{"took":496,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1241,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3096928","_score":15.8235855,"_source":{"product":"Checking or savings account","complaint_what_happened":"THIS IS NOT A REQEST TO COMMUNICATE WITH THE INVOLVED FINANCIAL INSTITUTION ON MY BEHALF. THIS IS A COMPLAINT SUPPORTING A REQUEST FOR INVESTIGATION. A COMPLETE NARRATIVE AND IDENTIFICATION OF PARTIES INVOLVED ARE ATTACHMENTS TO THIS ONLINE SUBMISSION. \n\nAs treasurer of a condominium I discovered that my signature on a bank deposit-account agreement was abused by the bank and its business partner ( s ) to the extent that the bank : generated false  corporate resolutions for use in opening a deposit account ; provided forms and used those forms with its business partner ( s ) which allowed and authorized account signers unknown to the account holder ; specifically accepted account \" control persons '' designated by its business partner ( s )  who are unknown to the account holder ; lied about the existence of documents it accepted from its business partner ( s ) and which became a part of the deposit agreement authorizing unknown control persons and account signers. \n\nI became suspicious during the account opening process when uncovering the above-described activities. As a result the condominium did not deposit funds at this particular bank. I discovered that this bank has a nation-wide program in which the association almost became involved. \n\nWhat initially captured my attention is that the bank allowed a third-party to designate an account \" control person '' when the condominium association left a \" beneficial ownership '' designation area blank. That is exactly what happened when the third-party -- a condominium management company as a bank business partner -- withheld from the association that page containing the beneficial ownership designation box. \n\nMy suspicion is that many homeowner associations do not know that they have shared their account authority with unknown others, and that deposits and other account activity is generated while under the control of persons unknown to the account holders. The security implications of this seemingly well thought-out and well-executed bank program appear significant.","date_sent_to_company":"2018-12-10T18:51:04.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"329XX","tags":null,"has_narrative":true,"complaint_id":"3096928","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WESTERN ALLIANCE BANCORPORATION","date_received":"2018-12-10T18:28:51.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account opened as a result of fraud"},"highlight":{"complaint_what_happened":["are unknown to the <em>account</em> holder ; lied about the existence of documents it accepted from its <em>business</em> partner ( s ) and <em>which</em> became a part of the deposit agreement authorizing unknown <em>control</em> persons and <em>account</em> signers."],"product":["Checking or savings <em>account</em>"],"issue":["Opening an <em>account</em>"],"sub_product":["Checking <em>account</em>"],"sub_issue":["<em>Account</em> opened as a result of fraud"]},"sort":[15.8235855,"3096928"]},{"_index":"complaint-public-v1","_id":"3228732","_score":14.622479,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/2019, I login to my Capital One Credit Card account to review activity and to make a payment like normal. I got a message to send a pin to my cell phone, which I no longer have. I told them that I no longer carry mobile devices and could they send the code to my email address like they send my monthly statement. They told that that is not an option. They are forcing customers to download their app to an electronic device to review account activity. I understand they are trying to put security controls in place, but as a consumer that should not be the only option for me to view my account online. I have other bank accounts and they also have the same security feature that allows me to receive the security code via. email. I believe this is a strategic business tactic to force customer to use their app. \n\nIn the attempt to give me other options, which I think is more of a security breach. They asked me if they can send the security code to a family member cell phone. If you are willing to send the security code to a non-customer cell phone, why you do not give me the option to receive the code via. email. This security measure is preventing me to access my credit card account online to make timely payments. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2019-05-01T20:19:58.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"75287","tags":null,"has_narrative":true,"complaint_id":"3228732","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2019-05-01T19:57:57.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["I understand they are trying to put <em>security</em> <em>controls</em> in place, but as a consumer that should not be the only option for me to view my <em>account</em> online. I have other bank <em>accounts</em> and they also have the same <em>security</em> feature that allows me to receive the <em>security</em> code via. email. I believe this is a strategic <em>business</em> tactic to force customer to use their app. \n\nIn the attempt to give me other options, <em>which</em> I think is more of a <em>security</em> breach."]},"sort":[14.622479,"3228732"]},{"_index":"complaint-public-v1","_id":"4276677","_score":14.108699,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Fraudulent Letter from Equifax Identity theft Ex-spouse, XXXX XXXX sent the letter. \n\nHe and XXXX XXXX have access to credit reports, making changes, disputing addresses to mask identity theft and money mule schemes. \n\nThey have control of my social security number subjecting me to denial of service. \n\nI have had no access to any business external, can not write or call Equifax, hijacked cell phone and mail theft. \n\nThey have held me hostage to criminals and schemes by impersonating businesses, credit agencies and taking funds I have paid for bills. \n\nMy information is on the dark web which they operate. \n\nIn the process of having it resolved. thank you. \n\nCould not get freeze on accounts, impersonating representatives for Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2021-04-07T00:25:19.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"212XX","tags":null,"has_narrative":true,"complaint_id":"4276677","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-04-06T23:53:49.000Z","state":"MD","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["They have <em>control</em> of my social <em>security</em> number subjecting me to denial of service. \n\nI have had no access to any <em>business</em> external, can not write or call Equifax, hijacked cell phone and mail theft. \n\nThey have held me hostage to criminals and schemes by impersonating <em>businesses</em>, credit agencies and taking funds I have paid for bills. \n\nMy information is on the dark web <em>which</em> they operate. \n\nIn the process of having it resolved. thank you."],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[14.108699,"4276677"]},{"_index":"complaint-public-v1","_id":"20809802","_score":14.008724,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this complaint because Truist failed to maintain and apply adequate security controls on my business account, which allowed unauthorized access and caused a substantial financial loss. \nOn XX/XX/year>, an unauthorized person gained access to my account and was able to change the phone number used for two factor authentication to a number that was not mine. After that security change, two unauthorized ACH transfers totaling {$19000.00} were processed from my account. There were also two deposits posted to the account that I did not recognize or authorize. \nI discovered the fraud on the same day and notified Truist within hours. Truist has opened a fraud investigation, which is currently ongoing. However, I have been informed that if the funds can not be recovered, reimbursement may not be provided. \nMy concern is that a critical security credential tied to account access was changed by an unauthorized party, and unauthorized ACH activity was allowed afterward, despite being inconsistent with my account activity and authorization. \nI am requesting a full investigation, a written explanation of how the two factor authentication phone number was changed, what verification procedures were used, why the ACH transfers were permitted after the account takeover, and reimbursement for all unauthorized losses if confirmed fraudulent.","date_sent_to_company":"2026-03-31T16:03:13.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"34638","tags":"Servicemember","has_narrative":true,"complaint_id":"20809802","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2026-03-31T15:38:09.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I am filing this complaint because Truist failed to maintain and apply adequate <em>security</em> <em>controls</em> on my <em>business</em> <em>account</em>, <em>which</em> allowed unauthorized access and caused a substantial financial loss. \nOn XX/XX/year>, an unauthorized person gained access to my <em>account</em> and was able to change the phone number used for two factor authentication to a number that was not mine. After that <em>security</em> change, two unauthorized ACH transfers totaling {$19000.00} were processed from my <em>account</em>."