{"took":133,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":391,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"4602432","_score":18.043789,"_source":{"product":"Debt collection","complaint_what_happened":"I Consumer XXXX entered into a consumer credit transaction with Navy Federal on XXXX XXXX. This consumer credit transaction arose from my credit card. 15 USC 1601 defines a Credit card as any card, plate, coupon book, or other credit card device existing for the purpose of obtaining money, property, labor, or services on credit. The Credit card that was used for this consumer credit transaction was my Social Security Card. My Social Security card/ number belongs to the Social Security Administration and anything purchased with my Social Security Card is the obligation of the United States XXXX","date_sent_to_company":"2021-08-04T04:59:49.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"30291","tags":null,"has_narrative":true,"complaint_id":"4602432","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2021-08-04T03:23:24.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["My Social <em>Security</em> card/ number <em>belongs</em> to the Social <em>Security</em> Administration and <em>anything</em> <em>purchased</em> with my Social <em>Security</em> Card is the obligation of the United States <em>XXXX</em>"]},"sort":[18.043789,"4602432"]},{"_index":"complaint-public-v1","_id":"4688066","_score":16.468248,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax will not remove 2 collection accounts that do not belong to me. \n\nXXXX XXXX XXXX XXXX was reported on XX/XX/2021 of {$1900.00}. I contacted this creditor and they told me that this account does not belong to my name, social security number or birthdate. They said they do not know why this is showing on my credit report, I disputed this collection twice. Nothing has been removed. \n\nXXXX XXXX XXXX was reported on XX/XX/2021 of {$490.00}. I also contacted this creditor and they told me that this account does not belong to my name, social security number or birthdate. They also stated they do not know why this is showing on my credit report, I disputed this collection twice. Nothing has been removed. \n\nXXXX XXXX XXXX stated they would launch an investigation and the general manager XXXX XXXX XXXX XXXX extension XXXX ) told me that this account belonged to someone else and they reported that to equifax but nothing has changed! \n\nMy credit score dropped, if I want to use my credit to purchase anything, my interest rate will increase due to open collection accounts that are not mine and I may even be denied for a loan because of equifaxs negligence.","date_sent_to_company":"2021-09-02T12:47:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"37934","tags":null,"has_narrative":true,"complaint_id":"4688066","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-09-02T12:38:14.000Z","state":"TN","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["My credit score dropped, if I want to use my credit to <em>purchase</em> <em>anything</em>, my interest rate will increase due to open collection accounts that are not mine and I may even be denied for a loan because of equifaxs negligence."],"sub_issue":["Information <em>belongs</em> to someone else"]},"sort":[16.468248,"4688066"]},{"_index":"complaint-public-v1","_id":"12132821","_score":16.203115,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"At XXXX I try to purchase a car never ever checking my credit score I find so many things that doesn't belong to me, yrs ago someone call me and said they were calling from SSDI saying I had cars and houses with drugs in my name I gave them my ss # and call social security office they said they would take care of it. Now that I want to do different things I can't .is there anything that can be done about this.","date_sent_to_company":"2025-02-19T21:12:18.000Z","issue":"Incorrect information on your report","sub_product":"Lease","zip_code":"10550","tags":null,"has_narrative":true,"complaint_id":"12132821","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FORD MOTOR CREDIT CO.","date_received":"2025-02-19T20:48:37.000Z","state":"NY","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["At <em>XXXX</em> I try to <em>purchase</em> a car never ever checking my credit score I find so many things that doesn't <em>belong</em> to me, yrs ago someone call me and said they were calling from SSDI saying I had cars and houses with drugs in my name I gave them my ss # and call social <em>security</em> office they said they would take care of it. Now that I want to do different things I can't .is there <em>anything</em> that can be done about this."],"sub_issue":["Information <em>belongs</em> to someone else"]},"sort":[16.203115,"12132821"]},{"_index":"complaint-public-v1","_id":"1723875","_score":16.168522,"_source":{"product":"Credit card","complaint_what_happened":"When I created a PayPal account to purchase a product through another vendor, they signed my up for a XXXX XXXX that I never agreed in opening. Now monthly I have a ding on my credit report as they state that they can not close or do anything about the account as it belongs to a different person with the same name but different date of birth, social security number, address and phone number. They state it was due to identity theft but neither of the XXXX organizations that I have monitoring service with state identity theft and that all information points to PayPal services with the billing address and phone number.","date_sent_to_company":"2016-01-11T18:02:20.000Z","issue":"Unsolicited issuance of credit card","sub_product":null,"zip_code":"78238","tags":null,"has_narrative":true,"complaint_id":"1723875","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2015-12-31T08:38:35.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["When I created a PayPal account to <em>purchase</em> a product through another vendor, they signed my up for a <em>XXXX</em> <em>XXXX</em> that I never agreed in opening. Now monthly I have a ding on my credit report as they state that they can not close or do <em>anything</em> about the account as it <em>belongs</em> to a different person with the same name but different date of birth, social <em>security</em> number, address and phone number."]},"sort":[16.168522,"1723875"]},{"_index":"complaint-public-v1","_id":"3992208","_score":15.374865,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am filing this report today XX/XX/XXXX because I found five accounts and a few inquiries on my credit report that do not belong to me. My personal information was stolen on XX/XX/XXXX including my ID and Social Security Card, I have an open investigation for that incident. I never opened these accounts or made these inquires and I did not allow anyone to open them in my name. I do not have a written/verbal contract with any of these companies nor did I gain anything from them being open in my name such as money, goods, services, or any other benefits. I did not make any transactions such as payments or purchases with any of these accounts. I filed a police report and a complaint with the CFPB regarding these unauthorized accounts. I need these accounts blocked as they are results of identity theft and do not belong to me. All my statements in this narrative are true and correct without any omission of facts.","date_sent_to_company":"2020-12-05T00:00:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"95127","tags":null,"has_narrative":true,"complaint_id":"3992208","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-12-04T23:57:19.