primarily through digital invoices and app-based payment systems, there may have been email delivery issues, login issues, or missed notifications. Without being given clear documentation, I can not confirm whether I received all required notices, whether there were errors in the billing cycle, or whether the amount due is correct. These uncertainties make it difficult for me to verify the account accurately or understand how the derogatory status developed. \n\nXXXX XXXX XXXX Account The XXXX XXXX collection account lists a past-due amount of XXXX XXXXXXXX XXXX dollars and is marked as derogatory. I attempted to determine the origin of this debt and contact XXXX XXXX, but I was unable to obtain full validation or documentation from the collection agency. I did not receive a detailed statement, original creditor information, or written verification of the debt within a reasonable timeframe. \n\nWhen I disputed the account with the credit bureaus, the account again returned as verified, but no documentation or explanation was provided to me. I could not determine whether the debt was assigned or purchased, whether the original creditor still maintains ownership, or whether XXXX XXXX is legally authorized to collect on the debt. Without knowing the chain of custody or the source of the information, I am unable to confirm whether the account is valid. \n\nAdditionally, the small balance of the debt raises questions, as I do not recall being notified by any creditor of an outstanding amount in that range. I also did not receive notices regarding the account being sent to collections, nor did I receive itemized statements or breakdowns of the charges. Because of this, I can not confirm whether the debt belongs to me, whether the amount is correct, or whether the reporting is accurate. \n\nStudent Loan Late Payment Reporting Multiple federal student loan accounts through the Department of Education are reporting extensive 90-day late payment histories, even though those loans have since been closed or transferred. The late payments appear to be from periods where loan servicer transitions or administrative changes may have occurred.\n\nDuring the period in which the late payments are being reported, there were changes in student loan servicing nationwide, including account transfers, forbearance periods, pandemic-related administrative adjustments, and shifting payment requirements. In my case, there were times when I completed applications for forbearance or deferment, and I believed the loans were under an administrative pause. In some cases, I did not receive timely notices from the servicer notifying me that a payment was due. \n\nWhen I reviewed my credit report and saw multiple 90 days late designations for several consecutive months on multiple loan accounts, I began attempting to resolve the issue. I contacted the loan servicer to request payment histories, notice records, and documentation showing whether bills were sent or whether payments were due during the months in question. I was not provided complete or clear documentation indicating whether the loans were in an active repayment phase, in a transferred status, or under some other administrative category during the months coded as late. \n\nI disputed the student loan late payments with the credit bureaus. The bureaus indicated that the accounts were verified, but no explanation was provided about what records were reviewed. Given the known issues during servicer transitions, I am unsure whether the servicers reporting was accurate or whether there may have been a system error, miscommunication, or reporting delay. \n\nActions I Have Taken Across all accounts, I have consistently attempted to obtain validation, statements, documentation, or clear communication from the companies involved. My actions include : Filing multiple disputes with all three credit bureaus.\n\nRequesting validation or verification of debts directly from creditors or collectors.\n\nAttempting to obtain original statements, billing notices, or transactional proof.\n\nRequesting explanation of reporting timelines and delinquency calculations.\n\nReviewing credit reports from each bureau to compare inconsistencies.\n\nAttempting to resolve or verify unresolved account histories.\n\nContacting servicers regarding student loan reporting issues.\n\nDespite these efforts, I have not received detailed information, documentation, billing statements, or clarification that would allow me to confirm that the reported entries are accurate.\n\nWhy I Believe the Reporting Is Inaccurate or Incomplete There are several reasons why I believe the information may not be accurate : Inability to obtain documentation from furnishers despite repeated attempts.\n\nLack of itemized statements clearly showing how balances were calculated.\n\nDisputes marked verified without any explanation of how verification occurred.