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[14.008724,"20809802"]},{"_index":"complaint-public-v1","_id":"10648630","_score":13.984049,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I contacted Transunion on XX/XX/XXXX around XXXXXXXX XXXX and talked to a XXXX who refused to give me her employee number after she was rude, unhelpful and refused me access to my report claiming I did not answer the security questions correctly which I DID, she also denied me the ability to remove to freeze and security alert permanently after I have had continual issues with them and their webpage, after not being able to access my account online AGAIN to put my credit freeze I removed temporarily back on my report and asked her to update my phone number on my security alert I placed on my account after having my data breached XXXX since XXXX!!!! She then refused to let me talk to a manager five times and said she had to have them call me, but finally sent me to XXXX XXXX who asked me XXXX questions and secured the account within XXXX minutes after she wasted half an hour gathering all of my PII and life history and did nothing to help me! I want her fired!!! I want the credit bureaus shut down they are worthless and only put everyones data at risk!! All three have been hacked and breached my information than the XXXX  have you say all of your PII outloud again in front of everyone around you at the business and their coworkers as well as enter it online!! Is it any wonder every person has been hacked numerous times??? They have no business having and trying to control our data or treating us as criminals when we make a call or change!! They should have updated my phone number months ago on my security alert with my current number in my account and all three bureaus should be interconnected so they can update any of these changes per the FCRA and FDCPA all data on all credit reports are to be accurate and the same and updated between them, yet XXXX said they do not do this!!! XXXX XXXX XXXXXXXX do they do other than report incorrect information, try to control our data and correct businesses by XXXX XXXX XXXX and ruining our credit and gathering our new information to help them skiptrace!!! This country ran XXXX percent better before they ever were created! They also should be made to only use personal security words to verify who we are not blasting all of our PII all over the call center and making us do the same from the business!!!! XXXX","date_sent_to_company":"2024-11-01T00:37:39.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"62801","tags":null,"has_narrative":true,"complaint_id":"10648630","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-31T23:44:06.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I contacted Transunion on XX/XX/XXXX around XXXXXXXX XXXX and talked to a XXXX who refused to give me her employee number after she was rude, unhelpful and refused me access to my report claiming I did not answer the <em>security</em> questions correctly <em>which</em> I DID, she also denied me the ability to remove to freeze and <em>security</em> alert permanently after I have had continual issues with them and their webpage, after not being able to access my <em>account</em> online AGAIN to put my credit freeze I removed temporarily"],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[13.984049,"10648630"]},{"_index":"complaint-public-v1","_id":"10646933","_score":13.984049,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I contacted XXXX on XX/XX/XXXX around XXXXXXXX XXXX and talked to a XXXX who refused to give me her employee number after she was rude, unhelpful and refused me access to my report claiming I did not answer the security questions correctly which I DID, she also denied me the ability to remove to freeze and security alert permanently after I have had continual issues with them and their webpage, after not being able to access my account online AGAIN to put my credit freeze I removed temporarily back on my report and asked her to update my phone number on my security alert I placed on my account after having my data breached XXXX since XXXXXXXX  She then refused to let me talk to a manager five times and said she had to have them call me, but finally sent me to XXXX XXXX who asked me five questions and secured the account within three minutes after she wasted half an hour gathering all of my PII and life history and did nothing to help me! I want her fired!!! I want the credit bureaus shut down they are worthless and only put everyones data at risk!! All three have been hacked and breached my information than the XXXX  have you say all of your PII outloud again in front of everyone around you at the business and their coworkers as well as enter it online!! Is it any wonder every person has been hacked numerous times??? They have no business having and trying to control our data or treating us as criminals when we make a call or change!! They should have updated my phone number months ago on my security alert with my current number in my account and all three bureaus should be interconnected so they can update any of these changes per the FCRA and FDCPA all data on all credit reports are to be accurate and the same and updated between them, yet XXXX said they do not do this!!XXXX XXXX XXXX XXXXXXXX do they do other than report incorrect information, try to control our data and correct businesses by XXXX XXXX XXXX and ruining our credit and gathering our new information to help them skiptrace!!! This country ran XXXX percent better before they ever were created! They also should be made to only use personal security words to verify who we are not blasting all of our PII all over the call center and making us do the same from the business!!!! XXXX!!!","date_sent_to_company":"2024-11-01T00:37:50.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"62801","tags":null,"has_narrative":true,"complaint_id":"10646933","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-01T00:37:48.000Z","state":"IL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I contacted XXXX on XX/XX/XXXX around XXXXXXXX XXXX and talked to a XXXX who refused to give me her employee number after she was rude, unhelpful and refused me access to my report claiming I did not answer the <em>security</em> questions correctly <em>which</em> I DID, she also denied me the ability to remove to freeze and <em>security</em> alert permanently after I have had continual issues with them and their webpage, after not being able to access my <em>account</em> online AGAIN to put my credit freeze I removed temporarily back"],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[13.984049,"10646933"]},{"_index":"complaint-public-v1","_id":"10648928","_score":13.983796,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I contacted XXXX on XX/XX/XXXX around XXXX XXXX  and talked to a XXXX who refused to give me her employee number after she was rude, unhelpful and refused me access to my report claiming I did not answer the security questions correctly which I DID, she also denied me the ability to remove to freeze and security alert permanently after I have had continual issues with them and their webpage, after not being able to access my account online AGAIN to put my credit freeze I removed temporarily back on my report and asked her to update my phone number on my security alert I placed on my account after having my data breached XXXX since XXXX!!!! She then refused to let me talk to a manager five times and said she had to have them call me, but finally sent me to XXXX XXXX who asked me five questions and secured the account within three minutes after she wasted half an hour gathering all of my PII and life history and did nothing to help me! I want her fired!!! I want the credit bureaus shut down they are worthless and only put everyones data at risk!! All three have been hacked and breached my information than the XXXX  have you say all of your PII outloud again in front of everyone around you at the business and their coworkers as well as enter it online!! Is it any wonder every person has been hacked numerous times??? They have no business having and trying to control our data or treating us as criminals when we make a call or change!! They should have updated my phone number months ago on my security alert with my current number in my account and all three bureaus should be interconnected so they can update any of these changes per the FCRA and FDCPA all data on all credit reports are to be accurate and the same and updated between them, yet XXXX said they do not do this!!! XXXX XXXX XXXXXXXX do they do other than report incorrect information, try to control our data and correct businesses by XXXX XXXXXXXX  us and ruining our credit and gathering our new information to help them skiptrace!!! This country ran XXXX percent better before they ever were created! They also should be made to only use personal security words to verify who we are not blasting all of our PII all over the call center and making us do the same from the business!!!! XXXX!!!","date_sent_to_company":"2024-11-01T00:37:50.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"62801","tags":null,"has_narrative":true,"complaint_id":"10648928","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-01T00:37:48.