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am filing this report today XX/XX/<em>XXXX</em> because I found five accounts and a few inquiries on my credit report that do not <em>belong</em> to me. My personal information was stolen on XX/XX/<em>XXXX</em> including my ID and Social <em>Security</em> Card, I have an open investigation for that incident. I never opened these accounts or made these inquires and I did not allow anyone to open them in my name."],"sub_issue":["Information <em>belongs</em> to someone else"]},"sort":[15.374865,"3992208"]},{"_index":"complaint-public-v1","_id":"2329426","_score":15.354205,"_source":{"product":"Credit reporting","complaint_what_happened":"Hello i called experian about an issue on my credit report telling them that my father and i have the same name and address and are mistaking me for him.My father and i have the exact same names. Then when they ran my social security number Experian told me XXXX different names popped up under my social security number and couldnt really narrow it down and told me to pound dirt. The account on my report is about XXXX and then they sent a letter taking them to court. The account was open about 15 years ago or more and im barely XXXX. So clearly it isnt possibly for me to even own a credit card. I havent heard anything back from them and its been longer than 30 days. Also wan na complain about how they failed to identify the correct person this debt belongs to cause now im unable to purchase a house for my wife and son.","date_sent_to_company":"2017-02-06T20:00:20.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"75006","tags":null,"has_narrative":true,"complaint_id":"2329426","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-02-06T20:00:19.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is not mine"},"highlight":{"complaint_what_happened":["Also wan na complain about how they failed to identify the correct person this debt <em>belongs</em> to cause now im unable to <em>purchase</em> a house for my wife and son."]},"sort":[15.354205,"2329426"]},{"_index":"complaint-public-v1","_id":"4230324","_score":14.254183,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Facts are I was sold a \" CLONE '' XXXX XXXX XXXX XXXX online 3-D website purchase is how your buy their cars. \n\nI purchased the vehicle on XX/XX/XXXX and it was delivered on XX/XX/XXXX byXXXXflatbed truck. I was informed on delivery I would receive my contract, license plates, and decal stickers delivered via mail. I never received any paperwork for the purchased vehicleXXXXthe dealership sold me a cloned vehicle and the subsidiary company BRIDGECREST sent letter informing they were deleting it from their records and all 3 credit bureaus to delete the account. \n\nNeedless to say, BRIDGECREST continues to send fraudulent presentments in the form of pay coupons to send them money I do not owe. Also, I had to file state attorney general consumer complaints on fraud contract and vehicle purchase I had for 10 months. I received a call from Georgia DMV Fraud Agent informing me I purchased a vehicle on their State thats not registered. \n\nThe companyXXXXcreated two fraud contracts as if I purchased the vehicle from state of Georgia when o purchased vehicle online from the state of Indiana. Fact is FBI has to get involved for fraud and other agencies for Odometor Fraud concerning Vehicle I purchased on XX/XX/XXXX. \n\nThe results are the vehicle is under investigation with Missouri Highway Patrol Fraud Agent, U.S. Department of Transportation Odometor Fraud Agent, and Georgia DMV Fraud agent. I have not heard anything since the vehicle was unlawful reposssed on XX/XX/XXXX. \n\nI received a call by FBI XXXX XXXX Agent XXXX informing me where to go to pick up my personal property. I have received fraudulent mail that is in violation of FDCPA 1692 ( e ) concerning my consumer rights being harassed about a cloned vehicle thats confirmed I purchased a vehicle that do not belong to me under fraudulent sales contract created byXXXXcompany and BRIDGECREST. \n\nI have sent certified mail with tracking number. Phone calls made on XX/XX/XXXX, to XXXX XXXX requesting all RECORDS be sent certified within ( 5 ) business days pertaining to the ( 2 ) Security Retail Agreements created by XXXX XXXX Underwriter without written express consent. They used a fraud SSN to create the vehicle sales contract that does NOT belong to me.","date_sent_to_company":"2021-03-19T04:09:15.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"37129","tags":"Servicemember","has_narrative":true,"complaint_id":"4230324","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bridgecrest Acceptance Corporation","date_received":"2021-03-19T01:50:47.000Z","state":"TN","company_public_response":null,"sub_issue":"Fraudulent loan"},"highlight":{"complaint_what_happened":["Phone calls made on XX/XX/<em>XXXX</em>, to <em>XXXX</em> <em>XXXX</em> requesting all RECORDS be sent certified within ( 5 ) business days pertaining to the ( 2 ) <em>Security</em> Retail Agreements created by <em>XXXX</em> <em>XXXX</em> Underwriter without written express consent. They used a fraud SSN to create the vehicle sales contract that does NOT <em>belong</em> to me."]},"sort":[14.254183,"4230324"]},{"_index":"complaint-public-v1","_id":"5811809","_score":14.083875,"_source":{"product":"Debt collection","complaint_what_happened":"I am aware that my SOCIAL SECURITY NUMBER belongs to the ( SSA ) SOCIAL SECURITY ADMINISTRATION and anything purchased with that Identifying number is as obligation of the UNITED STATES in accordance with 18 U.S.C 8 and being that you, PAYPAL is attempting to collect a debt from I, the consumer makes you, PAYPAL, guilty and in violation of the FALSE CLAIMS ACT ( FCA ) 31 U.S.C 3729-3733.\n\nPAYPAL IS ALSO IN VIOLATION OF 18 U.S.C 894 FOR USING MY CONSUMER REPORT WITH EXTORTIONATE MEANS AS A WAY TO COERCE AND SWINDLE ME INTO MAKING PAYMENTS ON ALLEGED DEBT NOT OWED. I DID NOT CONSENT AND DO NOT CONSENT TO YOU PAYPAL FURNISHING THIS INFORMATION TO MY CONSUMER REPORT. I did not give you authorization or permission to have my personal identifying information, which you have obtained by AGGREVATED IDENTITY THEFT in accordance with 18 U.S.C 1028A.\n\nTHIS A NOTICE TO CEASE AND DESIST OF ALL ILLEGAL ACTIVITIES, INCLUDING REPORTING WHICH CONSTITUTES COLLECTION ACTIVITIES.\n\nTHIS IS ALSO A NOTICE EXERCISING MY RIGHTS TO PREVENT THE PROCESSING OF MY PERSONAL DATA BY PAYPAL FOR THE ( 1 ) ACCOUNT OPENED : XXXXXXXX XXXX ACCOUNT # XXXX","date_sent_to_company":"2022-07-26T10:04:01.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"29115","tags":null,"has_narrative":true,"complaint_id":"5811809","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2022-07-26T09:56:12.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I am aware that my SOCIAL <em>SECURITY</em> NUMBER <em>belongs</em> to the ( SSA ) SOCIAL <em>SECURITY</em> ADMINISTRATION and <em>anything</em> <em>purchased</em> with that Identifying number is as obligation of the UNITED STATES in accordance with 18 U.S.C 8 and being that you, PAYPAL is attempting to collect a debt from I, the consumer makes you, PAYPAL, guilty and in violation of the FALSE CLAIMS ACT ( FCA ) 31 U.S.C 3729-3733."]