{"took":624,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":573,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"13951278","_score":20.654495,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I requested information about XXXX XXXX a account fraudulently opened in my name and ask for information about the reinvestigation procedure under law 15 U.S.C. 6801 ( Protection of Nonpublic Personal Information ) : This section addresses the privacy and security of customer records and information held by financial institutions. \nIt establishes a policy that financial institutions have an obligation to respect customer privacy and protect the security of their nonpublic personal information. \nIt requires financial institutions to implement administrative, technical, and physical safeguards to ensure the security and confidentiality of customer record","date_sent_to_company":"2025-06-07T14:09:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"452XX","tags":null,"has_narrative":true,"complaint_id":"13951278","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2025-06-07T14:09:07.000Z","state":"OH","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I requested <em>information</em> about XXXX XXXX a account fraudulently opened in my name and ask for <em>information</em> about the reinvestigation procedure under law 15 U.S.C. 6801 ( Protection of Nonpublic Personal <em>Information</em> ) : This section addresses the privacy and <em>security</em> of <em>customer</em> <em>records</em> and <em>information</em> <em>held</em> by financial institutions. \nIt establishes a policy that financial institutions have an obligation to respect <em>customer</em> privacy and protect the <em>security</em> of their nonpublic personal <em>information</em>."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[20.654495,"13951278"]},{"_index":"complaint-public-v1","_id":"2712643","_score":15.411061,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax indicates that my credit information MAY have bee compromised with the XXXX XXXX stolen credit records. \nI have been trying to enroll in their credit monitoring system since the hack was reported. \nI attempted to enroll in their online system on XXXX, and multiple times since then, only to be told \" the system is unavailable-try again ''. \nAfter weeks of this response, I called their customer service number and I was told on XXXX/XXXX/XXXX that \" we will escalate this to our technical support team-they will respond within XXXX business days. \nEquifax advertises that consumers are offered free credit monitoring services as a result of their security breaches, but a consumer can not take advantage of this offer if they can not enroll in the service. \nEquifax should be held accountable for their breach and provide this service immediately.","date_sent_to_company":"2017-10-26T14:00:10.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48236","tags":"Older American","has_narrative":true,"complaint_id":"2712643","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-10-26T13:48:51.000Z","state":"MI","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Equifax should be <em>held</em> accountable for their breach and provide this service immediately."]},"sort":[15.411061,"2712643"]},{"_index":"complaint-public-v1","_id":"6853262","_score":15.116989,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Between XXXX and XXXX of XXXX, I attempted to report and remove a derogatory account on my credit report. I filed a dispute through XXXX and wrote a letter to both XXXX and the reporting company, to no avail. \n\nThe reporting company stated that upon review of my account, it is reporting correctly. \n\nBased on the consumer laws put in place by The United States Congress and The Fair Credit Reporting Act, the term consumer report is to exclude and NOT INCLUDE transactions and experiences, such as late payments, made between all persons involved ; consumers and the institutions. \n\nI, as the consumer, DID NOT AND DO NOT GRANT PERMISSION for this institution to furnish and report my experiences and/or transactions, such as late payments, to the credit reporting agencies on behalf of my personal consumer credit report. \n\nPer the consumer laws put in place by The United States Congress and The Fair Credit Reporting Act, per 15 U.S.C. 6801 and 15 U.S.C. 6802, the institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of my nonpublic and personal information and furthermore, have a responsibility to insure the security and confidentiality of customer records and information ; protect against any anticipated threats or hazards to the security or integrity of such records ; and ; to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. I acknowledge that I have not been provided, by this institution, the necessary consumer disclosures that give the consumer the right and option to OPT OUT in regards to the furnishing and reporting of my personal financial data to anyone on my behalf, therfore by law, the institution is reporting my personal financial data and information to the credit reporting agencies, and any other 3rd parties, illegally. \n\nI am exercising my consumer right, based on the consumer laws, to ensure that this institution be held responsible for the unfair practices under all applicable consumer laws put in place by The United States Congress and The Fair Credit Reporting Act. \n\nAs they DO NOT HAVE MY LEGAL PERMISSION to do so ; I require that this company immediately cease and rectify all non permitted disclosures of my personal financial data and information, transactions and experiences, to all credit reporting agencies, and any other 3rd parties.","date_sent_to_company":"2023-04-17T16:11:22.