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["on my report and asked her to update my phone number on my <em>security</em> alert I placed on my <em>account</em> after having my data breached XXXX since XXXX!!!!"],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[13.983796,"10648928"]},{"_index":"complaint-public-v1","_id":"12317166","_score":13.977753,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dear CFPB, I am writing to formally file a complaint regarding a series of unauthorized activities on my checking account, as well as the denial of my fraud claim by Bank of America. \n\nOn XX/XX/XXXX, in the early morningwhile the bank was not yet XXXX received an email stating that my bank password had been changed, an action I did not authorize. I immediately logged into my account and reset my password, believing that this would prevent further unauthorized access and protect my funds. However, shortly thereafter, I began receiving additional emails from the bank indicating that the contact information in my account was being altered. Specifically, while my account initially had two phone numbers ( one for me and one for my daughter ) along with my email address, the fraudsters deleted my daughters phone number and changed my email address to one they created. They have control of my phone number and as a result, all the contact information on my account came under their control, leaving me unable to manage or secure my account. Eventually, I was unable to log into my online banking and could no longer verify whether my funds were still intact. \n\nWhen I arrived at my local branch first thing that morning, I was informed that there were several large, suspicious transactions in my checking account. I was told that two unauthorized transactions had been processed and several others were still pending. Although some of these transactions were reversedpresumably after the bank detected the duplicated large transactionsmost were directed to a company called XXXX Texas, with which I have no business relationship as I reside in California. Additionally, the banker noted that someone had even ordered debit cards on my behalf. \n\nI promptly filed fraud claims with Bank of America for all of these unauthorized transactions and was told the money will return in XXXX business days. While as of today, one claim resulted in a temporary credit but still invesgating, another was denied with the explanation that the charge was authorized by you or made by someone who has permission to use the card or account. This reasoning is incorrect, as none of these transactions were authorized by me. Furthermore, I am concerned that even the temporary credit may later be reversed.\n\nI also believe that the banks reliance solely on phone numbers for identity verification presents a significant security vulnerability. Fraudsters canand in my case, didgain control of phone numbers to intercept security codes and manipulate account information. Despite being the legitimate account holder, the fraudsters control of my phone number prevented me from receiving security codes, leading the bank to mistakenly assume that I was not the authorized user. This practice poses a serious risk and highlights a major flaw in the banks security protocols. \n\nI respectfully request that the CFPB investigate this matter to ensure that proper procedures are followed in handling fraudulent activities and to protect consumers from being held responsible for unauthorized transactions. \n\nThank you for your prompt attention to this serious issue. I am prepared to provide any additional information or documentation as needed. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-03-04T17:12:37.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"91752","tags":null,"has_narrative":true,"complaint_id":"12317166","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-03-04T16:52:24.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I also believe that the banks reliance solely on phone numbers for identity verification presents a significant <em>security</em> vulnerability. Fraudsters canand in my case, didgain <em>control</em> of phone numbers to intercept <em>security</em> codes and manipulate <em>account</em> information. Despite being the legitimate <em>account</em> holder, the fraudsters <em>control</em> of my phone number prevented me from receiving <em>security</em> codes, leading the bank to mistakenly assume that I was not the authorized user."],"product":["Checking or savings <em>account</em>"],"issue":["Problem with a lender or other company charging your <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[13.977753,"12317166"]},{"_index":"complaint-public-v1","_id":"18308841","_score":13.704385,"_source":{"product":"Checking or savings account","complaint_what_happened":"Product : Business bank account Issue : Unauthorized transactions/ identity theft Company : JPMorgan Chase bank My Chase business account was taken over through identity theft. \nUnauthorized parties disabled or bypassed my 2-factor authentication, reenrolled XXXX, and initiated ACH and XXXX transfers without my authorization. \nI had no ability to detect or stop the fraud. \nChase denied reimbursement solely based on timeline, ignoring account takeover, identity theft, and loss of authentication control, which violates UCC Article 4A and reasonable security obligations.\n\nSomebody was able to enroll me in XXXX or XXXX me duplicate my personal pay checks and steal a year of checks they rerouted checks through XXXX as seen on XX/XX/year> {$1000.00} exactly paycheck sent through XXXX. My name appearing as XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX checks with chase routing numbers on them which is impossible Chase failed to secure my account which led to a complete take over of All my accounts. XXXX fraud ach fraud check fraud","date_sent_to_company":"2025-12-27T00:09:29.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"11757","tags":null,"has_narrative":true,"complaint_id":"18308841","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-12-27T00:01:27.000Z","state":"NY","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["Chase denied reimbursement solely based on timeline, ignoring <em>account</em> takeover, identity theft, and loss of authentication <em>control</em>, <em>which</em> violates UCC Article 4A and reasonable <em>security</em> obligations.\n\nSomebody was able to enroll me in XXXX or XXXX me duplicate my personal pay checks and steal a year of checks they rerouted checks through XXXX as seen on XX/XX/year> {$1000.00} exactly paycheck sent through XXXX."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[13.704385,"18308841"]},{"_index":"complaint-public-v1","_id":"9826375","_score":13.641212,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My Experian account was compromised, and I was locked out. I verified my identity and have the username and password for the account, but I'm still unable to login. After entering the username and password, I must receive a text at a phone number, which the criminal controls. The alternative method is to answer security questions, which the criminal also setup for themselves. I am locked out of my account. \n\nXX/XX/year> E-mailed Experian regarding unauthorized changes to my account login XX/XX/year> Faxed requested documents and cover letter to Experian ( XXXX ) XX/XX/year> The e-mail address on the Experian account was updated after they received my documents. \nReached out regarding incorrect phone number and security questions for account recovery. \nXX/XX/year> Support updated the username. \nReceived a survey for the case. Ticket appears to be closed. \nXX/XX/year> Reset password through automated phone prompts. \nReached back out to support using reply e-mail address and original support e-mail address XXXX. \nAttempted to call multiple times during business hours but was unable to reach a human.","date_sent_to_company":"2024-08-16T18:17:32.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"01702","tags":null,"has_narrative":true,"complaint_id":"9826375","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-16T17:58:22.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["My Experian <em>account</em> was compromised, and I was locked out. I verified my identity and have the username and password for the <em>account</em>, but I'm still unable to login. After entering the username and password, I must receive a text at a phone number, <em>which</em> the criminal <em>controls</em>. The alternative method is to answer <em>security</em> questions, <em>which</em> the criminal also setup for themselves. I am locked out of my <em>account</em>."]},"sort":[13.641212,"9826375"]},{"_index":"complaint-public-v1","_id":"3280861","_score":13.591589,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Were it not for the colossal failure of data security at Equifax or its inexplicably legal business model of furnishing an enormous trove of personal information without consent, I would not have had to place a security freeze on my credit report in the first place. When I initially placed the freeze over a year ago, the process to unlock the freeze with Equifax was more straightforward. I was given a 10-digit pin that would allow me to lift the freeze should I ever be inclined to apply for credit.