{"took":215,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":493,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11889684","_score":21.560793,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"They are in probably reporting on my Credit report they were reporting that I have late payments on an account that I dont have late payments on the account I have attached a screenshot of said accountant this is zero missed payments.","date_sent_to_company":"2025-02-01T05:07:09.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"11889684","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-01T05:06:37.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["They are in probably reporting on my Credit report they were reporting that I <em>have</em> <em>late</em> <em>payments</em> on an account that I dont <em>have</em> <em>late</em> <em>payments</em> on the account I <em>have</em> attached a screenshot of said accountant this is <em>zero</em> <em>missed</em> <em>payments</em>."]},"sort":[21.560793,"11889684"]},{"_index":"complaint-public-v1","_id":"11890035","_score":21.529268,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"They are in probably reporting on my Credit report they were reporting that I have late payments on an account that I dont have late payments on the account I have attached a screenshot of said accountant this is zero missed payments.","date_sent_to_company":"2025-02-01T05:07:03.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"11890035","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-01T04:19:30.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["They are in probably reporting on my Credit report they were reporting that I <em>have</em> <em>late</em> <em>payments</em> on an account that I dont <em>have</em> <em>late</em> <em>payments</em> on the account I <em>have</em> attached a screenshot of said accountant this is <em>zero</em> <em>missed</em> <em>payments</em>."]},"sort":[21.529268,"11890035"]},{"_index":"complaint-public-v1","_id":"11885712","_score":21.485146,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"They are in probably reporting on my Credit report they were reporting that I have late payments on an account that I dont have late payments on the account I have attached a screenshot of said accountant this is zero missed payments.","date_sent_to_company":"2025-02-01T05:07:04.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"11885712","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-01T05:06:37.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["They are in probably reporting on my Credit report they were reporting that I <em>have</em> <em>late</em> <em>payments</em> on an account that I dont <em>have</em> <em>late</em> <em>payments</em> on the account I <em>have</em> attached a screenshot of said accountant this is <em>zero</em> <em>missed</em> <em>payments</em>."]},"sort":[21.485146,"11885712"]},{"_index":"complaint-public-v1","_id":"5750580","_score":20.34623,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX My accounts with Edfinancial have been closed and paid in full as a XXXXXXXX XXXX XXXX and total XXXX XXXX since XX/XX/2022. I have never been late or missed any payments with Edfinancial. I have numerous letters from Edfinancial stating this fact. \n\nI have had over a dozen phone conversations with Edfinancial regarding getting my credit reporting updated since XX/XX/2022, in reference to correcting reporting to all three credit bureaus to indicate that this is fully paid off with a zero balance, closed and all payments on time. Instead of my credit bureaus being corrected, all three credit bureaus are receiving incorrect information from Edfinancial ( for the second month in a row ) stating that I am XXXX days late with XXXX missed payments and very high balances on both Edfinancial accounts which are closed. This has severely impacted my financial status from being able to conduct financial transactions to possibly impacting my credit with any current creditors. \n\nI am requesting that all three credit bureaus be corrected to show I am in good standing and on time with no late or missed payments and that the balances with both Edfinancial accounts are closed and zeroed out.","date_sent_to_company":"2022-07-08T23:11:07.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"720XX","tags":"Servicemember","has_narrative":true,"complaint_id":"5750580","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EdFinancial Services","date_received":"2022-07-08T22:57:56.000Z","state":"AR","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX My accounts with Edfinancial <em>have</em> been closed and paid in full as a XXXXXXXX XXXX XXXX and total XXXX XXXX since XX/XX/2022. I <em>have</em> never been <em>late</em> or <em>missed</em> any <em>payments</em> with Edfinancial. I <em>have</em> numerous letters from Edfinancial stating this fact."]},"sort":[20.34623,"5750580"]},{"_index":"complaint-public-v1","_id":"3301686","_score":20.178082,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Bank of American is reporting on my credit report that my payment was late. This is not true as I setup automatic payments when the account was open, I never received a past due notification, never received a phone call regarding this, and I had more than enough money available to cover the < {$25.00} balance on the account. I had over {$10000.00} in my account at this time of supposed missed payment. I have zero missed payments in my credit history and over {$100000.00} of available credit. I need this missed payment removed from my credit report.","date_sent_to_company":"2019-07-10T15:58:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19083","tags":null,"has_narrative":true,"complaint_id":"3301686","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2019-07-10T15:49:45.000Z","state":"PA","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":["Bank of American is reporting on my credit report that my <em>payment</em> was <em>late</em>. This is not true as I setup automatic <em>payments</em> when the account was open, I never received a past due notification, never received a phone call regarding this, and I had more than enough money available to cover the < {$25.00} balance on the account. I had over {$10000.00} in my account at this time of supposed <em>missed</em> <em>payment</em>. I <em>have</em> <em>zero</em> <em>missed</em> <em>payments</em> in my credit history and over {$100000.00} of available credit."]