\n\nPossible automated verification processes without manual review. \n\nLack of original creditor information in the XXXX XXXX account. \n\nPotential system errors or miscommunication during student loan transitions. \n\nInconsistent reporting between bureaus, such as the XXXX account appearing only on Experian. \n\nDifficulty determining whether accounts were assigned, sold, or transferred. \n\nBecause of these factors, I can not independently confirm the accuracy of the negative information. \n\nWhat I Am Requesting Through This Complaint Through this complaint, I am requesting that the CFPB help facilitate a more thorough review or reinvestigation of these accounts. I am asking that the companies involved provide : Clear documentation showing the basis for the reporting. \n\nCopies of billing statements, transaction history, and delinquency calculations. \n\nProof of assignment or authority to collect debts where applicable. \n\nExplanation of how verification was completed during my disputes. \n\nCorrection or removal of any information that can not be substantiated. \n\nMy goal is not to avoid legitimate debts, but to ensure that the information being reported is accurate, complete, and supported by real documentation.","date_sent_to_company":"2025-11-17T19:13:34.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32810","tags":null,"has_narrative":true,"complaint_id":"17300393","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-17T18:58:39.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Given that both accounts appear to have similar closing dates, similar patterns of late payment coding, and similar verification outcomes during disputes, I am concerned that automated reporting systems may have been used without full investigation."]},"sort":[7.4944496,"17300393"]},{"_index":"complaint-public-v1","_id":"3193403","_score":7.4556317,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I opened a credit card with Chase and was approved for their Amazon credit card in XXXX for the purposes of utilizing the rewards for purchases on the Amazon.com website. I frequently purchase items on Amazon and was attracted to this card for the 5 % rewards that were offered. I used the card VERY sparingly and was only buying amazon items and then sending in a payment to pay those items off. After receiving this card, I discovered that my now ex girlfriend had been stealing the card out of my wallet and making purchases without my knowledge and then returning the card to my wallet so it was not missing. At no time was she ever given permission to access my card nor was she ever an authorized user. She was simply my girlfriend at the time and we shared a residence. Our agreement was to pay the bills and split them evenly. She took care of the finances in our house, so she would tell me how much money to pay her each money to cover these expenses. After several months, I noticed that my credit cards, once being Chase, had numerous unauthorized charges and were items such as our power bill, cable billl, water bill, her cell phone, her car insurance and many many other items that were not authorized by myself. When confronted, she admitted to making the charges without my permission and stated she \" just didn't have the money to pay those bills '' because she was spending the cash I provided her to pay those bills and used the card to cover her debts. I was very angry and threatened to report her to the police since she was using the cards without my permission. I gave her 30 days to pay them off in full or I would report her to the police. \n\nNaturally before the 30 days was over I calmed down and was able to speak to her in more open frame of mind. She explained she tried to borrow the money from her parents and they said it was her deception and wrongdoing and they weren't going to bail her out by giving her the money. She stated she tried to borrow money in other manners but could not get the funds. She asked me to allow her to simply make the payments and pay the card off, although, she could not do that within 30 days. She informed me that when she received her tax returns should could probably pay the entire amount off. This conversation occurred roughly 1 year after receiving the card before I discovered the fraud. I agreed to this arrangement for only a few reasons. # 1 we lived together and having her arrested would negatively impact me as much as her because I relied on part of her income to help pay the bills. # 2. We were dating and I would be having my own girlfriend locked up who I did care for romantically and we had been in a long term relationship which could possibly progress further # 3. I had supported her solely for 6 months while she was unable to work to attend XXXX school. I had invested a significant amount of time and effort to assist her getting into XXXX school as well as caring for her children while she attended classes and then also began working part time during the night to cover expenses. As a result, turning her in would have made her a felon and that would have stopped her from becoming a XXXX and would have wasted all of my effort to help her get where she was trying to improve herself. Also, if she was unable to become a XXXX due to a possible criminal record, it may be nearly impossible to pay off the credit cards which she had used without my permission and knowledge. At the time of this discovery, the balances of all 3 cards she was using without my consent was in the area of {$16000.00}. \n\nI agreed to let her pay monthly payment until the time she received her lump sum from a combination of school loan money and tax returns. The only problem is that when both the tax