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"27534","tags":null,"has_narrative":true,"complaint_id":"6853262","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paramount Capital Group, Inc.","date_received":"2023-04-17T15:53:02.000Z","state":"NC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["the <em>security</em> or integrity of such <em>records</em> ; and ; to protect against unauthorized access to or use of such <em>records</em> or <em>information</em> which could result in substantial harm or inconvenience to any <em>customer</em>."]},"sort":[15.116989,"6853262"]},{"_index":"complaint-public-v1","_id":"2478649","_score":15.093573,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Based on the information stated in the letters sent, the accounts have been recently closed because of being Unable to verify my Information with the existing public records. The letter further stated that my Social Securi ty Number ( SSN ) and Address  does not match the records. I am trying to figure out why this is happening because as far my SSN and my Address here in the United States is concerned, I have not held any other Social Security Number nor lived in anothe r US State  previously. My family just recently migrated in  XXXX , New York last  XXXX   XXXX ,   XXXX   from the  XXXX  of the  XXXX . Years before that, I have never been in the US. The  SSN and present address I have in the Synchrony Bank records, the ones th at I have in the Credit Reporting Bureaus and with my other credit cards are all the same. This is also what is found in my State Identification cards,  So  cial Security Administration records and the US Federal Department Records. This is my FIRST AND CURRENT U.S.  address. I did't not understand how incompetent their fraud department is for having closed ALL my store card accounts without verifying for my actual identity by calling me or leaving me a voice message. They have my personal number. Other cards that I have do that to verify before making any other attempt. This is the most professional and prudent thing to do considering that I am a good customer.I have gone through the humiliation of having my cards rejected several times at time and forced me to pay in cash. I did n't know what happened until I called customer service agent of Synchrony whohappens to be very unprofessional and without any display compassion about what I have been through.","date_sent_to_company":"2017-05-08T17:17:05.000Z","issue":"Closing your account","sub_product":"Store credit card","zip_code":"10469","tags":null,"has_narrative":true,"complaint_id":"2478649","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2017-05-08T16:52:59.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Based on the <em>information</em> stated in the letters sent, the accounts have been recently closed because of being Unable to verify my <em>Information</em> with the existing public <em>records</em>. The letter further stated that my Social Securi ty Number ( SSN ) and Address  does not match the <em>records</em>. I am trying to figure out why this is happening because as far my SSN and my Address here in the United States is concerned, I have not <em>held</em> any other Social <em>Security</em> Number nor lived in anothe r US State  previously."]},"sort":[15.093573,"2478649"]},{"_index":"complaint-public-v1","_id":"3888671","_score":14.944698,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Paypal uses a verification process that has effectively locked me out of my account. In this account are banking account and credit card information.\n\nThis verification process relies on one thing and one thing only : sending a text ( sms ) message with the code to the primary phone number on the account. My phone on record does not accept sms/text messages.\n\nI have contacted the company several times and been told that there is no technical support owing to the Pandemic and that they can not help me and maybe it is a problem with the phone company. These are not accurate statements from Paypal, and there seems to be no way to communicate with Paypal to get them to see the issue for what it is and what else could be instead of what they have created. What is more is that where I have 2-step authentication in play, Paypal\nis not using that information on record to provide verification codes -- and it is not an option. In fact, Paypal does not provide another option besides their one and only way : primary phone number on record. \n\nBanking institutions that provide online services, such as XXXX, and other account providers, such as XXXX, have evolved and use and industry standard that offers 3 options and for the customer to be able to select each time they want to do a verification code process for security : Via text, via phone call, and via email -- all using customer  data on record. If Paypal had used these already, I would be able to get into my account already ; and I have been locked out for months with no way to get into my account that Paypal customer service people could provide. \n\nThis same verification process is required to reset the password on my account. I am greatly concerned that I have no way to log