},"sort":[20.178082,"3301686"]},{"_index":"complaint-public-v1","_id":"5215620","_score":20.080254,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX credit card placed a late payment on my credit report. My late payment was due to me being ill with XXXX  and I inadvertently missed a payment. Since this complaint, I have paid the account and the credit card is almost paid done to zero. I am asking that XXXX delete the late payment from my credit report since I have never been late paying them in the pass. \n\nThank you for your consideration.","date_sent_to_company":"2022-02-13T08:11:01.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19701","tags":null,"has_narrative":true,"complaint_id":"5215620","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-02-13T03:10:58.000Z","state":"DE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["XXXX credit card placed a <em>late</em> <em>payment</em> on my credit report. My <em>late</em> <em>payment</em> was due to me being ill with XXXX  and I inadvertently <em>missed</em> a <em>payment</em>. Since this complaint, I <em>have</em> paid the account and the credit card is almost paid done to <em>zero</em>. I am asking that XXXX delete the <em>late</em> <em>payment</em> from my credit report since I <em>have</em> never been <em>late</em> paying them in the pass. \n\nThank you for your consideration."]},"sort":[20.080254,"5215620"]},{"_index":"complaint-public-v1","_id":"2431397","_score":19.74427,"_source":{"product":"Credit reporting","complaint_what_happened":"I have late payments reporting on MY Credit file which has been removed by the following companies XXXX it 's showing XXXX late payment & lt ; should be showing zero & gt ; I made an agreement with the company and they removed all late payments, and its still showing up on my credit report. \nLast Reported XXXX XXXX, XXXX Creditor Name XXXX XXXX Account Type XXXX Status XXXX - Paid Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Limit {$2500.00} Term -- XXXX {$0.00} Responsibility XXXX Balance {$0.00} This is the XXXX XXXX XXXX XXXX showing XXXX missed payments which are inaccurate as well. \nXXXX XXXX is showing XXXX missed payments i sent in Goodwill Letter to creditor and they removed all missed payments because i signed up for auto pay. Still reporting on my credit file. \nXXXX XXXX XXXX XXXX, XXXX Open - Current XXXX Missed Payments They also removed all missed and late payments when i signed up for Auto pay along with Goodwill Letter. \nI disputed these accounts and late payments with the credit beareau and they say its a valid debt and when i contacted creditor, they say the info is innaccurate and they dont have any missed or late payments showing which further lets me know that the creditor is validating my debt illegally and falsely.","date_sent_to_company":"2017-04-12T20:59:30.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"28269","tags":null,"has_narrative":true,"complaint_id":"2431397","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-04-12T20:59:30.000Z","state":"NC","company_public_response":null,"sub_issue":"Account status"},"highlight":{"complaint_what_happened":["I <em>have</em> <em>late</em> <em>payments</em> reporting on MY Credit file which has been removed by the following companies XXXX it 's showing XXXX <em>late</em> <em>payment</em> & lt ; should be showing <em>zero</em> & gt ; I made an agreement with the company and they removed all <em>late</em> <em>payments</em>, and its still showing up on my credit report."]},"sort":[19.74427,"2431397"]},{"_index":"complaint-public-v1","_id":"13026361","_score":18.847633,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am disputing several accounts on my credit report due to inaccurate late payment reporting. These accounts are either in good standing or closed, but two missed payments are being reported, which I believe are incorrect. \nXXXX. XXXX XXXX XXXX XXXX XXXX XXXX This account currently shows two missed payments, which I dispute as inaccurate. The account is now current and in good standing. I have maintained regular payments and request a full investigation into the late payment history. \nXXXX. XXXX  ( Credit Card Account ) This account is currently closed but shows two missed payments. I am requesting a review of the account history and removal of these late payments, as they do not accurately reflect my payment behavior prior to account closure. \nXXXX. XXXX XXXX XXXX XXXX XXXX XXXX This account now has a zero balance. It is also showing two missed payments, which I believe are reported in error. I have since paid the balance in full and would like the late payments removed to reflect accurate and current information. \nXXXX. XXXX XXXX  XXXX Credit Card Account ) This account is closed but also reflects two missed payments. I dispute this information, as I was unaware of any delinquencies before the account closure. I request an investigation and deletion of these negative marks if they can not be verified. \n\nThese inaccurate entries are negatively affecting my credit profile. I am requesting that each of these items be investigated thoroughly and corrected or removed from my reports with TransUnion, Equifax, and Experian.","date_sent_to_company":"2025-04-16T16:14:57.