returns and student loan money came in months later, she had spent it, without paying as agreed, and then later told me she couldn't follow through. So she once again said not to worry, they will all be paid off within 12 months if I just gave her time. I agreed as I did not have much chose at that time and still believed she would handle the charges as promised. \n\nI later bought a home in XX/XX/XXXX and my girlfriend and her children moved in with me. It was on or about XX/XX/XXXX that I discovered she had still be using my credit cards, even though I had physically removed them from my home. I immediatly terminated the relationship due to this continued lack of trust and theft and kicked her out of my home. I started to pull together statements and verify information and found out my accounts totaled nearly 23k in credit card charges and she had been using my cards electronically. The now ex girlfriend showed me a notebook where she had copied down my full credit card numbers, expiration dates, security codes, full name, social, and birth date in order to continue to use these cards. She did not state that was the original reason for collecting this information. she stated she did that to be able to call in and make payments over the phone on my credit cards so the minimum payments were being made. I did not think about how she was making the payments towards the cards, but that the cards themselves were being paid. It now dawned on me that she had stolen my information and personal identity and was continuing to use that to verify information when using these cards electronically without physical access to these cards. This allowed her to continue top use the cards and keep me in the dark on the balances and still make the minimum payments to prevent any type of collection calls or letter to be sent to me. \n\nI demanded payment in full on these cards as a matter of restitution from the ex girlfriend after breaking off the relationship of 5 years. She informed me she would be happy to do this and was going to once again send me her school money in XXXX of XXXX which would be XXXX and estimated she would have another $ XXXX from her tax returns and then would have one final student disbursement that she could pay to me to mostly pay off the balances. She assured me she could pay the amounts off in 12 months and she would be a XXXX soon so that total would not be an issue with her newer higher paying job. I agreed only because she swore the money would be repaid and that allowed her to remain a XXXX with no legal action. The months came and went and no money was paid. I began to demand payment in full and near XXXX or XX/XX/XXXX she stated she had \" changed her mind '' just as I had done in regards to our relationship and I could just do what I wanted as she had no intentions of paying anything any longer. She also informed me she had spoken to a lawyer previously in the year and he was prepared to defend her in the event I wanted to sue her. However, she also stated that he had determined that the statute of limitations had already expired the previous month and she was no longer liable in civil court and I could try and sue her, but nothing would come of the case. It then dawned on me the entire reasons for these delays was to buy more time to let this statute of limitations pass at the advice of her attorney before telling me she no longer intended to pay on them as promised. Although she had written up a \" contract '' which was never signed agreeing to repay certain amounts of money she felt she owed, it was never executed or signed and therefore could not be enforced. \n\nI was furious and believed I was now fully responsible for these cards and she had left me responsible for all of her fraud and I would have to repay the amounts or face a judgement against me on my house which I had just purchased. I am barely surviving on the income I have and the {$700.00} minimum payments needed to be paid each month was crushing me financially. However, I was also mistakenly under the impression that I only had a time frame of 90 days to report the fraudulent charges are they were no longer able to be disputed on my behalf. Since the original fraudulent charge made on one credit card appeared to have occurred around XX/XX/XXXX with my XXXX XXXX, I believe I could no longer purse relief through the credit card companies. I began to shoulder all the payments of the minimums which was financially unbearable with a full mortgage to pay alone at {$880.00} per month, all utilities, a $ XXXX/mo student loan payment, and now an additional {$700.00} per month minimum credit card payment that was 2/3rds interest by the time the money was applied. This was unbearable and I feared I was going to lose my home over this fraudulent debt which I was saddled with. \n\nFinally in about XX/XX/XXXX I decided to go out on a limb and see if there was ANY alternative to assist me in paying off the credit cards. I was already completely broke with no savings and no furniture other than an air mattress for a bed because the ex had taken all of the furniture in my home since she owned it, including all blankets, pillows, even toiletries and left me with literally nothing. I had a plastic lawn chair as my only chair and the air mattress using