into my account they way they have set-up their security verification process, and therefore I can not monitor or view anything going on with my account until they alter their way of providing verification. This is not tollerable, and I've seen other customers have complained online as well. \n\nThis complaint is to use this process to get Paypal to deal with this issue that they have caused and has locked me out of my account that contains my personal financial data. In addition, Paypal requires a person to log in to chat, and makes contacting a live person extremely difficult. These processes in place now at Paypal can not stand as they have financial information and must be held to a higher level of accountability given the impact to customers like me!","date_sent_to_company":"2020-10-08T20:00:59.000Z","issue":"Other service problem","sub_product":"Domestic (US) money transfer","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"3888671","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2020-10-08T19:39:48.000Z","state":"NM","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["These processes in place now at Paypal can not stand as they have financial <em>information</em> and must be <em>held</em> to a higher level of accountability given the impact to <em>customers</em> like me!"]},"sort":[14.944698,"3888671"]},{"_index":"complaint-public-v1","_id":"6353982","_score":14.594923,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Company unlawfully flagged account ( XXXX ) as unpaid, fraud as a result of their apps error. Account ( XXXX ) reflect all payments as well as communications on record held by the company as well as private recordings held by customer in support of these affirmations. \n\nCapital One stated and/or otherwise affirmed that they paid from their private account funds totaling {$340.00} including interests and fees. \n\nCapital One stated that customer has a balance of {$340.00} available in the account which customer authorized them to utilize in paying off and settling any monies that are due or that customer is responsibly for in the amount of said {$340.00}. \n\nCapital One is obstructing the customer from benefits agreed upon and from unmolested use of the card both depositing, withdrawing, and proper credit reporting. \n\nCapital One is threatening to falsify credit reporting documents as well as share credit reporting and sensitive information concerning customer without consent and authorization. \n\nCustomer DOES NOT CONSENT to Capital One sharing any information to any persons or agencies including but not limited to Addresses, Signatures, Social Security Numbers, Account History, etc. \n\nIf the customer has entered into any agreements with Capital One knowingly or unknowingly whereby these actions are deemed permissible, customer has formerly and does currently reserve all rights and moves for the rescission of the agreement between Capital One unless immediate remedy and recourse is attained. Such remedy is to include but not be limited to reopening of closed accounts or reissue of new account or account eligibility. \n\nAdditionally, it is unlawful to be denied credit or for any creditor to discriminate against any applicant as it creates an adverse action pursuant to : Title 15 USC 1691 Chapter 41 Providing Scope of Prohibition ; 15 USC 1681 Providing Congressional findings and Statement of Purpose 15 USC 1611 Providing for the Criminal liability for willful and knowing violation 12 CFR 1002.4 Providing for Discrimination, Discouragement, and Scope of Rule concerning dealings between an applicant and creditor.\n\nAdditionally, the illegalities of finance charges and down payments are defined, established, and lawfully remedied in : Title 15 USC 1605 Providing for the Determination of finance charges ; 15 USC 1662 Providing for the Advertising of downpayments and installments ; 15 USC 1635 Providing for the Right of Recission as to certain transactions.","date_sent_to_company":"2022-12-22T19:17:16.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"080XX","tags":null,"has_narrative":true,"complaint_id":"6353982","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2022-12-22T18:51:30.000Z","state":"NJ","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Account ( XXXX ) reflect all payments as well as communications on <em>record</em> <em>held</em> by the company as well as private recordings <em>held</em> by <em>customer</em> in support of these affirmations. \n\nCapital One stated and/or otherwise affirmed that they paid from their private account funds totaling {$340.00} including interests and fees."]},"sort":[14.594923,"6353982"]},{"_index":"complaint-public-v1","_id":"16097504","_score":14.538954,"_source":{"product":"Checking or savings account","complaint_what_happened":"Subject : Request for Reconsideration of Account Closure and Reset of Credentials Dear Current Support Team, I am writing to formally request reconsideration of the closure of my account with Current. I was informed that my account was closed due to alleged fraudulent activity, yet I want to make it clear that I am the victim of identity theft. I have never opened or held an account with Current prior to this incident. \n\nIn XXXX, my personal information was compromised, and I have been proactive in addressing the resulting fraudulent accounts. Despite this, my identity appears to have been misused, and I am now being wrongly held responsible for