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92551","tags":null,"has_narrative":true,"complaint_id":"13026361","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-04-16T16:14:30.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am disputing several accounts on my credit report due to inaccurate <em>late</em> <em>payment</em> reporting. These accounts are either in good standing or closed, but two <em>missed</em> <em>payments</em> are being reported, which I believe are incorrect. \nXXXX. XXXX XXXX XXXX XXXX XXXX XXXX This account currently shows two <em>missed</em> <em>payments</em>, which I dispute as inaccurate. The account is now current and in good standing. I <em>have</em> maintained regular <em>payments</em> and request a full investigation into the <em>late</em> <em>payment</em> history. \nXXXX."]},"sort":[18.847633,"13026361"]},{"_index":"complaint-public-v1","_id":"11922956","_score":18.799112,"_source":{"product":"Credit card","complaint_what_happened":"After a significant credit score increase I called for a credit limit increase on my Home Depot Card. I have been denied a limit increase numerous times. I requested a limit increase of {$300.00} from the current limit of {$200.00} for a total of {$500.00} limit. Citi Bank can't say this is not discrimination because I receive XXXX payments. They didn't even do a credit check for approval of the increase. I was told, \" the process wouldn't require a credit check and it would be an immediate decision ''. My Home Depot account is FLAWLESS. Zero late payment, Zero missed payments. A denial for a {$300.00} limit increase can only be viewed as discrimination. A limit increase decision is definitely not considering my account payment history.","date_sent_to_company":"2025-02-05T00:35:43.000Z","issue":"Trouble using your card","sub_product":"Store credit card","zip_code":"36067","tags":null,"has_narrative":true,"complaint_id":"11922956","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-02-05T00:07:08.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company won't increase or decrease your credit limit"},"highlight":{"complaint_what_happened":["I <em>have</em> been denied a limit increase numerous times. I requested a limit increase of {$300.00} from the current limit of {$200.00} for a total of {$500.00} limit. Citi Bank can't say this is not discrimination because I receive XXXX <em>payments</em>. They didn't even do a credit check for approval of the increase. I was told, \" the process wouldn't require a credit check and it would be an immediate decision ''. My Home Depot account is FLAWLESS. <em>Zero</em> <em>late</em> <em>payment</em>, <em>Zero</em> <em>missed</em> <em>payments</em>."]},"sort":[18.799112,"11922956"]},{"_index":"complaint-public-v1","_id":"1301415","_score":18.63177,"_source":{"product":"Credit card","complaint_what_happened":"back in XX/XX/XXXX I request to close my secured card, and they kept all of the security deposit XXXX to bring the card to Zero balance and they reported it as closed by consumer request. 3 months later they start reporting every month that i was late? they put XXXX late payments on me and changed it to charge off? saying i owed a pental fee? they never told me about and ruined my credit Capital one. then they set it that i could not call regular customer service i had to speak with the ceo administrator and she talked to me like i was less than a person saying i owed an additional XXXX for closing the account. they never told me that. so now i have XXXX missed payments so they say and it says charge off. please correct it because i had not missed any payments in years XXXX payment in XX/XX/XXXX please correct and give them a penalty for being dishonest.","date_sent_to_company":"2015-03-25T02:03:06.000Z","issue":"Delinquent account","sub_product":null,"zip_code":"60626","tags":null,"has_narrative":true,"complaint_id":"1301415","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2015-03-25T02:03:06.000Z","state":"IL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["back in XX/XX/XXXX I request to close my secured card, and they kept all of the security deposit XXXX to bring the card to <em>Zero</em> balance and they reported it as closed by consumer request. 3 months <em>later</em> they start reporting every month that i was <em>late</em>? they put XXXX <em>late</em> <em>payments</em> on me and changed it to charge off? saying i owed a pental fee?"]},"sort":[18.63177,"1301415"]},{"_index":"complaint-public-v1","_id":"6329780","_score":18.353054,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Express and Comenity Bank has to be one of the shadiest companies in existence I used the card once to ensure I was using it I purchased one shirt i paid off said shirt same month which was months ago.\n\nI paid this using certified funds debit card on a recorded line with a live agent they stated they were having system issues and it needed to be applied manually I uploaded proof of payment 4+ times and spoke to countless supervisors all of whom stated they were zeroing out account They charged me interest and {$90.00} in late fees for {$36.00} transaction predatory tactics they waived these like they were doing me a favor they said UM no you were trying to rip me off and its predatory so you waived They have added the same {$90.00} in late fees and even more interest since such time they said they resolved this months ago they slashed my credit citing missed payment which was also to be fixed not only did I not miss a payment you scam artists I paid early and it was a whopping {$36.00} I assure I did not miss and this has been verified over 20 times in the last 6 months I was absolutely appalled when I randomly logged in to see if they restored my credit limit for the holidays I was thinking of using and not only did they not as advised they have yet to XXXX this out as stated in XXXX XXXX XXXX XXXX XXXX They even advised if I filed a grievance I might be subject to account closure what kind of mafia style bank is this I have countless accounts with you never once late you disgust me Seriously? You charged {$210.00} for {$36.00} paid over 5 months ago and repeatedly stated that this zeroed out and no payment due you have already advised countless times no payment due this is your absolute error and system issues","date_sent_to_company":"2022-12-16T18:02:30.000Z","issue":"Problem when making payments","sub_product":"Store credit card","zip_code":"92532","tags":"Servicemember","has_narrative":true,"complaint_id":"6329780","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2022-12-16T17:48:54.