borrowed blankets and pillows because I didn't have any extra money to purchase these basic items due to the credit card minimum payments. I was doing everything I could to survive, but the payments were too much burden on me to survive. I finally broke down and began to call the credit card companies involved including Chase, XXXX, and XXXX XXXX XXXX, I was overjoyed at first contact because all three cards informed me through their fraud department that I was NOT liable for charges I did not authorize and that were made by the ex. They stated my mistaken assumption of only having 90 days to report her fraud was incorrect and that they all had a zero fraud liability policy and they would make sure to remove those charges from my card and do a thorough fraud investigation on my behalf to hold her liable for her theft. \n\nI immediately began gathering evidence as requested by the fraud team members and provided statements with highlighted charges that were unauthorized on my cards. Within days of submitting these unauthorized charges, my accounts were being refunded and the charges were being taken off. Chase was the very first card to remove all charges from my account and I was at an approximately balance of negative {$10000.00}!!! I could not believe how any charges had been made by her over a 3 year period an discovered most of these charges were made by her in a shorter time frame of a year and a half due to the card only being open since XXXX. The negative balance was available to me to use as my refund and I was informed by a customer service operator that I could still use the card and any charges would come off as credited towards the negative balance. I was even told I could use the card to withdraw money as a \" cash advance '' but would be limited to my limit of {$600.00}. As a result, I requested a PIN number to be sent to me so that I could withdraw some cash and pay bills such as rent and other utilities that had been crushing me financially for so long. I used some of the money to get basic necessities like stock up on my groceries and get food in my freezer, buy items from XXXX and XXXX XXXX, and pay my mortgage and light bill without being completely broke for the first time in a long time. I also used some of the money to buy into a few small investments that I could not touch. Unfortunately, during the month of XXXX, my card suddenly stopped working when I still had a balance of negative XXXX. When I called into card services, I was transferred a department that then transferred me to a supervisor without ever explaining to me why I had no use of my card. Finally the supervisor in the card services explained my card had been shut off for excessive use of my credit line and the card had been cancelled! I asked why this was even possible since Chase still owed me {$2500.00} for my REFUND of fraudulently charged items, payments, and interest which had accrued and that my balance was as low as negative XXXX! The gentleman on the phone took a few minutes to review my account and then stated he saw what I was referring to and it appeared someone had made a mistake and cancelled the card believing I was running up and excessive balance on my card, when in reality, he could see I was using my refunded credit amount. I told him how I was told I could simply use the card as normal until my negative balance was exhausted and was doing exactly what I was instructed to do. I was trying to get back my refunded money that was stuck on that card. The supervisor stated he understood and was going to submit a request for my account to have a \" reconsideration '' to review the closure and that he would document that it was a misunderstanding and my account was not being excessively used other than to attempt to withdraw my refunded amount. He informed me the review process can take approximately 7 to 10 days, but to check back in a few more days. I did not check back on the status immediately, but instead, received a call on or about XX/XX/XXXX from a superior stating my card had been reviewed and they were reinstating my usage of the card. I had also previously asked what would become of my negative {$2500.00} when the card was \" cancelled '' and was informed that they would wait 7 days and the company would send me the refunded credit as a check to ensure any pending charges were posted to my account. I thanked them for their help and waited to receive my check. Once my card was reinstated, I realized that they were not going to send the check since I now had access to the balance and there for used it to pull {$1500.00} off towards another small investment and would later request they company mail me a check for the remaining {$1000.00} which would leave the card with a balance of {$0.00}. I was finally stress free and realizing I could not get my furniture I so desperately needed and would not have to stress about how to buy food when I could barely afford my mortgage with these credit card payments. \n\nUnfortunately my happiness and excitement did not last long because I received another phone call Monday afternoon from a woman who identified herself as the fraud investigator assigned to my case. I can not remember the womans name, but I was given her contact information as XXXX, extension XXXX. This fraud