actions I did not commit. This is deeply concerning and has caused significant frustration and inconvenience. \n\nI am requesting that Current : XXXX. Reconsider the decision to deny me access and allow me to open a new account as a legitimate customer. \nXXXX. Reset all associated credentials, including Social Security number records in your system, to ensure that I can securely access services. \nXXXX. Treat this as an identity-theft situation, rather than attributing blame to me as the victim. \n\nPlease note that financial institutions in the United States are regulated by the Consumer Financial Protection Bureau ( CFPB ), among other authorities, to ensure fair treatment of customers and proper handling of cases involving fraud or identity theft. I am hopeful that Current will follow appropriate procedures and resolve this matter swiftly. \n\nI am asking for a prompt review of this situation so that I may establish a legitimate account without further delay. I trust that Current will correct this error and allow me to proceed as a new, verified customer. \n\nThank you for your attention and understanding. I look forward to your prompt response. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-09-24T00:04:08.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"464XX","tags":null,"has_narrative":true,"complaint_id":"16097504","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FinCo Services Inc DBA Current","date_received":"2025-09-23T23:56:27.000Z","state":"IN","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Reconsider the decision to deny me access and allow me to open a new account as a legitimate <em>customer</em>. \nXXXX. Reset all associated credentials, including Social <em>Security</em> number <em>records</em> in your system, to ensure that I can securely access services. \nXXXX. Treat this as an identity-theft situation, rather than attributing blame to me as the victim."]},"sort":[14.538954,"16097504"]},{"_index":"complaint-public-v1","_id":"6791184","_score":14.366219,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax has manipulated their system. \nThey dont see my information on their platform due to the data breach when i took a picture and sent it to them for proof and followed the administrative steps to claim a refund. Privately This and these cases demonstrate that Equifax has failed to meet its legal obligations to protect consumers ' personal information. Equifax has been found liable for negligence in several cases, and has been ordered to pay damages to consumers who were harmed by the data breaches. \nIn re Equifax Inc. Customer Data Sec. Breach Litig. \nEquifax failed to adequately protect their personal information, which was subsequently exposed in a data breach. \n\nOlsen v. Equifax Information Services, LLC This is a case in which a plaintiff alleged that Equifax failed to adequately protect his personal information, which was subsequently exposed in a data breach. The court found that Equifax was liable for negligence, and awarded the plaintiff damages for his losses. \n\nSatterfield v. Equifax Information Services, LLC This is a case in which a plaintiff alleged that Equifax failed to adequately protect her personal information, which was subsequently exposed in a data breach. The court found that Equifax was liable for negligence, and awarded the plaintiff damages for her losses. \n\nHere are some quotes from the cases : \" Equifax 's failure to maintain adequate security measures amounted to negligence. '' - In re Equifax Inc. Customer Data Sec. Breach Litig. \n\" Equifax breached its duty to protect its consumers ' personal information. '' - Olsen v. Equifax Information Services, LLC \" Equifax 's failure to protect consumers ' personal information was a gross deviation from the standard of care. '' - Satterfield v. Equifax Information Services, LLC The principle of due process is a fundamental aspect of constitutional law, which guarantees that individuals are afforded certain procedural and substantive rights when facing legal proceedings. Due process requires that an individual be given notice and an opportunity to be heard before being deprived of their life, liberty, or property. In the case of Equifax, XXXX : XXXX alleges that they were deprived of their right to due process when Equifax failed to adequately respond to their concerns regarding the breach. Credit bureaus collect and maintain sensitive personal information on millions of consumers. The data breach result in the exposure of this personal information, leading to identity theft and other financial harms. The following ten case law references support the notion that Equifax is held lliable for their failure of due process when it comes to the failure of keeping all records : 1. In re Equifax Inc. Customer Data Sec. Breach Litig., XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : In this case, Equifax suffered a data breach that affected over 147 million consumers. The court held that Equifax was liable for failing to take adequate measures to secure the personal information of its consumers, stating that Equifaxs failure to maintain adequate security measures amounted to negligence.