},"sort":[14.083875,"5811809"]},{"_index":"complaint-public-v1","_id":"12097502","_score":13.928233,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I filed a complaint with CFPB already against Experian due to inaccurate information on my credit report I asked them to provide me with the purchase agreement or some form of proof that these debts belong to me I sent it certified mail and I have my receipt and copies it has been almost XXXX days and they refused to put a security freeze on any companies that they own denying me my right to privacy and did not send me proof of anything no documentation regarding my obligations or contracts I signed as it relates to my accounts my late payments were not updated to XXXX status no documentation or proof against any claim I made I still have XXXX negative accounts also that they still have on my report without giving me any proof or documentation and they still will not remove any inquiries that are not directly tied to an open account and remove all old phone numbers emails addresses and spellings of my name and update my information like they said they would do but never did","date_sent_to_company":"2025-02-22T02:44:48.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"958XX","tags":null,"has_narrative":true,"complaint_id":"12097502","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-16T21:25:04.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I filed a complaint with CFPB already against Experian due to inaccurate information on my credit report I asked them to provide me with the <em>purchase</em> agreement or some form of proof that these debts <em>belong</em> to me I sent it certified mail and I have my receipt and copies it has been almost <em>XXXX</em> days and they refused to put a <em>security</em> freeze on any companies that they own denying me my right to privacy and did not send me proof of <em>anything</em> no documentation regarding my obligations or contracts I signed"]},"sort":[13.928233,"12097502"]},{"_index":"complaint-public-v1","_id":"14134948","_score":13.761976,"_source":{"product":"Credit card","complaint_what_happened":"Dear CFPB members, I just want to report this problem to let other people to be aware. Yesterday - XXXX XX/XX/XXXX @ XXXX, I got a phone call from Discover Card - his name is XXXX XXXX said he saw someone charged on my credit card with amount {$950.00} from XXXX , AZ . I answered back that purchase is not belong to me. Asked him deny it. He asked me let him upgrade the security for my credit card, also my bank accounts. I did provided my DOB, SSN, address, Credit Card numbers and my bank accounts numbers. It took about 2 hours 36 minutes on the phone with him. At that moments, I think it's not right, I feel uncomfortable for this situation. I asked him why took so long, he said because he upgrade my bank accounts and my credit cards. After I got off the phone with him. I did called my Discover Card asked the representative saw anything purchase today. And I reported the situation for them and cancel my card. I also called my bank and reported the problem let the bank to be aware what's problem. I did called my other credit card and reported problem. As right now, I saw my XXXX XXXX XXXX XXXX purchased XXXX XXXX merchandise charged {$150.00}. I want report to CFPB to help others to be aware. \nI hope this will help others. \nVery Respectfully,","date_sent_to_company":"2025-06-17T14:52:19.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"70072","tags":null,"has_narrative":true,"complaint_id":"14134948","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2025-06-17T14:25:55.000Z","state":"LA","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Yesterday - <em>XXXX</em> XX/XX/<em>XXXX</em> @ <em>XXXX</em>, I got a phone call from Discover Card - his name is <em>XXXX</em> <em>XXXX</em> said he saw someone charged on my credit card with amount {$950.00} from <em>XXXX</em> , AZ . I answered back that <em>purchase</em> is not <em>belong</em> to me. Asked him deny it. He asked me let him upgrade the <em>security</em> for my credit card, also my bank accounts. I did provided my DOB, SSN, address, Credit Card numbers and my bank accounts numbers. It took about 2 hours 36 minutes on the phone with him."]},"sort":[13.761976,"14134948"]},{"_index":"complaint-public-v1","_id":"4057722","_score":13.757648,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I had my credit ran today XX/XX/2021 because I am trying to purchase a car but I was not approved for the auto loan because they said there were 2 accounts reflecting badly on my credit report. I was confused when they told me this because I know for a fact I do not have any bad accounts under my name. One account is from a company called XXXX XXXX and the other one is from XXXX XXXX XXXX. Neither of these accounts belong to me ; I didn't open them and I did not give anyone permission to open them on my behalf using my personal information such as my name, date of birth, address or social security number. I don't know who is responsible for these accounts but I did not benefit anything from these accounts. I also do not have any sort of written or verbal contract with either of those companies and I did not allow them to run or access my credit information. I have already filed a police report regarding these suspicious accounts.","date_sent_to_company":"2021-01-09T05:53:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"94533","tags":null,"has_narrative":true,"complaint_id":"4057722","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-01-09T00:48:28.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I had my credit ran today <em>XX/XX</em>/2021 because I am trying to <em>purchase</em> a car but I was not approved for the auto loan because they said there were 2 accounts reflecting badly on my credit report. I was confused when they told me this because I know for a fact I do not have any bad accounts under my name. One account is from a company called <em>XXXX</em> <em>XXXX</em> and the other one is from <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>."],"sub_issue":["Information <em>belongs</em> to someone else"]},"sort":[13.757648,"4057722"]},{"_index":"complaint-public-v1","_id":"4057725","_score":13.74407,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I had my credit ran today XX/XX/2021 because I am trying to purchase a car but I was not approved for the auto loan because they said there were 2 accounts reflecting badly on my credit report. I was confused when they told me this because I know for a fact I do not have any bad accounts under my name. One account is from a company called XXXX XXXX and the other one is from XXXX XXXX XXXX. Neither of these accounts belong to me ; I didn't open them and I did not give anyone permission to open them on my behalf using my personal information such as my name, date of birth, address or social security number. I don't know who is responsible for these accounts but I did not benefit anything from these accounts. I also do not have any sort of written or verbal contract with either of those companies and I did not allow them to run or access my credit information. I have already filed a police report regarding these suspicious accounts.","date_sent_to_company":"2021-01-09T05:54:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"94533","tags":null,"has_narrative":true,"complaint_id":"4057725","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-01-09T00:53:57.