investigator stated she had concluded \" her '' investigation and decided that the charges reported were NOT FRAUD because my ex was \" given access to these cards by me because she lived with me ''. I immediately stopped her and informed her that I had NEVER given her access and she was mistaken, someone obviously had made a mistake on the file. The investigator stated that she had NOT made any mistake, and that since the person who committed this fraud lived with me, she naturally would have had access to my cards by simply going into my dresser or wallet to take these cards and use them, even if I didn't give her permission to do so. \n\nAfter hearing this comment, I was LIVID with such as careless point of view that she was suggesting I was to blame for this fraud because simply LIVING with someone was enough grounds to determine they \" might '' take your card some day and use it without your permission and put it back. As a result, by them living in your residence, it is now your fault even though we have NEVER been married and she was NEVER an authorized user on my card. This made no sense to me and I immediately told this supervisor I could not believe someone could steal a credit card from me, use it, and put it back and it was acceptable simply because she lived at my residence. This would mean that absolutely ANYONE who had a roommate or child, or even just a friend living with them would be exposed to this same credit card fraud because she is blaming the victim for someone living in their home! The investigator stated that \" Well sir, we are a financial institution and we simply can not refund these charges because you allowed her to use them since she was living there and as a result she knew how to gain access to the cards. '' I wish that this phone conversation had not been as devastating as it was, but then the investigator continued to tell me she had more bad news. The investigator stated that Chase had \" mistakenly double refunded the charges and as a result we are putting approximately {$13000.00} back on your card because we accidentally made a {$6000.00} mistake ''. I tried to stop her and ask for more of an explanation of HOW could this POSSIBLY HAPPEN! How can a financial institution make such a stupid error and tell me they made a {$6000.00} mistake and were telling me that they were now going to add this back onto my card along with all charges she whimsically decided to deny refunds on for a balance of {$13000.00} on a single credit card that only had a maximum credit limit of {$3500.00}!! This means that if she would follow through with this decision, the banks unforgivable mistake would end up making me look like I had a balance that exceeded my credit limit by over {$10000.00} and absolutely DESTROY my credit rating in the process! They would also be charging me the feels that would make withdrawing the money from the ATM 's as my refund appear to be cash advances at the rate of 27 % on top of 23 % for the fraudulent charges. The minimum payments on this card would absolutely bankrupt me and I was the victim of fraud! How could this even be acceptable for someone to be the victim of fraud, try to resolve the situation on behalf of the credit card companies by making payments and even trying to get thief to pay the funds back in full, and then victimize me a second time by taking all the money back, hitting me with THEIR {$6000.00} mistake because someone miscalculated and told me that money was mine to use, and then now want it back after it has been spent? All while I was promised in the beginning that these fraudulent charges would not be my responsibility from the very day I called! If I had known this is how terrible the service was and that the credit card companies could not even figure out how to do their own refunds properly without making any mistakes, I would never have opened the card to begin with. That way I could never have been victimized through the fraud by Chase and their guarantee that I had \" zero fraud liability '' and was protected. That is apparently not true because their investigator simply wanted to find a way to blame ME for the charges when they could't find any other way to deny the claim, she would make a ridiculous conclusion that simply living with her negated the fraud and was now my responsibility. I did not receive these same statements from XXXX XXXX XXXX nor XXXX XXXX and XXXX lost FAR more money than Chase in the theft in the amount of nearly {$31000.00} alone. Yet, they have refunded the amounts and asked for affidavits of fraud and any assistance of criminal prosecution of my ex girl friend. Chase did not even so much as offer me an affidavit to sign for fraud and I have offered on numerous occasions to assist them with any criminal charges should they choose to pursue that avenue. I once again informed this same fraud investigator that I would be willing to assist with a criminal investigation to assist them as I was doing the same with XXXX card, yet she said to her this was entirely civil and they were not going to refund any money. She did not care that her decision was unfounded and had no compassion that her decision is going to wreck my financially and destroy my credit. So, I immediately told the investigator that I wanted this decision