\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ) : In this case, XXXX suffered a data breach that affected over 15 million consumers. The court held that XXXX was liable for failing to take adequate measures to secure the personal information of its consumers, stating that XXXX security measures were not reasonable and thus constituted negligence. \nXXXX. In re XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ) : In this case, XXXX was sued for violating the Fair Credit Reporting Act ( FCRA ) by failing to adequately protect the personal information of its consumers. The court held that XXXX was liable for violating the FCRA, stating that XXXX had a duty to ensure the accuracy and security of its credit reports. \nXXXX. In re XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX ( C.D. XXXX. XXXX XXXX, XXXX ) : In this case, XXXX was sued for failing to adequately protect the personal information of its consumers. The court held that XXXX was liable for negligence, stating that XXXX breached its duty to protect its consumers personal information. \nXXXX. In re XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ) : In this case, XXXX was sued for violating the FCRA by failing to adequately notify consumers of the placement of fraud alerts on their credit reports. The court held that XXXX was liable for violating the FCRA, stating that XXXX failure to provide proper notice to consumers was a violation of the FCRA. \nXXXX. In re Equifax XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) : In this case, Equifax was sued for violating the FCRA by failing to adequately protect the personal information of its consumers. The court held that Equifax was liable for violating the FCRA, stating that Equifax had a duty to take reasonable steps to protect the personal information of its consumers. \n\nThese cases demonstrate that Equifax has failed to meet its legal obligations to protect consumers ' personal information. Equifax is found to be liable for negligence again, and is now being ordered to pay damages to XXXX : XXXX who was harmed by the data breaches.","date_sent_to_company":"2023-04-04T18:49:14.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"13601","tags":null,"has_narrative":true,"complaint_id":"6791184","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-04-04T18:40:08.000Z","state":"NY","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Credit bureaus collect and maintain sensitive personal <em>information</em> on millions of consumers. The data breach result in the exposure of this personal <em>information</em>, leading to identity theft and other financial harms. The following ten case law references support the notion that Equifax is <em>held</em> lliable for their failure of due process when it comes to the failure of keeping all <em>records</em> : 1. In re Equifax Inc. <em>Customer</em> Data Sec."]},"sort":[14.366219,"6791184"]},{"_index":"complaint-public-v1","_id":"9946321","_score":14.066822,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear XXXX XXXX XXXX I've noticed XXXX is releasing information to the 3rd party credit bureaus which are on my credit report : I DID NOT CONSENT to do so which is in violation. 15 U.S. Code 6801- Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. \n\nIn addition, XXXX sent a repossession agent to take my motor carrier on XX/XX/2024 XXXX within seconds of me leaving into the USPS . The Co-Owner and myself proceeded to tell them to stop and not to take the motor carrier. One agent held me against my will as I was trying to access my carrier while the other agent entered his vehicle and ran my foot down over.\n\nThere was a witness who had observed and gave a statement to law enforcement. \n( Video Footage Available Upon Request ) XXXX XXXX  claim department was contacted and concluded with their investigation. XXXX XXXX offered {$5000.00} coverage for medical expenses. \nSince the that date, I suffer from severe emotional distress from the public humiliation caused by XXXX and its repossession agents. \n\nThis was a direct violation of : ( California Commercial Code 9609 ) Breaching the peace means that the repossession can not involve bodily force or threats and they can not take property over your oral objections. The objection does not have to be loud or done with force. You must simply tell the repossession agent not to take the car.","date_sent_to_company":"2024-08-28T19:38:42.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92373","tags":null,"has_narrative":true,"complaint_id":"9946321","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-08-28T18:51:04.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the <em>security</em> and confidentiality of <em>customer</em> <em>records</em> and <em>information</em> ; ( 2 ) to protect against any anticipated threats or hazards to the <em>security</em> or integrity of such <em>records</em> ; and ( 3 ) to protect against unauthorized access to or use of such <em>records</em> or <em>information</em> which"]},"sort":[14.066822,"9946321"]},{"_index":"complaint-public-v1","_id":"9942564","_score":14.0476265,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Exeter Finance LLC I've noticed Exeter is releasing information to the XXXX party credit bureaus which are on my credit report : I DID NOT CONSENT to do so which is in violation. 