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I had my credit ran today <em>XX/XX</em>/2021 because I am trying to <em>purchase</em> a car but I was not approved for the auto loan because they said there were 2 accounts reflecting badly on my credit report. I was confused when they told me this because I know for a fact I do not have any bad accounts under my name. One account is from a company called <em>XXXX</em> <em>XXXX</em> and the other one is from <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>."],"sub_issue":["Information <em>belongs</em> to someone else"]},"sort":[13.74407,"4057725"]},{"_index":"complaint-public-v1","_id":"1530503","_score":13.280195,"_source":{"product":"Consumer Loan","complaint_what_happened":"There is an error on my credit report from Toyota Financial for a vehicle. I have asked the credit bureaus to remove it several time and they will not. They are saying that I co-signed/co-purchased a vehicle. The only problem with that is those are n't my signatures, I did n't co-sign for anything and I was not employed at that time. I asked the company to send me proof of my signatures, they sent me the documents with signatures that are not mine. In addition, information provided on the application was inaccurate, they did n't provide me with copies of my social security card or driver 's license. When buying a car this is what is requested. Seem like to me they just let someone use my information to co-buy/sign. I have written letters, disputed this several times on line, and I have even pled and explained how the signatures are n't mine as well as give proof to how the information that was provided on the application was incorrect. I would like to file a complaint against Toyota Financial and XXXX XXXX for this inquiry because I ca n't get another car loan for a loan that does not belong to me.","date_sent_to_company":"2015-08-21T18:14:42.000Z","issue":"Shopping for a loan or lease","sub_product":"Vehicle loan","zip_code":"38118","tags":null,"has_narrative":true,"complaint_id":"1530503","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TOYOTA MOTOR CREDIT CORPORATION","date_received":"2015-08-21T18:14:41.000Z","state":"TN","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I would like to file a complaint against Toyota Financial and <em>XXXX</em> <em>XXXX</em> for this inquiry because I ca n't get another car loan for a loan that does not <em>belong</em> to me."]},"sort":[13.280195,"1530503"]},{"_index":"complaint-public-v1","_id":"19057891","_score":12.788299,"_source":{"product":"Credit card","complaint_what_happened":"I am XXXX XXXX, the signer / actual creditor to the purchase money-credit contract for the above referenced account. The described above party is hereby notified of the following governing laws outlined below ; By all the reasons and laws stated below, the consumer transaction consummated with your company or business is fully considered PAID with FULL FAITH and CREDIT. As such, you are legally required to close any and all balance to said account to XXXX  and paid in full. \nThe account stated above is paid and has forever been paid in full by the power and authority given to your company or business when I personally was required and willfully provided my social security number. All legal binding contracts require a two party consideration in order to be legally comply and enforceable. \nMy half of the required consideration for this consumer transaction was satisfied by providing my social security number and signing of the Credit Agreement Contract you required. The Social Security Number issued to me by the Social Security Administration who is the true owner of the account, and ALL Debts or Contract Obligations are satisfied under the law.\n\nThe Social Security number belongs to the Social Security Administration and anything purchased with that identifier number is an obligation of the United States pursuant to Title 18 USC 8. Anyone attempting to collect a debt is guilty of False Claims Act ( FCA ) Title 31 USC 3729.\n\nLegal consideration on your company part was never provided, given or issued causing the contract alleged consumer credit debt to be VOID and uncollectable.\n\nNote : All remittance coupons attached to the monthly statements issued and provided by the Credit Servicer or allegedly Provider were coupons requesting endorsement only and not a demand for payment as it would be unlawful pursuant to the laws stated below.\n\nTitle 15 USC 1601 Anytime a social security number is provided for credit it is deemed payment in full and satisfaction of any debt or credit requested.\n\nTitle 12 USC 1431 Banks and Financial Institutions can not lend money because they can only borrow money / credit. In this case Consumer Credit was the receiver of the credit as a debtor and did not incur any debt on my behalf as a creditor or lender.\n\nTitle 13 U.S.C. 5103 Promissory Note/ Promise to Pay is the payment in full. By execution with my wet signature and stating the social security number on record on the contract document I created the credit as full faith and credit to this consumer transaction.\n\nTitle 15 USC 1602 ( g ) I, as the wet signer on the Credit Agreement and or Promissory Note and authorizing the use of my social security number am deemed the creditor not the debtor.\n\nTitle 12 USC 83 ( a ) The Credit Agreement fully executed is the FULL FAITH and CREIDT due to its monetization as well as securitization of the Promissory Note or Contract by the receiving party which is this case is the Party named above.\n\nAdditionally, you are required to immediately remove any incorrectly reported account information regarding this account such late payment and open balances due with ALL credit bureaus or face monetary penalties I will demand via legal prosecution pursuant to federal law stating herein.","date_sent_to_company":"2026-01-28T02:11:52.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"19057891","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2026-01-28T02:00:00.000Z","state":"CA","company_public_response":null,"sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["The Social <em>Security</em> Number issued to me by the Social <em>Security</em> Administration who is the true owner of the account, and ALL Debts or Contract Obligations are satisfied under the law.\n\nThe Social <em>Security</em> number <em>belongs</em> to the Social <em>Security</em> Administration and <em>anything</em> <em>purchased</em> with that identifier number is an obligation of the United States pursuant to Title 18 USC 8. Anyone attempting to collect a debt is guilty of False Claims Act ( FCA ) Title 31 USC 3729."]},"sort":[12.788299,"19057891"]},{"_index":"complaint-public-v1","_id":"5746410","_score":12.76801,"_source":{"product":"Debt collection","complaint_what_happened":"I am aware that my SSN belongs to the ( XXXX XXXX Social Security XXXX and anything purchased with that identifying number Is an obligation of the United States In accordance with 18 U.S.C 8 and being that you Eastern Account System of Connecticut INC is attempting to collect a debt from I, the consumer makes you guilty and In violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733.\n\nEastern Account System of Connecticut INC is In violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me Into making payments on alleged debt not owed. \nI DID NOT AND DO NOT CONSENT to you Eastern Account System of Connecticut INC furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. \n\nThis is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This ls also a NOTICE exercising my rights to prevent the processing of my personal data by Eastern Account System of Connecticut INC for the account you alleged that i owe. \n\nDelete the account from my credit report immediately, you have XXXXdays period.","date_sent_to_company":"2022-07-07T21:01:35.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"30135","tags":null,"has_narrative":true,"complaint_id":"5746410","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Eastern Account Systems of Connecticut, Inc.","date_received":"2022-07-07T20:34:37.