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["You charged {$210.00} for {$36.00} paid over 5 months ago and repeatedly stated that this <em>zeroed</em> out and no <em>payment</em> due you <em>have</em> already advised countless times no <em>payment</em> due this is your absolute error and system issues"],"sub_issue":["Problem during <em>payment</em> process"]},"sort":[18.353054,"6329780"]},{"_index":"complaint-public-v1","_id":"6992771","_score":18.300379,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I opened an account with XXXX XXXX via XXXX for a credit card in XXXX. My credit report shows that I missed or was late on a payment in XX/XX/XXXX and I have tried repeatedly on the phone through XXXX XXXX through and XXXX XXXX and at the latest as of today, on the phone with the supervisor to get that Corrected. I was never told in all my investigation that this was for my XXXX account and not my XXXX account. I am suggesting that XXXX XXXX has been unable to verify which card Ive been calling about and therefore that there is bank error in reporting. Ive never missed payments. My entire credit report shows zero late or missing payments. Other than this one that is allegedly reported. \n\nToday XXXX when I called the credit reporting division of XXXX XXXX who says he is the supervisor says there is nothing he can do about it. I am suggesting the one issue on my entire report could potentially be a bank error and have asked to have it removed as I am current and have no other Late payments in my credit history.","date_sent_to_company":"2023-05-17T16:23:59.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92627","tags":"Older American","has_narrative":true,"complaint_id":"6992771","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Collection Management Holdings, LLC","date_received":"2023-05-17T16:23:57.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Ive never <em>missed</em> <em>payments</em>. My entire credit report shows <em>zero</em> <em>late</em> or missing <em>payments</em>. Other than this one that is allegedly reported. \n\nToday XXXX when I called the credit reporting division of XXXX XXXX who says he is the supervisor says there is nothing he can do about it. I am suggesting the one issue on my entire report could potentially be a bank error and <em>have</em> asked to <em>have</em> it removed as I am current and <em>have</em> no other <em>Late</em> <em>payments</em> in my credit history."]},"sort":[18.300379,"6992771"]},{"_index":"complaint-public-v1","_id":"6991530","_score":18.259493,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I opened an account with chase bank via Amazon for a credit card in XXXX. My credit report shows that I missed or was late on a payment in XX/XX/XXXX and I have tried repeatedly on the phone through XXXX XXXX through and Chase Bank and at the latest as of today, on the phone with the supervisor to get that Corrected. I was never told in all my investigation that this was for my Amazon account and not my Southwest account. I am suggesting that Chase Bank has been unable to verify which card Ive been calling about and therefore that there is bank error in reporting. Ive never missed payments. My entire credit report shows zero late or missing payments. Other than this one that is allegedly reported. \n\nToday XXXX when I called the credit reporting division of Chase Bank who says he is the supervisor says there is nothing he can do about it. I am suggesting the one issue on my entire report could potentially be a bank error and have asked to have it removed as I am current and have no other Late payments in my credit history.","date_sent_to_company":"2023-05-17T16:23:52.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92627","tags":"Older American","has_narrative":true,"complaint_id":"6991530","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-05-17T16:07:35.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Ive never <em>missed</em> <em>payments</em>. My entire credit report shows <em>zero</em> <em>late</em> or missing <em>payments</em>. Other than this one that is allegedly reported. \n\nToday XXXX when I called the credit reporting division of Chase Bank who says he is the supervisor says there is nothing he can do about it. I am suggesting the one issue on my entire report could potentially be a bank error and <em>have</em> asked to <em>have</em> it removed as I am current and <em>have</em> no other <em>Late</em> <em>payments</em> in my credit history."]},"sort":[18.259493,"6991530"]},{"_index":"complaint-public-v1","_id":"3031463","_score":18.211338,"_source":{"product":"Student loan","complaint_what_happened":"While reviewing my credit report I see a total of five trade lines from Navient ; three of which are reporting correctly as no missed payments and two of which are reporting incorrectly as having 2 missed payments in XXXX and XX/XX/XXXX. I take issue with these accounts showing missed payments for the following reasons : 1.  