15 U.S. Code 6801- Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section XXXX ( a ) of this title, other than the XXXX XXXX XXXX XXXX XXXX, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. \n\nIn addition, Exeter sent a repossession agent to take my motor XXXX on XX/XX/year> XXXX within seconds of me leaving into the XXXX XXXX The Co-Owner and myself proceeded to tell them to stop and not to take the motor XXXX. One agent held me against my will as I was trying to access my XXXX while the other agent entered his vehicle and ran my foot down over. \nThere was a witness who had observed and gave a statement to law enforcement. \n( Video Footage Available Upon Request ) State Farm claim department was contacted and concluded with their investigation. XXXX XXXX offered {$5000.00} coverage for medical expenses. \nSince the that date, I suffer from severe emotional distress from the public humiliation caused by Exeter and its repossession agents. \n\nThis was a direct violation of : ( California XXXX XXXX XXXX ) Breaching the peace means that the repossession can not involve bodily force or threats and they can not take property over your oral objections. The objection does not have to be loud or done with force. You must simply tell the repossession agent not to take the car.","date_sent_to_company":"2024-08-28T19:38:59.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92373","tags":null,"has_narrative":true,"complaint_id":"9942564","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Exeter Finance, LLC.","date_received":"2024-08-28T19:38:56.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["than the XXXX XXXX XXXX XXXX XXXX, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the <em>security</em> and confidentiality of <em>customer</em> <em>records</em> and <em>information</em> ; ( 2 ) to protect against any anticipated threats or hazards to the <em>security</em> or integrity of such <em>records</em> ; and ( 3 ) to protect against unauthorized access to or use of such <em>records</em> or <em>information</em> which could result"]},"sort":[14.0476265,"9942564"]},{"_index":"complaint-public-v1","_id":"9943369","_score":14.039414,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear XXXX XXXX XXXX I've noticed XXXX is releasing information to the XXXX party credit bureaus which are on my credit report : I DID NOT CONSENT to do so which is in violation. 15 U.S. Code 6801- Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the XXXX XXXX each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section XXXX ( a ) of this title, other than the XXXX XXXX XXXX XXXX XXXX, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a XXXX grand jury, or a subpoena issued in accordance with section XXXX of title XXXX or section XXXX of title XXXX. ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. \n\nIn addition, XXXX sent a repossession agent to take my motor XXXX on XX/XX/year> XXXX within seconds of me leaving into the XXXX XXXX The Co-Owner and myself proceeded to tell them to stop and not to take the motor carrier. One agent held me against my will as I was trying to access my carrier while the other agent entered his vehicle and ran my foot down over. \nThere was a witness who had observed and gave a statement to law enforcement. \n( Video Footage Available Upon Request ) State Farm claim department was contacted and concluded with their investigation. XXXX XXXX offered {$5000.00} coverage for medical expenses. \nSince the that date, I suffer from severe emotional distress from the public humiliation caused by XXXX and its repossession agents. \n\nThis was a direct violation of : ( California XXXX XXXX XXXX ) Breaching the peace means that the repossession can not involve bodily force or threats and they can not take property over your oral objections. The objection does not have to be loud or done with force. You must simply tell the repossession agent not to take the car.","date_sent_to_company":"2024-08-28T19:38:59.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92373","tags":null,"has_narrative":true,"complaint_id":"9943369","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-08-28T19:38:56.000Z","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":["the XXXX XXXX XXXX XXXX XXXX, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the <em>security</em> and confidentiality of <em>customer</em> <em>records</em> and <em>information</em> ; ( 2 ) to protect against any anticipated threats or hazards to the <em>security</em> or integrity of such <em>records</em> ; and ( 3 ) to protect against unauthorized access to or use of such <em>records</em> or <em>information</em> which could result in substantial"]},"sort":[14.039414,"9943369"]},{"_index":"complaint-public-v1","_id":"7369884","_score":13.628382,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Wells Fargo initiated wire transfers out of my business account without authorization and is refusing to put the money that was transferred back into the account. \n\nWells Fargo has stated that \" On XX/XX/XXXX, a claim was filed when Wells Fargo was informed you were in dispute of an online wire transfers sent from your Wells Fargo Initiate Business Checking Account ending in XXXX  on XX/XX/XXXX, for {$24000.00} and on XXXX XXXX, for {$10000.00}. Our Online Claims Assistance Center reviewed this matter and found that the one-time passcodes were sent to your phone number on file and the wires originated using your username and password. Additionally, calls were received from your phone number on file on XX/XX/XXXX, and again on XX/XX/XXXX, providing identifying information and one-time passcodes. '' Call records from the account holder 's cell phone company, XXXX , indicated that no calls were made ; no text messages exchanged ; and no communication occurred at all. The claim that passcodes were