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I am aware that my SSN <em>belongs</em> to the ( <em>XXXX</em> <em>XXXX</em> Social <em>Security</em> <em>XXXX</em> and <em>anything</em> <em>purchased</em> with that identifying number Is an obligation of the United States In accordance with 18 U.S.C 8 and being that you Eastern Account System of Connecticut INC is attempting to collect a debt from I, the consumer makes you guilty and In violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733."]},"sort":[12.76801,"5746410"]},{"_index":"complaint-public-v1","_id":"4911387","_score":12.705888,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/2021 i filed a complaint with CFPB because PORTFOLIO RECOV ASSOC has recently added a collection debt to all 3 of my credit reports twice after it being removed which are XXXX, XXXX and XXXX that do not belong to me which appears to be fraud with a past due balance of {$580.00}. \n\nI've never done business with PORTFOLIO RECOV ASSOC or wish to do business with this company, contract with this company or any one they are collecting for, i have never signed documents, contracts, agreements, to pay PORTFOLIO RECOV ASSOC because what ever they are trying to collect doesn't belong to me, i have never provided this company or gave them permission to authorize access to my social security number, private address, DOB or any personal information. \n\nPORTFOLIO RECOV ASSOC responded to the CFPB dispute saying they purchased a Debt from Capital one with a name similar as mine and trying to force me to pay for an account i never open, I called and ask them to send me a copy of documents with my signature or a copy of my drivers license/social card they have on file, because there are a lot of identity theft going on and i need those documents they are using to match me with the Fraud account so i can file a police report. When i ask for that info the lady hung up on me. \n\ni called back and a male guy picked up, and when i ask for the same information, i was told \" We don't need to provide you with anything, you owe this and need to pay us '' XXXX removed this fraud collection account on XX/XX/2021 and PORTFOLIO RECOV ASSOC added right back on XX/XX/2021","date_sent_to_company":"2021-11-15T15:21:54.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"28105","tags":null,"has_narrative":true,"complaint_id":"4911387","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2021-11-15T14:39:16.000Z","state":"NC","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["On <em>XX/XX</em>/2021 i filed a complaint with CFPB because PORTFOLIO RECOV ASSOC has recently added a collection debt to all 3 of my credit reports twice after it being removed which are <em>XXXX</em>, <em>XXXX</em> and <em>XXXX</em> that do not <em>belong</em> to me which appears to be fraud with a past due balance of {$580.00}."]},"sort":[12.705888,"4911387"]},{"_index":"complaint-public-v1","_id":"4545094","_score":12.67576,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"THIS IS NOT A DUPLICATE. RESUBMITTING COMPLAINT SINCE DOCUMENTS WOULD NOT LOAD IN LAST ONE. Santander Consumer USA has repeatedly violated my Consumer rights, and right to operate in commerce. I purchased a vehicle as a consumer transaction back in XXXX using my social security number. My social security card/number belongs to the Social Secuirty Administration and anything purchased with your social is the obligation of the United States in accordance to Truth in Lending 15 USC 1601. A credit card ( as defined under 15 USC 1601 ( I ) the term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. The FDCPA 15 USC 1692 never uses the term Borrower. I can not borrow my own money. Santander Consumer USA has referred to me as a Borrower in contract which is a violation. The only one who can extend credit is the one creating the debt, which is done with the use of my social security card/number. Banks can not loan money, it is illegal for a bank to loan money or extend credit. I have expressed these violations through mail which Santander Consumer USA has stated on record they received. I submitted an affidavit of truth, cease and desist granting my title lien free, an invoice of {$3000.00} for violating my federal protected consumer rights, and a debt validation letter. Santander Consumer USA has yet to provide me with a sworn affidavit of truth or a proper debt validation letter which again is in violation of 15 USC 1692. I have the right to request any and all debt validation. Santander Consumer USA has a clear and blatant disregard for federal law and continued to send me statements requesting to pay an alleged debt on a consumer transaction XXXX another violation of 15 USC 1692 ) and are now threatening to repossess my vehicle which will be theft. I have also expressed my Consumer right to demand all reporting to consumer and credit retorting agencys must cease and desist, and that demand has not been met. Santander Consumer USA is actively damaging my reputation and in violation of the FCRA 15 USC 1681.","date_sent_to_company":"2021-07-15T15:40:06.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Loan","zip_code":"33137","tags":null,"has_narrative":true,"complaint_id":"4545094","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Santander Consumer USA Holdings Inc.","date_received":"2021-07-15T15:07:44.000Z","state":"FL","company_public_response":null,"sub_issue":"Unable to receive car title or other problem after the loan is paid off"},"highlight":{"complaint_what_happened":["I <em>purchased</em> a vehicle as a consumer transaction back in <em>XXXX</em> using my social <em>security</em> number. My social <em>security</em> card/number <em>belongs</em> to the Social Secuirty Administration and <em>anything</em> <em>purchased</em> with your social is the obligation of the United States in accordance to Truth in Lending 15 USC 1601."]},"sort":[12.67576,"4545094"]},{"_index":"complaint-public-v1","_id":"10233103","_score":12.574956,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I was looking at my consumer report and notice a few things wasnt in accordance with federal laws I seen that XXXX XXXX XXXX opened XXXX XXXX amount XXXX but the federal law states the social security number belongs to the XXXX and anything purchased with that identifier number is in obligation of the United States XXXX XXXX means that anyone attempting to collect a debt from me is guilty under the false claims act [ XXXX XXXX XXXX XXXX XXXX I also was required to put money down for the transaction title XXXX XXXX sec XXXX all debts are United States XXXX and there is plenty more laws made by XXXX XXXX protect me as the consumer XXXX XXXX XXXX states asking for social security number on any credit transactions or loans is against the law because there is no lawful money and it is a XXXX XXXX XXXX banks cant loan money because theyre the borrowers. XXXX XXXX tell us how to use a negotiable XXXX XXXX XXXX. XXXX XXXX they arent supposed to report transactions XXXX XXXX XXXX I am the original creditor. XXXX XXXX XXXX finance charge shall be the sum of all charges, if it isnt its a violation and these other laws should be looked into XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a federal statute that prohibits the use of extortionate means to collect or attempt to collect credit extensions, or to punish nonrepayment. The statute is part of XXXX XXXX, XXXX XXXX of the XXXX XXXX, which covers crimes and criminal procedure. These persons have violated my federally protected rights. Banks have been committing fraud since 1933 knowingly and willingly deceives the XXXX XXXX for XXXX gain every loan agreement I sign is actually a payable instrument used to pay for the service/ product so in fact its actually an exchange and not a loan in an exchange you are trading things of equal value by using my social security number.","date_sent_to_company":"2024-09-25T02:54:59.