Because as the attached documents show I didn't graduate from XXXX XXXXXXXX XXXX until XX/XX/XXXX. There is a 6 month grace period from the time of graduation until loan payments begin due. That means loan payments would not have become due until XX/XX/XXXX. I had already requested and been approved for forbearance on XX/XX/XXXX ( attached ) 2. How is it possible that I could be late on two of five loans having the same forbearance/deferment period?\n\n3. How is it possible for the two late payments ( XXXX & XX/XX/XXXX ) to show as 90-119 / 120-149 days late when the payment status for the previous month ( XX/XX/XXXX ) shows as on time? \n\n4. I sent an email ( attached ) along with same information I'm attaching to this compliant to Navient 's Customer Advocate center regarding this issue asking for my credit report be corrected and almost instantly received a canned response saying the information was reported accurately. How is this possible based on the points listed above?\n\nI demand that Navient correct my credit report to show zero missed payments or delete the incorrect trade line entirely.","date_sent_to_company":"2018-09-27T20:43:52.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Federal student loan servicing","zip_code":"38017","tags":"Servicemember","has_narrative":true,"complaint_id":"3031463","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2018-09-27T20:07:55.000Z","state":"TN","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I demand that Navient correct my credit report to show <em>zero</em> <em>missed</em> <em>payments</em> or delete the incorrect trade line entirely."]},"sort":[18.211338,"3031463"]},{"_index":"complaint-public-v1","_id":"8241030","_score":18.085903,"_source":{"product":"Credit card","complaint_what_happened":"In XX/XX/XXXX Synchrony Bank issued me a new line of credit of {$4000.00} on a Sam 's Club XXXX credit card. In XXXX of XXXX Synchronchy turned around under 30 days later and decrease another Synchrony XXXX credit card of mine to XXXX by approx. {$2000.00} because my of credit score? They just approved me for credit, how can they retract it 30 days later with no missed payments or fault of mine? \n\nNot only did they decrease my limit on the XXXX credit card, but they removed the entire available balance, leaving the credit card maxed out with only {$13.00} available and putting it from its previous 40 % utilization to now 98 % utilization! The damage their actions will cause to my remaining credit is very severe and will start a snowball effect I will not be able to recover from. \n\nThis is a very deceptive credit lender practice, issuing new credit to an long standing loyal existing member only to retract half of it 30 days later from the member 's other accounts and damage their credit! \n\nAs a Synchrony member with multiple accounts over many years, I have zero late payment history. Across all credit bureaus I have zero late payments, collections or any delinquencies on any accounts. So the basis to remove the credit I have been 100 % responsible for is unsubstantiated.","date_sent_to_company":"2024-01-28T13:38:38.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"34667","tags":null,"has_narrative":true,"complaint_id":"8241030","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2024-01-28T13:08:33.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company won't increase or decrease your credit limit"},"highlight":{"complaint_what_happened":["This is a very deceptive credit lender practice, issuing new credit to an long standing loyal existing member only to retract half of it 30 days <em>later</em> from the member 's other accounts and damage their credit! \n\nAs a Synchrony member with multiple accounts over many years, I <em>have</em> <em>zero</em> <em>late</em> <em>payment</em> history. Across all credit bureaus I <em>have</em> <em>zero</em> <em>late</em> <em>payments</em>, collections or any delinquencies on any accounts. So the basis to remove the credit I <em>have</em> been 100 % responsible for is unsubstantiated."]},"sort":[18.085903,"8241030"]},{"_index":"complaint-public-v1","_id":"3641459","_score":18.057734,"_source":{"product":"Mortgage","complaint_what_happened":"I have repeatedly complained to the company since they bought my loan XX/XX/2019. My chapter XXXX which did not include my mortgage discharged XX/XX/2019 and they will not report my zero missed or late payments each month. They added a prepayment penalty which I do not have. I am short on escrow because they refuse to do an analysis and recalculate the higher yearly property taxes. Thats a short list of issues since they bought my loan last Fall.","date_sent_to_company":"2020-05-07T18:54:07.000Z","issue":"Incorrect information on your report","sub_product":"FHA mortgage","zip_code":"98661","tags":null,"has_narrative":true,"complaint_id":"3641459","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LAKEVIEW LOAN SERVICING, LLC","date_received":"2020-05-07T18:41:33.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["I <em>have</em> repeatedly complained to the company since they bought my loan XX/XX/2019. My chapter XXXX which did not include my mortgage discharged XX/XX/2019 and they will not report my <em>zero</em> <em>missed</em> or <em>late</em> <em>payments</em> each month. They added a prepayment penalty which I do not <em>have</em>. I am short on escrow because they refuse to do an analysis and recalculate the higher yearly property taxes. Thats a short list of issues since they bought my loan last Fall."]