\n\nNow Equifax has phased-out this old process in favor of a new product called Lock and Alert, which nullified the PIN I was originally given to lift the freeze. Instead, I was directed to take their ID quiz whose questions had nothing to do with any credit history, public record or tradeline I have ever held. To my amusement, I failed this quiz, because no option applied to me for any question it generated. I actually work for a credit card company in their fraud prevention department, which makes this all terribly ironic, but I've used a similar product with our own customers, and I feel this gives me special credence to say that this product is utter garbage. These ID quizzes frequently fail legitimate customers and perpetrators of fraud often pass, because they know how the questions are generated based on the info in the CBR. \n\nSo the next step is a passcode letter, mailed to my address where I've lived for a couple years now. Upon receipt of the letter, I went back to the website and entered the code, only to be given a message that this request can not be processed at this time, and to call in. I did not call, as I do not wish to speak with some XXXX who will certainly be unable to help me. This is now a weeks-long saga of trying to create an account -- not even to lift the freeze at this time, just to have the ability to lift it if I need to. \n\nI'm not surprised that Equifax has made this process so difficult. They can provide all their talking points about keeping my information safe, but I know better. Their business model depends on selling access to reports and information to creditors. Security freezes put too much control back into the hands of consumers, so it's in Equifax 's interest to put up roadblocks to enroll in this account, especially given that it's free. It's not a subscription-based service like their overpriced, junk credit monitoring products that rely on scare tactics, and in reality do nothing to prevent credit applications from being instantly approved online. Instead, Equifax only stands to lose by allowing more control to consumers over access to their reports. A security freeze is the only true way to secure your information, but it runs afoul of their business. I think they know this all too well.","date_sent_to_company":"2019-06-20T07:10:23.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"447XX","tags":null,"has_narrative":true,"complaint_id":"3280861","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-06-20T02:31:17.000Z","state":"OH","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Instead, Equifax only stands to lose by allowing more <em>control</em> to consumers over access to their reports. A <em>security</em> freeze is the only true way to secure your information, but it runs afoul of their <em>business</em>. I think they know this all too well."],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[13.591589,"3280861"]},{"_index":"complaint-public-v1","_id":"8171616","_score":13.5277195,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX, XXXX, and Equifax continue to inaccurately report the account listed as XXXX XXXX XXXX. There is a balance showing as due when in fact the account should be listed as paid as agreed. The loan has been paid in full furthermore any finance charge is a purchase money loan which is a cash advance in lieu of the finance charge. Therefore I funded this loan and can not be indebted. The only reason the credit bureaus are inaccurately reporting the account is due to double dipping by being paid by XXXX XXXX XXXX while selling my personal information which puts my information at risk of being exposed due to data breaches. \n( d ) Purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( XXXX ) refers consumers to the creditor or ( XXXX ) is affiliated with the creditor by common control, contract, or business arrangement. \n\n( XXXX ) Financing a sale. Extending credit to a consumer in connection with a Credit Sale within the meaning of the Truth in Lending Act and Regulation Z. \n\n( f ) Contract. Any oral or written agreement, formal or informal, between a creditor and a seller, which contemplates or provides for cooperative or concerted activity in connection with the sale of goods or services to consumers or the financing thereof. \n\n( g ) Business arrangement. Any understanding, procedure, course of dealing, or arrangement, formal or informal, between a creditor and a seller, in connection with the sale of goods or services to consumers or the financing thereof. \n\n( h ) Credit card issuer. A person who extends to cardholders the right to use a credit card in connection with purchases of goods or services. \n\n( i ) Consumer credit contract. Any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( XXXX ) of this section. \n\n( j ) Seller. A person who, in the ordinary course of business, sells or leases goods or services to consumers. \n( XXXX ) \" Security, '' except as otherwise provided in Section 8-103, means an obligation of an issuer or a share, participation, or other interest in an issuer or in property or an enterprise of an issuer : ( i ) which is represented by a security certificate in bearer or registered form, or the transfer of which may be registered upon books maintained for that purpose by or on behalf of the issuer ; ( ii ) which is one of a class or series or by its terms is divisible into a class or series of shares, participations, interests, or obligations; and ( iii ) which : ( A ) is, or is of a type, dealt in or traded on securities exchanges or securities markets; or ( B ) is a medium for investment and by its terms expressly provides that it is a security governed by this Article. \n\n( XXXX ) \" Security certificate '' means a certificate representing a security. \n\n( XXXX ) \" Security entitlement '' means the rights and property interest of an entitlement holder with respect to a financial asset specified in Part 5.","date_sent_to_company":"2024-01-17T07:42:15.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"94513","tags":null,"has_narrative":true,"complaint_id":"8171616","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-01-17T07:42:12.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["A cash advance <em>which</em> is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, <em>which</em> is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( XXXX ) refers consumers to the creditor or ( XXXX ) is affiliated with the creditor by common <em>control</em>, contract, or <em>business</em> arrangement. \n\n( XXXX ) Financing a sale."]},"sort":[13.5277195,"8171616"]},{"_index":"complaint-public-v1","_id":"8171615","_score":13.520732,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX, Experian, and XXXX continue to inaccurately report the account listed as XXXX XXXX XXXX. There is a balance showing as due when in fact the account should be listed as paid as agreed. The loan has been paid in full furthermore any finance charge is a purchase money loan which is a cash advance in lieu of the finance charge. Therefore I funded this loan and can not be indebted. The only reason the credit bureaus are inaccurately reporting the account is due to double dipping by being paid by XXXX XXXX XXXX while selling my personal information which puts my information at risk of being exposed due to data breaches. \n( d ) Purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( XXXX ) refers consumers to the creditor or ( XXXX ) is affiliated with the creditor by common control, contract, or business arrangement. \n\n( XXXX ) Financing a sale. Extending credit to a consumer in connection with a Credit Sale within the meaning of the Truth in Lending Act and Regulation Z. \n\n( f ) Contract. Any oral or written agreement, formal or informal, between a creditor and a seller, which contemplates or provides for cooperative or concerted activity in connection with the sale of goods or services to consumers or the financing thereof. \n\n( g ) Business arrangement. Any understanding, procedure, course of dealing, or arrangement, formal or informal, between a creditor and a seller, in connection with the sale of goods or services to consumers or the financing thereof. \n\n( h ) Credit card issuer. A person who extends to cardholders the right to use a credit card in connection with purchases of goods or services. \n\n( i ) Consumer credit contract. Any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section. \n\n( j ) Seller. A person who, in the ordinary course of business, sells or leases goods or services to consumers. \n( XXXX ) \" Security, '' except as otherwise provided in Section 8-103, means an obligation of an issuer or a share, participation, or other interest in an issuer or in property or an enterprise of an issuer : ( i ) which is represented by a security certificate in bearer or registered form, or the transfer of which may be registered upon books maintained for that purpose by or on behalf of the issuer ; ( ii ) which is one of a class or series or by its terms is divisible into a class or series of shares, participations, interests, or obligations; and ( iii ) which : ( A ) is, or is of a type, dealt in or traded on securities exchanges or securities markets; or ( B ) is a medium for investment and by its terms expressly provides that it is a security governed by this Article. \n\n( XXXX ) \" Security certificate '' means a certificate representing a security. \n\n( XXXX ) \" Security entitlement '' means the rights and property interest of an entitlement holder with respect to a financial asset specified in Part 5.","date_sent_to_company":"2024-01-17T07:42:15.