sent and calls were received by this account holder did not take place and verified by the phone records. Because the wire transfers were not sent to my phone and I did not contact Wells Fargo as evidenced by the call and text records, and therefore wire transfers were NOT ORIGINATED using my username and password or through any other means by me or by another person authorized or unauthorized or by my email. There is also no IP Address or log-in submission on the customer 's account that would indicate that the password was hacked. No documentation can show that the account holder is responsible for the origin of this malfeasance. \n\nThe bank undertook duties outside the funds transfer process, either unilaterally through its own internal procedures or in the account agreement, that failed to protect the customers account. The bank has adopted its own account protection practices, or agrees to certain practices by contract in that passcodes are to be sent to customers on suspicious wire transfers, and fails to follow these by not sending these passcodes to my phone as the phone records indicated. This is a violation of the LII Uniform Commercial Code 4A - U.C.C. - FUNDS TRANSFER ( 2012 ). Wells Fargos internal operating procedures did not protect the customer based on the account agreement that stated in the correspondence email on XX/XX/XXXX shat state, Please allow us to explain, under our Online Wire Terms and Conditions, Online Access Agreement and Deposit Account Agreement, you are responsible for online wires that originate using your username and password, whether or not actually authorized by you. \n\nWells Fargo phone records show, and Wells Fargo acknowledges, that The bank never called the account holder, and no records indicate that I called them, and no text messages took place, and no records indicated that usernames or passwords ever took place. There is no documentation to prove that any origination took place or that any correspondence occurred. If there is no occurrence, then how can there be an origination. The bank has wired money out of my account without proof of any origination of any calls going out to me, no calls coming in from me, no exchange of text nothing. The bank claims that my username and password were used by me or someone other than me but have no evidence that any interaction took place! \n\nWells Fargo Bank is in violation of several areas of the LII Uniform Commercial Code 4A - U.C.C. - ARTICLE 4A - FUNDS TRANSFER ( 2012 ). The primary purpose of art. 4A is to establish uniform and predictable rights, duties, and liabilities for arms-length funds transfers between various commercial parties and their banks. 4A imposes on banks the obligation to refund unauthorized funds transfers for a one-year period after the bank gives the customer notice ( ordinarily in the monthly account statement ), thereby allowing the customer to identify the disputed transaction and notify the bank. First, a payment order initiating an electronic transfer was not deemed authorized and therefore not effective because the sender/customer did not authorize it. Second, though the account holder and the bank have agreed that authorization for payment orders will be verified by a security procedure ( such as a PIN ), a PIN was not sent or received by the bank to or from the account holder, therefore making the payment non-effective and void. Further violations of LII Uniform Commercial Code 4A - U.C.C. - FUNDS TRANSFER ( 2012 ). Call records support this. \n\nThe art. 4A security procedure provision is based on the assumption that losses due to fraudulent payment orders can best be avoided by the use of commercially reasonable security procedures. The account holder believes that the security procedures were not followed and therefore not reasonable because the account holder was not contacted. Furthermore, the bank acted at its peril in accepting a payment order, in the form of the wire transfer, that was unauthorized. The bank did not comply with its own security measures because the account holder was not contacted for a PIN or username or password. \n\nAs a customer of Well Fargo Bank I have requested a copy of : 1. Security Procedures [ 1 ] that were completed in the transactions n XX/XX/XXXX and XX/XX/XXXX. Specifically which steps established by agreement of a customer and a receiving bank for the purpose of ( i ) verifying that a payment order or communication amending or cancelling a payment order is that of the customer, or ( ii ) detecting error in the transmission or the content of the payment order or communication. \n\n2. Copies of the Payment Orders [ 2 ] A payment order received by the the two receiving banks : XXXX XXXX  and XXXX  XXXX. \n\n3. Any and all records that indicate what phone number, computer, IP Address, or any and all other evidence that shows where the transfer verification was sent to and originated from. \n\nWells Fargo did not follow their own Security Procedures as phone records indicated that one time pass codes were not sent to the customers phone number as alleged as verification of the wire transfers was not obtained or originated from the customers account and Wells Fargo has no evidence that calls or passcodes or usernames were originated from the customer. Payment orders in the form of wire transfers were received by the two banks, XXXX XXXX  and XXXX Bank, that were not authorized by this account holder and the account holder