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"30252","tags":null,"has_narrative":true,"complaint_id":"10233103","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-25T02:52:04.000Z","state":"GA","company_public_response":null,"sub_issue":"Confusing or misleading advertising or marketing"},"highlight":{"complaint_what_happened":["I was looking at my consumer report and notice a few things wasnt in accordance with federal laws I seen that <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> opened <em>XXXX</em> <em>XXXX</em> amount <em>XXXX</em> but the federal law states the social <em>security</em> number <em>belongs</em> to the <em>XXXX</em> and <em>anything</em> <em>purchased</em> with that identifier number is in obligation of the United States <em>XXXX</em> <em>XXXX</em> means that anyone attempting to collect a debt from me is guilty under the false claims act [ <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> I also was required to put money down for the transaction"]},"sort":[12.574956,"10233103"]},{"_index":"complaint-public-v1","_id":"21747720","_score":12.267274,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX, XXXX, 2026 XXXX XXXX XXXX XXXX XXXX XXXX, SOuth Carolina XXXX Last ssn-XXXX Credence Resource Management RE : Fraud/Aggravated Identity Theft - Account-xxx I am aware that Social Security Number belongs to the Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18b U. S. C and being that Credence Resource Management is attempting to collect a debt from L the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U. S. C 3729-3733.\n\nCredence Resource Management It is also in violation of 18 U.S. C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments or paying on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you XXXX XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 USC 1028A. \nThis is a notice to Cease and Desist of all illegal activities, including reporting which constitutes collection activities. This is also Notice exercising my right to prevent the processing of my personal data By Credence Resource Management for the account opened listed above. \nFailure to remove the account in 15 days from my consumer report as requested will result in legal matters being taken and me turning Credence Resource Management into the FTC ( Federal Trade Commission for aggravated identity theft and Fraud. \nIf this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply. \nIn regards I am, XXXX XXXX Without Prejudice All Natural","date_sent_to_company":"2026-05-05T17:36:05.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"29488","tags":null,"has_narrative":true,"complaint_id":"21747720","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Kriya Capital, LLC","date_received":"2026-04-30T14:10:08.000Z","state":"SC","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["<em>XXXX</em>, <em>XXXX</em>, 2026 <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, SOuth Carolina <em>XXXX</em> Last ssn-<em>XXXX</em> Credence Resource Management RE : Fraud/Aggravated Identity Theft - Account-xxx I am aware that Social <em>Security</em> Number <em>belongs</em> to the Social <em>Security</em> Administration and <em>anything</em> <em>purchased</em> with that identifying number is an obligation of the United States in accordance with 18b U. S."]},"sort":[12.267274,"21747720"]},{"_index":"complaint-public-v1","_id":"5756209","_score":12.211136,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I just contacted Capital One Auto Finance and spoke with representative XXXX ID # XXXX and was then transferred to XXXX # ID RNI regarding inaccurate information being furnished to my credit report. Capital One Auto Finance reported a 30 day late payment for the month of XX/XX/2022 which is incorrect, and also a violation of my federally protected consumer rights. The violations under this consumer credit transaction are clearly present, the LAW states transactions between the consumer, ME ( XXXX XXXX ), and the person, YOU ( Capital One Auto Finance ) making the report is not included on my consumer report. A late payment is transactional history, my HISTORY with your company. Congress clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction or experience on my consumer report which CONGRESS clearly states IS NOT included on my consumer reports. I also asked XXXX if he knew what the definition of finance charge was and he stated he could not give me legal advise. I am unsure how that question constituted as giving legal advise. I explained to XXXX that the definition of finance charge is the SUM of all charges, so how could I be late if the finance charge is the SUM of all charges? This would constitute as a billing error. I am aware and well informed of my consumer rights, and I understand that the accounts receivable are due to investors and that I gave securities during this transaction and the interest and proceeds which have accrued on the account should of paid for the transaction otherwise there has been no valuable consideration given. I am aware that my SSN belongs to the Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 USC 8.","date_sent_to_company":"2022-07-11T15:58:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30019","tags":null,"has_narrative":true,"complaint_id":"5756209","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2022-07-11T15:00:51.000Z","state":"GA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am aware that my SSN <em>belongs</em> to the Social <em>Security</em> Administration and <em>anything</em> <em>purchased</em> with that identifying number is an obligation of the United States in accordance with 18 USC 8."]},"sort":[12.211136,"5756209"]},{"_index":"complaint-public-v1","_id":"9054098","_score":12.191644,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I went for a job at XXXX in XXXX XXXX, fl. I moved to the next level of the hiring process well as onsite walk around and was offered the position of XXXX XXXX, pay at XXXX an hour and the schedule i will be working. I accepted the offer and signed that i accepted it. The background check came after that by first advantage who conducted the background check. The first thing that popped up from the background check post that i was on The XXXX XXXX for XXXX Offenders. My best friend who was with me at the time type in on her phone to see it again and it was gone. Then it was questions asking me what age was I and what age was the victim. Their has never been a victim and i have never ever been on any type of XXXX or XXXX offenders registry ever before. The it had my charges of the same at least XXXX time When my petty theft is XXXX which still said i was eligible my felony it stated decisional. My roommate charges are wat worse than mine and she gets hired for a different position but same company and i dont. The address on my report state i lived at XXXX different places which is not true. It also had me living in Florida and Virginia at the same time. I never used the last name Easterly ever in my life. I never ever spelled my name XXXX. I have never used or post my son social security number for anything only but for school registry. I have never ever XXXX XXXX use social security number to order, buy, purchase of get a loan in my name for anything. The social security number ending in XXXX i do not know who that belongs too. An Experian account was mase in my