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"94513","tags":null,"has_narrative":true,"complaint_id":"8171615","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-01-17T07:42:12.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["A cash advance <em>which</em> is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, <em>which</em> is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( XXXX ) refers consumers to the creditor or ( XXXX ) is affiliated with the creditor by common <em>control</em>, contract, or <em>business</em> arrangement. \n\n( XXXX ) Financing a sale."]},"sort":[13.520732,"8171615"]},{"_index":"complaint-public-v1","_id":"8171838","_score":13.486912,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Transunion, XXXX, and XXXX continue to inaccurately report the account listed as XXXX XXXX XXXX There is a balance showing as due when in fact the account should be listed as paid as agreed. The loan has been paid in full furthermore any finance charge is a purchase money loan which is a cash advance in lieu of the finance charge. Therefore I funded this loan and can not be indebted. The only reason the credit bureaus are inaccurately reporting the account is due to double dipping by being paid by XXXX XXXX XXXX while selling my personal information which puts my information at risk of being exposed due to data breaches. \n( d ) Purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( XXXX ) refers consumers to the creditor or ( XXXX ) is affiliated with the creditor by common control, contract, or business arrangement. \n\n( XXXX ) Financing a sale. Extending credit to a consumer in connection with a Credit Sale within the meaning of the Truth in Lending Act and Regulation Z. \n\n( f ) Contract. Any oral or written agreement, formal or informal, between a creditor and a seller, which contemplates or provides for cooperative or concerted activity in connection with the sale of goods or services to consumers or the financing thereof. \n\n( g ) Business arrangement. Any understanding, procedure, course of dealing, or arrangement, formal or informal, between a creditor and a seller, in connection with the sale of goods or services to consumers or the financing thereof. \n\n( h ) Credit card issuer. A person who extends to cardholders the right to use a credit card in connection with purchases of goods or services. \n\n( i ) Consumer credit contract. Any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( XXXX ) of this section. \n\n( j ) Seller. A person who, in the ordinary course of business, sells or leases goods or services to consumers. \n( XXXX ) \" Security, '' except as otherwise provided in Section 8-103, means an obligation of an issuer or a share, participation, or other interest in an issuer or in property or an enterprise of an issuer : ( i ) which is represented by a security certificate in bearer or registered form, or the transfer of which may be registered upon books maintained for that purpose by or on behalf of the issuer ; ( ii ) which is one of a class or series or by its terms is divisible into a class or series of shares, participations, interests, or obligations; and ( iii ) which : ( A ) is, or is of a type, dealt in or traded on securities exchanges or securities markets; or ( B ) is a medium for investment and by its terms expressly provides that it is a security governed by this Article. \n\n( XXXX ) \" Security certificate '' means a certificate representing a security. \n\n( XXXX ) \" Security entitlement '' means the rights and property interest of an entitlement holder with respect to a financial asset specified in Part 5.","date_sent_to_company":"2024-01-17T07:42:08.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"94513","tags":null,"has_narrative":true,"complaint_id":"8171838","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-01-17T07:19:21.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["A cash advance <em>which</em> is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, <em>which</em> is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( XXXX ) refers consumers to the creditor or ( XXXX ) is affiliated with the creditor by common <em>control</em>, contract, or <em>business</em> arrangement. \n\n( XXXX ) Financing a sale."]},"sort":[13.486912,"8171838"]},{"_index":"complaint-public-v1","_id":"9947637","_score":13.253186,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am unable to access my Equifax account information via the website. https : //my.equifax.com/membercenter/ # /login I am routed to a webpage instructing me to call Equifax to process requests. I am unable to get a person on the phone. I sat on the phone for more than 40 minutes, twice. \n\nI am unable to manage my credit security effectively which means I am unable to apply for any loans, etc as many businesses use credit reports for decision making. \n\nI am not the only person with this problem. I went to the Equifax XXXX page where I found many more people experiencing the same problem. \n\nEquifax is holding my information hostage and is giving me no reasonable course of action to access it and/or control it.","date_sent_to_company":"2024-08-28T22:47:04.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"544XX","tags":null,"has_narrative":true,"complaint_id":"9947637","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-08-28T22:38:22.000Z","state":"WI","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["I am unable to access my Equifax <em>account</em> information via the website. https : //my.equifax.com/membercenter/ # /login I am routed to a webpage instructing me to call Equifax to process requests. I am unable to get a person on the phone. I sat on the phone for more than 40 minutes, twice. \n\nI am unable to manage my credit <em>security</em> effectively <em>which</em> means I am unable to apply for any loans, etc as many <em>businesses</em> use credit reports for decision making."]},"sort":[13.253186,"9947637"]},{"_index":"complaint-public-v1","_id":"4036597","_score":13.245148,"_source":{"product":"Checking or savings account","complaint_what_happened":"I opened my accounts with Citibank, XXXX XXXX XXXX NY, since XXXX. \nFurther, I provided the bank with all my personal confidential information for my business and my family since XXXX, and again for KYC ( know your client ) process in XXXX, and again XXXX, and again XXXX. \nCitibank closed my accounts with no responsible business justification. \nThe accounts were approved with Citibank and with XXXX, and I proceeded to work with Citibank and invested over XXXX XXXX USD ; I paid high commissions on many transactions including trading accounts, asset management, private Equity HH pre IPO offshore Feeder Fund II GP, ltd, IPO transactions, preferred securities. \nI also produced business for Citibank by opening accounts with Citibank in New York, and Citibank in XXXX XXXX. \nCitibank, in XXXX directed me into a forced and wrongful withdrawal of all my accounts including my business accounts in XXXX XXXX and New York. \nCitibank has no sufficient process to safeguard client information and lacks accountability to manage adequate staffing and is incompetent and has created conflicts of interest and for clients has mismanaged policies and procedures. \nI paid Citibank commissions and I had a contract which the General Partner of the feeder fund ; the General Partner was directed to discontinue its relationship and proceeded to effectively withdraw me on XX/XX/XXXX ( the Effective Date ). \nCitibank was negligent, disorganized, and lacked in due diligence and in communications to properly and diligently verify my personal information ; Citibank created errors and miss managed my personal information due to deficient process with KYC and AML. \nXXXX XXXX Branch Office Managers and Bankers : Internal KYC and AML and compliance should have internal notes including all emails and logged phone calls. Any claims that I was not in communication to confirm information for my account activity is a false statement and should be interpreted legally as a material misstatement and omission of information by Citibank. \nI have reviewed the news that Citibank is deficient in enterprise-wide risk management, compliance risk management, data governance, and internal controls. \nThe Office of the Comptroller of the Currency ( OCC ) assessed a {$400.00} XXXX civil money penalty against Citibank, N.A, of XXXX XXXX, South Dakota, related to deficiencies in enterprise-wide risk management, compliance risk management, data governance, and internal controls. \nThe OCC took these actions based on the banks unsafe or unsound banking practices for its long-standing failure to establish effective risk management and data governance programs and internal controls I have been penalized due to the Citibank negligent business practices, negligent related deficiencies, negligent data governance, and overall negligence in lack of internal controls. \nCitibank used my cash about {>= $1,000,000} USD, since XXXX. CPWM profited from