appealed to a supervisor for review as I did not feel her determination was one based on any factual reasoning that was a legitimate law or policy. She stated that she could try to get a supervisor on the phone but they were busy, or she could resubmit this case to a department but that they would need to do another full investigation. I told her that would be find as I knew that these charges were fraudulent and I would not allow her to call these unauthorized charges my responsibility based on her statement my ex-girlfriend could make those charges simply because she lived in the same house hold. Why would ANYONE ever need an authorized user card then? Apparently she believed you can just take someone's card behind their back and use it and it would be perfectly acceptable! So, I stated I wanted the review done on my decision and the account to be looked at by another person above her with more authority. I told her I wanted this account left alone since adding this XXXX back onto my card was an unfair burden on both me and my credit and that would cause me even further damage. The investigator simply stated that \" The file will be submitted for review and further investigation '' and my full belief is she understood I was appealing her decision and asking for someone else to review this account and stay her reversal onto my card. I am now looking at my account today and realizing that this investigator did the exact opposite and I now have all charges put back onto my card with a balance of {$13000.00} with no available credit and over the limit by {$9500.00}!. My credit rating which was severely harmed from the fraudulent credit card charges will not be even FURTHER destroyed just as I began to recover. There is no possible way I can in good conscience make payments on charges I know are both fraud due to theft and also mistakes made by the same company that promised to protect me should this happen. Instead both parties are further harming me financially by making me liable for them and I am the victim! It is unimaginable to me to think any reputable company would be so callous, reckless, and irresponsible to the victim of a crime and then further harm them by claiming they \" accidentally '' made a mistake of {$6000.00}! That is not MY fault that they made that mistake as they were the ones who informed me I could spend this money as it was MINE! I would NEVER charge {$6000.00} on a credit card in this manner as I am far more financially responsible that this and I feel as they have now baited me into a trap and are trying to wash their hands of their own responsibility for both the fraud and their \" error '' of double refunding me charges. I am NOT able to pay this money back and I do not have the the ability to make the massive monthly payments their error will incur on me. This is simply not something I can ever forget and I will likely be forced to switch my credit card accounts to another company in the future as I feel there was never any intention to help me with being defrauded by this investigator. I will make sure to tell everyone I know to cancel any credit card, bank account, investment product and any other item they may have with Chase or any Chase bank due to how I was treated and how they have proven their word of \" zero fraud liability '' really doesn't actually apply and superficial reasons will be made up that do not even exist in their card polices. \n\nSo in other words, Chase will make up whatever story they want and try to blackmail you into paying off someone else 's illegal charges while offering NO protection and threaten damage to your credit, employment, liens and judgments on your home, and ultimately the shame of having a destroyed credit report committed by someone who was never held responsible for their fraudulent charges to begin with. I have never felt more violated in my life than I do right now and I have never felt more hopeless and depressed than I do now because I can not possibly pay this money back and nor should I have to. I am the victim not the criminal!","date_sent_to_company":"2019-04-02T16:02:55.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"27530","tags":null,"has_narrative":true,"complaint_id":"3193403","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2019-03-27T23:35:19.000Z","state":"NC","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["I began to demand payment in full and near XXXX or XX/XX/XXXX she stated she had \" changed her mind '' just as I had done in regards to our relationship and I could just do what I wanted as she had no intentions of paying anything any longer. She also informed me she had spoken to a lawyer previously in the year and he was prepared to defend her in the event I wanted to sue her."],"issue":["Problem with a purchase shown on your statement"]},"sort":[7.4556317,"3193403"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":34,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":34}]}},"product":{"doc_count":34,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":7,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":7}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":7,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":7}]}},{"key":"Debt 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