name XXXX XXXX XXXX who made herself co applicant and all the things i listed wrong from my background check is all the same stuff thats on this Experian account she put in my name. Their are also some other accounts on this Experian account that do not brlong to me as well like the XXXX XXXX and XXXX XXXX account about a sprint phone that definitely do not belong to me The XXXX offenders report or me being put on that XXXX go all the way back to XXXX of 2019 as being looked at in that type of manner through First Advantage and Lexis Nexis Done by my ex XXXX XXXX and her male companion of a different culture. She had this done to me and First advantage is using this in the wrong manner along with XXXX. I have retain legal consultant for this because now i can not even sit outside my house where as cars are stopping.people i do not know are getting on their phone telling others what i am wearing and my location. I feel i am being caused great harm or someone is going to do something to me because what they did. This has hindered me in retaining employment and how to live. I am taking this matter all the way to the top because you have allowed XXXX XXXX to put false information on me and now i fear my life is in danger","date_sent_to_company":"2024-05-21T06:23:00.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"34287","tags":null,"has_narrative":true,"complaint_id":"9054098","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-05-21T05:36:21.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["I never ever spelled my name <em>XXXX</em>. I have never used or post my son social <em>security</em> number for <em>anything</em> only but for school registry. I have never ever <em>XXXX</em> <em>XXXX</em> use social <em>security</em> number to order, buy, <em>purchase</em> of get a loan in my name for <em>anything</em>. The social <em>security</em> number ending in <em>XXXX</em> i do not know who that <em>belongs</em> too."]},"sort":[12.191644,"9054098"]},{"_index":"complaint-public-v1","_id":"9898479","_score":12.125503,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I was looking at my consumer report and notice a few things wasnt in accordance with federal laws I seen that XXXXXXXX XXXX XXXX XXXX opened XX/XX/XXXX amount XXXX but the federal law states the social security number belongs to the XXXX and anything purchased with that identifier number is in obligation of the United States USC 8 means that anyone attempting to collect a debt from me is guilty under the false claims act [ FCA ] 31 U.S.C 3729 I also was required to put money down for the transaction title 31 USC sec 3123 all debts are United States Obligations and there is plenty more laws made by Congress that protect me as the consumer 42 USC 408 states asking for social security number on any credit transactions or loans is against the law because there is no lawful money and it is a crime.12 USC 1431 banks cant loan money because theyre the borrowers. UUC 3-104 tell us how to use a negotiable instrument,31 USC 5118. 1681 2a they arent supposed to report transactions 15 USC 1602 I am the original creditor. 15 USC 1605 finance charge shall be the sum of all charges, if it isnt its a violation and these other laws should be looked into 15 USC 1635, 15 USC 1662,12CFR s 202,15 USC 1602g USC 8, 12 USC 95a , 18 USC 894 is a federal statute that prohibits the use of extortionate means to collect or attempt to collect credit extensions, or to punish nonrepayment. The statute is part of XXXX XXXX, XXXX XXXX of the U.S. Code, which covers crimes and criminal procedure. These persons have violated my federally protected rights. Banks have been committing fraud since XXXX knowingly and willingly deceives the XXXX XXXX for financial gain every loan agreement I sign is actually a payable instrument used to pay for the service/ product so in fact its actually an exchange and not a loan in an exchange you are trading things of equal value by using my social security number.","date_sent_to_company":"2024-08-24T00:00:25.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"30340","tags":null,"has_narrative":true,"complaint_id":"9898479","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-08-23T23:55:59.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or misleading advertising or marketing"},"highlight":{"complaint_what_happened":["I was looking at my consumer report and notice a few things wasnt in accordance with federal laws I seen that XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> opened XX/XX/<em>XXXX</em> amount <em>XXXX</em> but the federal law states the social <em>security</em> number <em>belongs</em> to the <em>XXXX</em> and <em>anything</em> <em>purchased</em> with that identifier number is in obligation of the United States USC 8 means that anyone attempting to collect a debt from me is guilty under the false claims act [ FCA ] 31 U.S.C 3729 I also was required to put money down for the transaction"]},"sort":[12.125503,"9898479"]},{"_index":"complaint-public-v1","_id":"9899231","_score":12.107849,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I was looking at my consumer report and notice a few things wasnt in accordance with federal laws I seen that XXXX XXXX XXXX opened XXXX XXXX amount {$8400.00} but the federal law states the social security number belongs to the XXXX and anything purchased with that identifier number is in obligation of the United States USC 8 means that anyone attempting to collect a debt from me is guilty under the false claims act [ FCA ] 31 U.S.C 3729 I also was required to put money down for the transaction title 31 USC sec 3123 all debts are United States Obligations and there is plenty more laws made by Congress that protect me as the consumer 42 USC 408 states asking for social security number on any credit transactions or loans is against the law because there is no lawful money and it is a crime.12 USC 1431 banks cant loan money because theyre the borrowers. UUC 3-104 tell us how to use a negotiable instrument,31 USC 5118. 1681 2a they arent supposed to report transactions 15 USC 1602 I am the original creditor. 15 USC 1605 finance charge shall be the sum of all charges, if it isnt its a violation and these other laws should be looked into 15 USC 1635, 15 USC 1662,12CFR s 202,15 USC 1602g USC 8, 12 USC 95a , 18 USC 894 is a federal statute that prohibits the use of extortionate means to collect or attempt to collect credit extensions, or to punish nonrepayment. The statute is part of Title 18, XXXX XXXX of the U.S. Code, which covers crimes and criminal procedure. These persons have violated my federally protected rights. Banks have been committing fraud since 1933 knowingly and willingly deceives the American people for financial gain every loan agreement I sign is actually a payable instrument used to pay for the service/ product so in fact its actually an exchange and not a loan in an exchange you are trading things of equal value by using my social security number.","date_sent_to_company":"2024-08-23T22:41:58.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"30340","tags":null,"has_narrative":true,"complaint_id":"9899231","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-23T21:23:29.