my investment accounts as also Citibank retail. \nI have been penalized and I have suffered personal hardship with my family and my business, and I have suffered financial losses due to errors in Citibank business practices. \nI paid commissions on many transactions including trading accounts, asset management, and private Equity HH pre IPO offshore Feeder Fund II GP, ltd., IPO transactiona and preffered securities I request that Citibank reimburses me for all the commissions I paid to Citibank for all transactions for all my accounts since XXXX. \nI have been sick over the hardship to my personal business, and I incurred in losses and damages in excess of XXXX usd and I have incurred medical economic losses due to my illness of XXXX USD. It has been months of high stress and hardship that Citibank caused me unnecessarily. \nI have submitted to Citibank the terms of economic harm including out-of-pocket losses that resulted from the errors and violations by Citibank in effectively closing down my personal and business accounts. \nThank You","date_sent_to_company":"2020-12-29T16:18:34.000Z","issue":"Closing an account","sub_product":"Other banking product or service","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"4036597","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2020-12-29T14:41:45.000Z","state":null,"company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["The <em>accounts</em> were approved with Citibank and with XXXX, and I proceeded to work with Citibank and invested over XXXX XXXX USD ; I paid high commissions on many transactions including trading <em>accounts</em>, asset management, private Equity HH pre IPO offshore Feeder Fund II GP, ltd, IPO transactions, preferred <em>securities</em>. \nI also produced <em>business</em> for Citibank by opening <em>accounts</em> with Citibank in New York, and Citibank in XXXX XXXX."],"product":["Checking or savings <em>account</em>"],"issue":["Closing an <em>account</em>"],"sub_issue":["Company closed your <em>account</em>"]},"sort":[13.245148,"4036597"]},{"_index":"complaint-public-v1","_id":"11287111","_score":13.210493,"_source":{"product":"Checking or savings account","complaint_what_happened":"My social security checks were automatically deposited to a debit/savings account controlled by Comerica Bank and Direct Express card services. I have repeatedly tried to activate my debit card and get the account balance, but I have only received grief from this company.\n\nFirst, I was told that my debit card number was incorrect and that my account was transferred to a different account number, which I was never notified of.\n\nThey sent me a new debit card and after being placed on hold for 2 hours to activate it they told me that my phone number was incorrect, and they will not activate my card.\n\nMy social security number, date of birth, home address, wife 's name and driver 's license were all confirmed as correct during this call.\n\nNext, they told me that the only way they would look into this matter was for me to take a color picture of both sides of my driver 's license and email it to XXXX for them for review. NOT GOING TO HAPPEN, that's how identity theft happens. \nI started reading the reviews of this company and frankly they should be put out of business by the federal government as soon as possible. They're taking advantage of citizens social security by restricting how and when they can access it. Thank you for your time. XXXX XXXX","date_sent_to_company":"2024-12-26T23:30:14.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"894XX","tags":"Older American","has_narrative":true,"complaint_id":"11287111","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Comerica","date_received":"2024-12-26T22:36:11.000Z","state":"NV","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["My social <em>security</em> checks were automatically deposited to a debit/savings <em>account</em> <em>controlled</em> by Comerica Bank and Direct Express card services. I have repeatedly tried to activate my debit card and get the <em>account</em> balance, but I have only received grief from this company.\n\nFirst, I was told that my debit card number was incorrect and that my <em>account</em> was transferred to a different <em>account</em> number, <em>which</em> I was never notified of."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[13.210493,"11287111"]},{"_index":"complaint-public-v1","_id":"2979505","_score":13.059237,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX Equifax sent a copy of my credit report which included results from an investigation into accounts that were established without my knowledge or consent. Prior to receiving a copy of my credit report, on XX/XX/2018 I spoke with a representative at Equifax XXXX in the Fraud department who advised their verification procedures only included ; a consumers name, address, and social security number. I was told Equifax uses an electronic verification system or a system known as XXXX which performs off of computer generated codes. I advised the representative, that is not 100 % accurate and reasonable verification. I then asked to speak with a supervisor and was told that a supervisor would tell me the same thing. I then insisted on speaking with a manager and was placed on hold for approximately 20 minutes before I had to disconnect the call. In addition, upon Equifax being notified the accounts in question were established through identify theft, Section 609 ( e ) ( 2 ), a business entity that has provided credit to, provided for consideration products, goods, or services to, accepted payment from, or otherwise entered into a commercial transaction for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business entity, whether maintained by the business entity or by another person on behalf of the business entity, evidencing any transaction alleged to be a result of identity theft to the victim. Equifax is in violation of the FCRA by not providing an original application with my signature obligating me to the accounts that are in dispute.","date_sent_to_company":"2018-08-01T09:19:51.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"721XX","tags":null,"has_narrative":true,"complaint_id":"2979505","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-08-01T08:56:16.000Z","state":"AR","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["in the <em>control</em> of the <em>business</em> entity, whether maintained by the <em>business</em> entity or by another person on behalf of the <em>business</em> entity, evidencing any transaction alleged to be a result of identity theft to the victim."]},"sort":[13.059237,"2979505"]},{"_index":"complaint-public-v1","_id":"8488226","_score":13.052151,"_source":{"product":"Debt collection","complaint_what_happened":"DPT ED/AIDV is reporting an inaccurate balance on my student loan account. The debt has been reported as canceled per the IRS publication. This was then reported as income on my federal tax refund and income can not be reported to the consumer report. DPT ED/AIDV uses the promissory note which is a negotiable instrument as the security to sell for profits. According to the DPT ED/AIDV own prospectus that is attached they pool the notes together to sale and have raised billions in profits selling consumers notes. However the interest that the security earns should legally and lawfully be paid out to the REGISTERED owner of the security. I have received no such compensation. \n\n( XXXX ) \" Bearer form, '' as applied to a certificated security, means a form in which the security is payable to the bearer of the security certificate according to its terms but not by reason of an indorsement. \n( XXXX ) \" Entitlement holder '' means a person identified in the records of a securities intermediary as the person having a security entitlement against the securities intermediary. If a person acquires a security entitlement by virtue of Section 8-501 ( b ) ( 2 ) or ( 3 ), that person is the entitlement holder. \n\n( XXXX ) \" Entitlement order '' means a notification communicated to a securities intermediary directing transfer or redemption of a financial asset to which the entitlement holder has a security entitlement. \n\n( XXXX ) \" Financial asset, '' except as otherwise provided in Section 8-103, means : ( i ) a security ; ( ii ) an obligation of a person or a share, participation, or other interest in a person or in property or an enterprise of a person, which is, or is of a type, dealt in or traded on financial markets, or which is recognized in any area in which it is issued or dealt in as a medium for investment ; or ( iii ) any property that is held by a securities intermediary for another person in a securities account if the securities intermediary has expressly agreed with the other person that the property is to be treated as a financial asset under this Article. \n\nAs context requires, the term means either the interest itself or the means by which a person 's claim to it is evidenced, including a certificated or uncertificated security, a security certificate, or a security entitlement. \n( XXXX ) \" XXXX, '' except as otherwise provided in Section 8-103, means an obligation of an issuer or a share, participation, or other interest in an issuer or in property or an enterprise of an issuer : ( i ) which is represented by a security certificate in bearer or registered form, or the transfer of which may be registered upon books maintained for that purpose by or on behalf of the issuer ; ( ii ) which is one of a class or series or by its terms is divisible into a class or series of shares, participations, interests, or obligations; and ( iii ) which : ( A ) is, or is of a type, dealt in or traded on securities exchanges or securities markets; or ( B ) is a medium for investment and by its terms expressly provides that it is a security governed by this Article. \n\n( XXXX ) \" Security certificate '' means a certificate representing a security. \n\n( XXXX ) \" Security entitlement '' means the rights and property interest of an entitlement holder with respect to a financial asset specified in Part XXXX. \n\n( XXXX ) \" Uncertificated security '' means a security that is not represented by a certificate. \n\n( b ) Other definitions applying to this Article and the sections in which they appear are : Appropriate person Section 8-107 Control Section 8-106 Delivery Section 8-301 Investment company security Section 8-103 Issuer Section 8-201 Overissue Section 8-210 Protected purchaser Section 8-303 Securities account Section 8-501 ( c ) In addition, Article 1 contains general definitions and principles of construction and interpretation applicable throughout this Article.