},"sort":[18.057734,"3641459"]},{"_index":"complaint-public-v1","_id":"3561246","_score":17.977587,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have been trying to dispute this inaccurate late payment with comenity bank for months they are reporting that i have 1 missed payment in XX/XX/2019 and they still wont change the inaccurate reporting. My consumer report shows that i have a 30 day late payment when i have never been late on my comenity bank XXXX account i have called and spoke with multiple comenity bank employees who assured me that they would fix the error but they never did. I have a {$4000.00} limit with comunity bank which is paid down to a zero balance i have been nothing but patient and a good business partner with comenity bank and they still choose to report inaccurate information on my consumer report which is harming me financially and emotionally.","date_sent_to_company":"2020-03-10T17:49:09.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"45240","tags":null,"has_narrative":true,"complaint_id":"3561246","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2020-03-10T17:28:02.000Z","state":"OH","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I <em>have</em> been trying to dispute this inaccurate <em>late</em> <em>payment</em> with comenity bank for months they are reporting that i <em>have</em> 1 <em>missed</em> <em>payment</em> in XX/XX/2019 and they still wont change the inaccurate reporting. My consumer report shows that i <em>have</em> a 30 day <em>late</em> <em>payment</em> when i <em>have</em> never been <em>late</em> on my comenity bank XXXX account i <em>have</em> called and spoke with multiple comenity bank employees who assured me that they would fix the error but they never did."]},"sort":[17.977587,"3561246"]},{"_index":"complaint-public-v1","_id":"7148290","_score":17.871725,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX is reporting that I am currently late every month on an account that they wrote off in 2019 as cancelled debt. They issued me a 1099-C that I had to include on my taxes. I am not currently late for any payments because the account is closed and should be reporting a zero balance. According to the law once a company has issued a 1099c for the debt, The debt is reported as canceled and you no longer have to make payments on it. It is not being reported this way because they are reporting as if I have missed another payment each month and keep updating my balance. It is being included in my credit score calculation incorrectly as well. Both Experian and XXXX are reporting this account incorrectly despite several dispute requests.","date_sent_to_company":"2023-06-21T22:40:42.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"712XX","tags":null,"has_narrative":true,"complaint_id":"7148290","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-06-21T22:25:19.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX is reporting that I am currently <em>late</em> every month on an account that they wrote off in 2019 as cancelled debt. They issued me a 1099-C that I had to include on my taxes. I am not currently <em>late</em> for any <em>payments</em> because the account is closed and should be reporting a <em>zero</em> balance. According to the law once a company has issued a 1099c for the debt, The debt is reported as canceled and you no longer <em>have</em> to make <em>payments</em> on it."]},"sort":[17.871725,"7148290"]},{"_index":"complaint-public-v1","_id":"7148251","_score":17.863176,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Wells Fargo is reporting that I am currently late every month on an account that they wrote off in 2019 as cancelled debt. They issued me a 1099-C that I had to include on my taxes. I am not currently late for any payments because the account is closed and should be reporting a zero balance. According to the law once a company has issued a 1099c for the debt, The debt is reported as canceled and you no longer have to make payments on it. It is not being reported this way because they are reporting as if I have missed another payment each month and keep updating my balance. It is being included in my credit score calculation incorrectly as well. Both XXXX and XXXX are reporting this account incorrectly despite several dispute requests.","date_sent_to_company":"2023-06-21T22:40:53.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"712XX","tags":null,"has_narrative":true,"complaint_id":"7148251","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-06-21T22:40:50.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Wells Fargo is reporting that I am currently <em>late</em> every month on an account that they wrote off in 2019 as cancelled debt. They issued me a 1099-C that I had to include on my taxes. I am not currently <em>late</em> for any <em>payments</em> because the account is closed and should be reporting a <em>zero</em> balance. According to the law once a company has issued a 1099c for the debt, The debt is reported as canceled and you no longer <em>have</em> to make <em>payments</em> on it."]},"sort":[17.863176,"7148251"]},{"_index":"complaint-public-v1","_id":"4721653","_score":17.560713,"_source":{"product":"Mortgage","complaint_what_happened":"HomeBridge Financial Services , Inc. is refusing/delaying the process of disbursing the money held in escrow. All Payments have been made ( zero missed or late payments ) and the loan has been paid in full.\n\nI have sent multiple requests to their \" chat '' and message inbox and they continue to delay and will not release the money from escrow. Furthermore, their customer services department is unable to take any action nor willing to fix the issue for release of the money. I feel as a consumer I am being taken advantage and concerned their financial mortgage operation is not financially sound.\n\nThey are in violation of their agreement as a mortgage servicer.","date_sent_to_company":"2021-09-15T16:33:44.