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or misleading advertising or marketing"},"highlight":{"complaint_what_happened":["I was looking at my consumer report and notice a few things wasnt in accordance with federal laws I seen that <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> opened <em>XXXX</em> <em>XXXX</em> amount {$8400.00} but the federal law states the social <em>security</em> number <em>belongs</em> to the <em>XXXX</em> and <em>anything</em> <em>purchased</em> with that identifier number is in obligation of the United States USC 8 means that anyone attempting to collect a debt from me is guilty under the false claims act [ FCA ] 31 U.S.C 3729 I also was required to put money down for the transaction"]},"sort":[12.107849,"9899231"]},{"_index":"complaint-public-v1","_id":"10232202","_score":12.096037,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I was looking at my consumer report and notice a few things wasnt in accordance with federal laws I seen that XXXX XXXX XXXX opened XXXX XXXX amount XXXX but the federal law states the social security number belongs to the SSA and anything purchased with that identifier number is in obligation of the United States USC 8 means that anyone attempting to collect a debt from me is guilty under the false claims act [ FCA ] 31 U.S.C 3729 I also was required to put money down for the transaction title 31 USC sec 3123 all debts are United States Obligations and there is plenty more laws made by Congress that protect me as the consumer 42 USC 408 states asking for social security number on any credit transactions or loans is against the law because there is no lawful money and it is a crime.12 USC 1431 banks cant loan money because theyre the borrowers. UUC 3-104 tell us how to use a negotiable instrument,31 USC 5118. 1681 2a they arent supposed to report transactions 15 USC 1602 I am the original creditor. 15 USC 1605 finance charge shall be the sum of all charges, if it isnt its a violation and these other laws should be looked into 15 USC 1635, 15 USC 1662,12CFR s 202,15 USC 1602g USC 8, 12 USC 95a , 18 USC 894 is a federal statute that prohibits the use of extortionate means to collect or attempt to collect credit extensions, or to punish nonrepayment. The statute is part of Title 18, Chapter 42 of the U.S. Code, which covers crimes and criminal procedure. These persons have violated my federally protected rights. Banks have been committing fraud since XXXX  knowingly and willingly deceives the American people for financial gain every loan agreement I sign is actually a payable instrument used to pay for the service/ product so in fact its actually an exchange and not a loan in an exchange you are trading things of equal value by using my social security number.","date_sent_to_company":"2024-09-25T02:58:16.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"30252","tags":null,"has_narrative":true,"complaint_id":"10232202","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-25T02:56:00.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or misleading advertising or marketing"},"highlight":{"complaint_what_happened":["I was looking at my consumer report and notice a few things wasnt in accordance with federal laws I seen that <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> opened <em>XXXX</em> <em>XXXX</em> amount <em>XXXX</em> but the federal law states the social <em>security</em> number <em>belongs</em> to the SSA and <em>anything</em> <em>purchased</em> with that identifier number is in obligation of the United States USC 8 means that anyone attempting to collect a debt from me is guilty under the false claims act [ FCA ] 31 U.S.C 3729 I also was required to put money down for the transaction title 31"]},"sort":[12.096037,"10232202"]},{"_index":"complaint-public-v1","_id":"5748430","_score":12.093795,"_source":{"product":"Checking or savings account","complaint_what_happened":"PAYPAL Case ID : XXXX Disputed amount : {$590.00} USD Buyer info : XXXX XXXX Shipping address : XXXX XXXX XXXX XXXX, TX XXXX XXXX reported XXXX XX/XX/2022 Invoice ID : XXXX Transaction ID : XXXX This is a problem related to several cases of fraudulent activity on our website ( XXXXXXXX XXXX XXXX XXXX ). This is one of the cases that was closed in the buyer 's favor with no investigation of the reported case to PayPal.\n\nSeveral unauthorized purchases were done through our website without us noticing it. We sent out the items purchased to find out later they were fraudulent purchases. We reported these purchases to our website platform and to PayPal, our checkout platform. \n\nPayPal at that time told us the transactions looked legit and there were no claims at that time and they could not do anything. I insisted because the orders kept coming in, I reported the IP addresses as coming all from XXXX ( I reported it to them as well ) and basically I could not do anything about it. \n\nThen the cases against us for unauthorized activity came through, we have 2 closed cases with a chargeback in favor of the buyer and 4 open cases, there will be more coming.\n\nAfter 100 min on the phone and 6 transfers, I spoke finally with a supervisor ( XXXX ) at XXXX XXXX  who noticed that the tracking number provided for the case had not been submitted to the credit institution for proof of delivery and assured me the chargeback would be credited to our account until a new revision of the case was done. That did not happen, instead, I received an email from a person in PayPal XXXX telling me that they understand we are upset and to contact them through the message center. \n\nThe message center now tells me that the credit institution has the final saying and PayPal has nothing to do with it. \n\nPayPal authorized these transactions even when they did not meet their criteria ( unmatching zip code, address and/or XXXX  ) XXXX PayPal assures its clients to have high technology to detect fraud and that we can rest assured of transactions being monitored. They also encourage us to report suspicious activity and fraud for them to act in our favor. \n\nNot the case. They insist to treat every transaction separately and wait until the buyer places a claim. \n\nMeanwhile, we sent out thousands of dollars worth of merchandise to who knows who, because the addresses do not belong to the buyers. That means somebody is picking up tractor parts all over the US through this fraud. \n\nI hope you can get in touch with the involved parties and report that this family business is not responsible for the reimbursement of thousands of dollars to people victims of fraud. We followed the good practice to have a platform offering security and support in these cases and they failed, I am sure PayPal has coverage against fraud as well as the credit institutions.","date_sent_to_company":"2022-07-08T15:27:56.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Other banking product or service","zip_code":"754XX","tags":null,"has_narrative":true,"complaint_id":"5748430","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2022-07-08T14:47:04.000Z","state":"TX","company_public_response":null,"sub_issue":"Can't stop withdrawals from your account"},"highlight":{"complaint_what_happened":["Several unauthorized <em>purchases</em> were done through our website without us noticing it. We sent out the items <em>purchased</em> to find out later they were fraudulent <em>purchases</em>. We reported these <em>purchases</em> to our website platform and to PayPal, our checkout platform. \n\nPayPal at that time told us the transactions looked legit and there were no claims at that time and they could not do <em>anything</em>."]},"sort":[12.093795,"5748430"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":391,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":391}]}},"product":{"doc_count":391,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":178,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":177},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Debt 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