\n\n( d ) The characterization of a person, business, or transaction for purposes of this Article does not determine the characterization of the person, business, or transaction for purposes of any other law, regulation, or rule.","date_sent_to_company":"2024-03-06T22:39:15.000Z","issue":"False statements or representation","sub_product":"Federal student loan debt","zip_code":"77084","tags":null,"has_narrative":true,"complaint_id":"8488226","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2024-03-06T21:58:02.000Z","state":"TX","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["( b ) Other definitions applying to this Article and the sections in <em>which</em> they appear are : Appropriate person Section 8-107 <em>Control</em> Section 8-106 Delivery Section 8-301 Investment company <em>security</em> Section 8-103 Issuer Section 8-201 Overissue Section 8-210 Protected purchaser Section 8-303 <em>Securities</em> <em>account</em> Section 8-501 ( c ) In addition, Article 1 contains general definitions and principles of construction and interpretation applicable throughout this Article."]},"sort":[13.052151,"8488226"]},{"_index":"complaint-public-v1","_id":"4451890","_score":13.024735,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX, XXXX P.T.- attempt to place a freeze was met with a window that said : The TransUnion Credit Freeze Service is temporarily unavailable. \n\nI called TransUnion, and after verifying my information, I was informed through automation that the information I submitted is incorrect. This is not true. I have been able to freeze my XXXX, XXXX  with no trouble. I can login to TransUnion without issue. \n\nCONSUMERS HAVE THE RIGHT TO OBTAIN A SECURITY FREEZE You have a right to place a security freeze on your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization. The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or any other account involving the extension of credit. \nAs an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit file at no cost. An initial fraud alert is a 1-year alert that is placed on a consumers credit file. Upon seeing a fraud alert display on a consumers credit file, a business is required to take steps to verify the consumers identity before extending new credit. If you are a victim of identity theft, you are entitled to an extended fraud alert, which is a fraud alert lasting 7 years. \nA security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person or entity, with which you have an existing account that requests information in your credit report for the purposes of reviewing or collecting the account. Reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.","date_sent_to_company":"2021-06-11T17:37:08.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"992XX","tags":null,"has_narrative":true,"complaint_id":"4451890","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-06-11T17:08:28.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["A <em>security</em> freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person or entity, with <em>which</em> you have an existing <em>account</em> that requests information in your credit report for the purposes of reviewing or collecting the <em>account</em>. Reviewing the <em>account</em> includes activities related to <em>account</em> maintenance, monitoring, credit line increases, and <em>account</em> upgrades and enhancements."],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[13.024735,"4451890"]},{"_index":"complaint-public-v1","_id":"18027609","_score":13.012456,"_source":{"product":"Credit card","complaint_what_happened":"In XX/XX/year> I applied for the Chase XXXX card with benefits which were given to me on a XXXX flight from the XXXX ( two lounge passes and XXXX bonus miles with a $ XXXX spent ). \nI activated the card as soon I received it in XX/XX/year> and started using it as part of my XXXX wallet. After XXXX + transactions the card was all of the sudden flagged by the security team at Chase when I was on a business trip in Virginia and tried to pay the vendor {$1400.00} in addition to the {$1700.00} already paid in two transactions. When I called the XXXX  dept not only I was disrespected but give XXXX  excuses why the transactions did not go through which ultimately points to the bank interfering with my business. When the transactions were not processed I was not contacted to my valid phone number listed on the account and it seems that the special promotion code that was included in the application was also not processed. As of today I received no two lounge passes which should have been sent to me either to my email or my address ( I preferred hard copies sent to my mailing address ). Again when contacting Chase I was told that it is a responsibility of United Airlines to deliver the passes and since I did not disclose my mileage # ( I actually did on the application as XXXX XXXX ) the order for these passes were not processed. The US representative of the Chase also made a statement signaling that the bank has a very lax security procedures as giving me a statement that my card was \" not properly activated '' when in fact it was. So in other words the if the card was not properly activated why was it allowed to be used as part of the XXXX wallet not to mentioned a variety of retail purchases? It seems that the both the Chase customer service and security dept is completely out of control and they will make up the reasons why the card is allowed to be used/unused based on some kind of defective algorithm. Or worse the Chase Bank uses its line of credit which is a credit card to interfere with its customer base businesses. I am saying this as member in good standing that pays the credit card bills on time.","date_sent_to_company":"2025-12-14T16:44:46.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"60073","tags":null,"has_narrative":true,"complaint_id":"18027609","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-12-14T16:29:37.000Z","state":"IL","company_public_response":null,"sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["It seems that the both the Chase customer service and <em>security</em> dept is completely out of <em>control</em> and they will make up the reasons why the card is allowed to be used/unused based on some kind of defective algorithm. Or worse the Chase Bank uses its line of credit <em>which</em> is a credit card to interfere with its customer base <em>businesses</em>. I am saying this as member in good standing that pays the credit card bills on time."]},"sort":[13.012456,"18027609"]},{"_index":"complaint-public-v1","_id":"7500021","_score":12.916175,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I had an unauthorized transfer based on a fraudulent account takeover and Coinbase is insanely unresponsive. When I finally got someone on the phone they were 100 % inept. Clearly not aware of anything about account hacks. I LOST $ XXXX OF XXXX TODAY. And yet no one who can actually help will get on the phone. The Rep repeated assured me on the call ( which was recorded ) that there was no activity on my account. Repeatedly said that- but I saw it with my own eyes ; and an hour into the phone call after I insisted he keep looking, he realized he had missed it. Again CHECK THE PHONE LOG. The conversation was recorded. When it was clear to me that he couldnt help and was only hurting my chances of recovery, I asked to speak with a manager. He said managers do not get on the phone ever. Insane! I have a $ XXXX loss and a manager cant help? Instead Coinbase offers an inept, poorly trained Rep who made things worse. I need my $ XXXX returned immediately. The security controls are wildly lacking and the customer service insanely inept. I dont understand how you can treat financial institution customers like that. Your security controls are so lacking they are negligent. Its insane to me that you didnt pick up a massive sweep of my account after a password change and no factor authentication. Thats basic security!!! \n\nI can not wait and am filing this before I file a lawsuit. Procedurally I will move quickly as its clear that Coinbase doesnt have the capacity or interest in helping. I cant wait 5-7 days to learn if a manager will answer an email about my stolen $ XXXX of XXXX. Thats insane!!! Yet its how CB does business apparently. I need help - I tried to get it through customer service and it only made it much worse. Now I need legal and regulatory enforcement assistance. Please help!!!","date_sent_to_company":"2023-09-06T04:13:51.000Z","issue":"Other transaction problem","sub_product":"Virtual currency","zip_code":"068XX","tags":null,"has_narrative":true,"complaint_id":"7500021","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2023-09-06T04:00:43.000Z","state":"CT","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The <em>security</em> <em>controls</em> are wildly lacking and the customer service insanely inept. I dont understand how you can treat financial institution customers like that. Your <em>security</em> <em>controls</em> are so lacking they are negligent. Its insane to me that you didnt pick up a massive sweep of my <em>account</em> after a password change and no factor authentication. Thats basic <em>security</em>!!! \n\nI can not wait and am filing this before I file a lawsuit."]