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"85016","tags":null,"has_narrative":true,"complaint_id":"4721653","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMA Advisors, LLC.","date_received":"2021-09-15T16:24:25.000Z","state":"AZ","company_public_response":"Company believes complaint represents an opportunity for improvement to better serve consumers","sub_issue":null},"highlight":{"complaint_what_happened":["All <em>Payments</em> <em>have</em> been made ( <em>zero</em> <em>missed</em> or <em>late</em> <em>payments</em> ) and the loan has been paid in full.\n\nI <em>have</em> sent multiple requests to their \" chat '' and message inbox and they continue to delay and will not release the money from escrow. Furthermore, their customer services department is unable to take any action nor willing to fix the issue for release of the money. I feel as a consumer I am being taken advantage and concerned their financial mortgage operation is not financially sound."],"issue":["Trouble during <em>payment</em> process"]},"sort":[17.560713,"4721653"]},{"_index":"complaint-public-v1","_id":"1605500","_score":17.537672,"_source":{"product":"Consumer Loan","complaint_what_happened":"Wells Fargo never disclosed that the minimum payment that they charge on the account is based on the HIGHEST outstanding balance and once set stays the same until ALL balances are paid off. These balances were taken out on zero % with varying due dates to avoid interest if paid in full. Because of the high minimum payment, I am being forced to pay off the card BEFORE the zero is actually due. This is deceptive trade practices and is forcing both a higher minimum payment being reported to the credit agencies as well as depriving me of the 0 % benefit without any notice that this is their practice. This is an abusive practice that is damaging consumers who take out store credit with Wells Fargo and should be investigated, changed AND PUNISHED! \n\nThey also apply the monthly payments in an incomprehensible way to where you have items that are due later getting more paid off than items that are due sooner. This bad application could also cause someone to miss the due date on items that are due sooner and so incur the interest that the consumer had fully planned to avoid based on their payments.","date_sent_to_company":"2015-10-16T17:27:38.000Z","issue":"Managing the loan or lease","sub_product":"Installment loan","zip_code":"77396","tags":null,"has_narrative":true,"complaint_id":"1605500","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2015-10-14T15:07:12.000Z","state":"TX","company_public_response":"Company chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["They also apply the monthly <em>payments</em> in an incomprehensible way to where you <em>have</em> items that are due <em>later</em> getting more paid off than items that are due sooner. This bad application could also cause someone to <em>miss</em> the due date on items that are due sooner and so incur the interest that the consumer had fully planned to avoid based on their <em>payments</em>."]},"sort":[17.537672,"1605500"]},{"_index":"complaint-public-v1","_id":"7154073","_score":17.443268,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX representing both XXXX and XXXX XXXX is reporting on both experian and XXXX that I am currently late every month on an accounts that they wrote off in 2019 as cancelled debt. They issued me two 1099-C that I had to include on my taxes. I am not currently late for any payments because the accounts are closed and should be reporting a zero balance. According to the law once a company has issued a 1099c for the debt, The debt is reported as canceled and you no longer have to make payments on it. It is not being reported this way because they are reporting as if I have missed another payment each month and keep updating my balance. They are being included in my credit score calculation incorrectly as well. Both Experian and XXXX are reporting these accounts incorrectly despite several dispute requests.","date_sent_to_company":"2023-06-22T12:21:22.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"712XX","tags":null,"has_narrative":true,"complaint_id":"7154073","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-06-22T12:21:17.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX representing both XXXX and XXXX XXXX is reporting on both experian and XXXX that I am currently <em>late</em> every month on an accounts that they wrote off in 2019 as cancelled debt. They issued me two 1099-C that I had to include on my taxes. I am not currently <em>late</em> for any <em>payments</em> because the accounts are closed and should be reporting a <em>zero</em> balance."]},"sort":[17.443268,"7154073"]},{"_index":"complaint-public-v1","_id":"4495357","_score":17.43731,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Comenity Bank ( XXXX Credit Card ) charged me interest XX/XX/2021 on a {$0.00} balance after I had missed a payment. I was confused about how I had missed a payment, but I realized it was probably because they have overcharged me interest. I asked for the terms of service where I have signed that they can charge me interest when I have a {$0.00} balance and the customer service reps are ignoring my questions. They gave me a {$39.00} credit for the first late fee, and a refund for {$35.00}, both which I didnt request. They stated they received verbal authorization to return the {$35.00} but I have not spoken with them on the phone. I have asked that they REMOVE the 30 day late payment theyre reporting to the credit bureaus because the company is untrustworthy. I have reason to believe the late payment is being fraudulently reported. I have received ZERO in mail correspondence from them. I mailed a dispute in regards to the late payment asking for a goodwill removal and they ignored it. They replied that it was a duplicate response and to refer to the investigation previously sent, but there wasnt one. They have ignored my requests, and in my asking for the original investigation letter and decision I realized they were charging interest that violates their terms of service. They have ignored me several times. I have mailed in requests. Emailed. And messaged on their secure platform.","date_sent_to_company":"2021-06-26T14:05:16.000Z","issue":"Fees or interest","sub_product":"Store credit card","zip_code":"92084","tags":null,"has_narrative":true,"complaint_id":"4495357","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2021-06-26T13:46:08.000Z","state":"CA","company_public_response":null,"sub_issue":"Charged too much interest"},"highlight":{"complaint_what_happened":["They gave me a {$39.00} credit for the first <em>late</em> fee, and a refund for {$35.00}, both which I didnt request. They stated they received verbal authorization to return the {$35.00} but I <em>have</em> not spoken with them on the phone. I <em>have</em> asked that they REMOVE the 30 day <em>late</em> <em>payment</em> theyre reporting to the credit bureaus because the company is untrustworthy. I <em>have</em> reason to believe the <em>late</em> <em>payment</em> is being fraudulently reported. I <em>have</em> received <em>ZERO</em> in mail correspondence from them."]},"sort":[17.43731,"4495357"]},{"_index":"complaint-public-v1","_id":"1937994","_score":17.429823,"_source":{"product":"Credit card","complaint_what_happened":"I have good relationship for over 1 years. I was a loyal card member never miss a payment. I notice fraud charges on my account and I notify Chase. Chase promtly took off my charges but then rebill it a month later on XXXX XXXX. Chase also closed my account. I do not know why a big bank like Chase would took those actions against customer while they lost their credit cards. Chase should not be advertise zero fraud, but when it happen they will close the account and let the customer deals with the balance.","date_sent_to_company":"2016-05-23T15:24:09.000Z","issue":"Billing disputes","sub_product":null,"zip_code":"425XX","tags":null,"has_narrative":true,"complaint_id":"1937994","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2016-05-23T15:24:08.000Z","state":"KY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I <em>have</em> good relationship for over 1 years. I was a loyal card member never <em>miss</em> a <em>payment</em>. I notice fraud charges on my account and I notify Chase. Chase promtly took off my charges but then rebill it a month <em>later</em> on XXXX XXXX. Chase also closed my account. I do not know why a big bank like Chase would took those actions against customer while they lost their credit cards."]},"sort":[17.429823,"1937994"]},{"_index":"complaint-public-v1","_id":"5228494","_score":17.383732,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX has an account on my report showing missed payments from a Barclay 's account. I call Barclays and they say they have nothing under my SSN so they can not help. XXXX says Braclay 's is reporting the account as mine but can not tell me how they are confirming this ( THIS is the crux of the issue... how can a reporting company like XXXX ruin a consumers credit with ZERO evidence? ) Barclays is making a mistake but can not figure out how to correct it because no accounts are tied to me or my SSN so they can not look anything up. XXXX says they need a letter from barclays who can not provide a letter because they have no account in my name or under my SSN? So this bogus missed payments account is hurting my score and ability to refinance and there's nothing I can Do?! The credit agencies wield GREAT power yet have zero accountability, have proven to have insufficient security, and put people 's financial lives at risk, and report bogus items to innocent people 's reports which financially harms them, they extort people to pay fees to them ... and they need NO evidence, just a missed keystroke or the word of a desk jockey a half a world away to say a payment is late but they do not require an account number, any type of application verification to prove the person applied or agreed to an account, NOTHING< just the words of a stranger working at a XXXX corporation ... no evidence, no proof, nothing... and then I have no way to argue it because I am guilty until I prove myself innocent which I can not do because nobody have any information for me to verify who this bogus account actually belongs to... but it can stay on my report and harm me?! Makes perfect sense.","date_sent_to_company":"2022-02-16T21:35:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"054XX","tags":null,"has_narrative":true,"complaint_id":"5228494","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2022-02-16T21:35:36.000Z","state":"VT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The credit agencies wield GREAT power yet <em>have</em> <em>zero</em> accountability, <em>have</em> proven to <em>have</em> insufficient security, and put people 's financial lives at risk, and report bogus items to innocent people 's reports which financially harms them, they extort people to pay fees to them ... and they need NO evidence, just a <em>missed</em> keystroke or the word of a desk jockey a half a world away to say a <em>payment</em> is <em>late</em> but they do not require an account number, any type of application verification to prove the person"]},"sort":[17.383732,"5228494"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":493,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":493}]}},"product":{"doc_count":493,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":101,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":101}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":93,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit 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