},"sort":[12.916175,"7500021"]},{"_index":"complaint-public-v1","_id":"3995603","_score":12.913099,"_source":{"product":"Checking or savings account","complaint_what_happened":"Monday, XX/XX/XXXX I discovered that Bank of America had chosen to end \" our business relationship on XX/XX/XXXX and that I agreed to do so based on \" page 2 of an agreement I signed when I opened the account '' in XXXX. This is an \" unequal relationship '' between myself and a fictitious person that is now holding me financially XXXX. \nI have been told I will be sent a cashiers check, which I do not want, because I prefer to transfer funds electronically just like banks conduct their business at the \" discount window '' of the Federal Reserve. I feel this is an egregious act on the part of Bank of America, beyond the basic lack of courtesy at a time when extreme time based income inequality threatens individuals into permanent financial crisis. \n\nWhen banks threaten themselves through greed and mendacity and politicians that are beholden to them agree to bail them out -- their is no relationship other than one of domination and control and reinvestment in digital products that do not deliver and are fraught with fraud and security precautions that are wholly in the hands of Bank of America itself.","date_sent_to_company":"2020-12-07T19:49:34.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"33411","tags":null,"has_narrative":true,"complaint_id":"3995603","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2020-12-07T19:15:58.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Monday, XX/XX/XXXX I discovered that Bank of America had chosen to end \" our <em>business</em> relationship on XX/XX/XXXX and that I agreed to do so based on \" page 2 of an agreement I signed when I opened the <em>account</em> '' in XXXX. This is an \" unequal relationship '' between myself and a fictitious person that is now holding me financially XXXX."],"product":["Checking or savings <em>account</em>"],"issue":["Closing an <em>account</em>"],"sub_product":["Checking <em>account</em>"],"sub_issue":["Company closed your <em>account</em>"]},"sort":[12.913099,"3995603"]},{"_index":"complaint-public-v1","_id":"1798450","_score":12.911482,"_source":{"product":"Bank account or service","complaint_what_happened":"To Whom it May Concern, I was charged {$12.00} for insufficient funds on a check that I tried to deposit to my account. Prior to writing the check, the checkwriter checked her account to make sure she had sufficient funds. After depositing the check, I received the notice that I was being charged. \n\nI tried to call Customer Service to ask why it is Wells Fargo 's policy to charge its customers for something which is not within their control. A company which claims to \" proactively protect our customers ' financial security through a risk focused culture '' should not impose fees upon its patrons which they have no control over. This alienates those risk-averse people who do everything they can to be prudent in their financial decisions and do their due diligence because it imposes upon them a risk they can not obviate. \nI have been a Wells Fargo Customer for a decade. I hold checking and savings account. I have a safety deposit box. I have a credit card. And as a student in professional school, I planned to patronize the bank for years to come. My experience with the Customer Service phone team has made me question these plans. \n\nUpset over this fee, I called Customer Service to request a refund. I asked my customer service representative how any customer could avoid these fees in the future. She had no answer for me. I asked her if that means I should just avoid using Wells Fargo financial services in the future, and she essentially agreed that this was the only way for me to minimize my risk. \nA business that claims protect its customers ' financial security while imposing undue fees on them ( that a prudent customer could not possibly control ) is not conducive to customer retention or satisfaction. How could I possibly feel that my money is secure if I can not protect myself from arbitrary fees? \n\nThe worst part of the entire experience is that the supervisor who I spoke to pretended that she did not hear me and hung up as I was trying to explain the situation. Luckily, I recorded the whole ordeal. \n\nWhat I would like to know is exactly how Wells Fargo would advise me to avoid such charges in the future? Is there some magical database I can access to ensure that a check that I receive will have sufficient funds in the future? Or should I stop using Wells Fargo services in general? \nRegards, XXXX XXXX","date_sent_to_company":"2016-02-23T02:16:48.000Z","issue":"Account opening, closing, or management","sub_product":"Checking account","zip_code":"27707","tags":null,"has_narrative":true,"complaint_id":"1798450","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2016-02-23T02:16:47.000Z","state":"NC","company_public_response":"Company chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["A company <em>which</em> claims to \" proactively protect our customers ' financial <em>security</em> through a risk focused culture '' should not impose fees upon its patrons <em>which</em> they have no <em>control</em> over. This alienates those risk-averse people who do everything they can to be prudent in their financial decisions and do their due diligence because it imposes upon them a risk they can not obviate. \nI have been a Wells Fargo Customer for a decade. I hold checking and savings <em>account</em>."],"product":["Bank <em>account</em> or service"],"issue":["<em>Account</em> opening, closing, or management"],"sub_product":["Checking <em>account</em>"]},"sort":[12.911482,"1798450"]},{"_index":"complaint-public-v1","_id":"3622739","_score":12.781505,"_source":{"product":"Checking or savings account","complaint_what_happened":"Issue 1. In an attempt to link my XXXX payroll to my PNC Businesses account authentication mechanism are preventing link from occurring Issue 2. I have to profiles at PNC Bank and only one cell phone. PNC Bank does not allow multiple profiles to be linked to one cell phone. This creates a security vulnerability and non compliance to FFIEC Guidelines on two factor authentication controls for end points because you can only do two factor for one account. thus the only work around is customer have to purchase two phone or use a softphone through XXXX which creates additional vulnerabilities. By not allowing the user to tie all profiles to one cell phone, a threat senior is as follows : attacker could add there attacking 's phone number ( softphone ) and the user would not know because they don't have alerting turned on the second profile. \n\nA solutions is PNC can allow one phone to be associated with multiple profiles","date_sent_to_company":"2020-04-25T14:18:19.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"22485","tags":null,"has_narrative":true,"complaint_id":"3622739","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2020-04-25T14:00:05.000Z","state":"VA","company_public_response":null,"sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["This creates a <em>security</em> vulnerability and non compliance to FFIEC Guidelines on two factor authentication <em>controls</em> for end points because you can only do two factor for one <em>account</em>. thus the only work around is customer have to purchase two phone or use a softphone through XXXX <em>which</em> creates additional vulnerabilities."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_issue":["Problem accessing <em>account</em>"]},"sort":[12.781505,"3622739"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":1241,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":1241}]}},"product":{"doc_count":1241,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":517,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":508},{"key":"Other personal consumer report","doc_count":9}]}},{"key":"Credit reporting, credit repair services, or other personal 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