should be bound by it under the law of agency. Furthermore, Wells Fargo violated security procedures and that a commercially reasonable method of providing security against unauthorized payment orders was not followed and the wishes of the customer expressed to the receiving banks was not granted and contrary to the wishes of the customer. Wells Fargo has violated the rights of the customer/account holder according to LII Uniform Commercial Code 4A - U.C.C. - FUNDS TRANSFER ( 2012 ) Uniform Commercial Code 4A, adopted in Florida as F.S. Ch. 670. Based on the fact that Wells Fargo can not show, and phone records verify that the online wire transfers were NOT ORIGINATED using the account holder 's username and password as alleged. The account holder can not be held liable for the origin of this malfeasance or the removal of fund from his account. The bank undertook duties outside the funds transfer process, either unilaterally through its own internal procedures or in the account agreement, that failed to protect the customers account. The account holder is requesting that the funds be returned to my account including all fees which include but are not limited to the amount of {$35000.00}, that includes the first wire transfer of XXXX, the second wire transfer of {$10000.00}, plus the two {$50.00} wire transfer charges. \n\n[ 1 ] LII Uniform Commercial Code 4A-201. SECURITY PROCEDURE.\n\n[ 2 ] LII Uniform Commercial Code 4A-202. AUTHORIZED AND VERIFIED PAYMENT ORDERS.","date_sent_to_company":"2023-08-08T18:12:26.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"34759","tags":null,"has_narrative":true,"complaint_id":"7369884","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-08-08T17:45:24.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Wells Fargo did not follow their own <em>Security</em> Procedures as phone <em>records</em> indicated that one time pass codes were not sent to the <em>customers</em> phone number as alleged as verification of the wire transfers was not obtained or originated from the <em>customers</em> account and Wells Fargo has no evidence that calls or passcodes or usernames were originated from the <em>customer</em>."]},"sort":[13.628382,"7369884"]},{"_index":"complaint-public-v1","_id":"8874373","_score":13.374556,"_source":{"product":"Student loan","complaint_what_happened":"Dept of Ed/Nelnet XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX Notice to agent is notice to principal Notice to principal is notice to agent. \n\nYou DEPT OF ED/NELNET are reporting information about my educational record that you have no permission to report. \n\nFamily Educational Rights and Privacy Act ( FERPA ) Generally, schools must have written permission from the parent or eligible student to release any information from a student 's education record. However, FERPA allows schools to disclose those records, without consent, to the following parties or under the following conditions ( 34 CFR 99.31 ) : School officials with legitimate educational interests ; Other schools to which a student is transferring ; Specified officials for audit or evaluation purposes ; Appropriate parties in connection with financial aid to a student ; Organizations conducting certain studies for or on behalf of the school ; Accrediting organizations ; To comply with a judicial order or lawfully issued subpoena ; Appropriate officials in cases of health and safety emergencies ; and State and local authorities, within a juvenile justice system, pursuant to specific State law.\n\nThere is no contract or written permission where I XXXX XXXX gave any written permission. If you DEPT OF ED/NELNET believe that I have given you this permission I am requesting the document pursuant Rule 1002.\n\nFurthermore, my non-public personal information is Private. It is also confidential and you are violating my right to privacy and confidentiality by reporting this information illegally without written permission. \n\nYour activities have amounted to identity theft 18 U.S. Code 1028A - Aggravated identity theft ( a ) Offenses.\n\n( 1 ) In general. \nWhoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. \n\nIn addition to your fraud and identity theft actions, you have further violated 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. \n( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to ensure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( XXXX ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. \n\nI am disgusted with your behavior I will be filing complaints with the CFPB, FTC, XXXX, and OCC regarding your fraudulent, misleading practices which have caused significant harm to me, my family, my reputation, my character, my mode of living. \nYou have inconvenienced my life and you will be held accountable. \n\nThe information that you have furnished has caused denials and adverse actions when I apply for extensions of credit. \nYou have furnished my nonpublic personal records of information regarding my accounts to institutions like XXXX, XXXX, and XXXX that have had multiple data breaches compromising my information. \n\nI need the account { DEPT OF ED/NELNET XXXX XXXX records blocked or deleted from XXXX, XXXX, and or XXXX. You have no permission to report any records or information to these institutions without my permission. You have violated the Family Educational Rights and Privacy Act ( FERPA ) in addition to 15 USC 6801, and you have committed identity theft 18 USC 1028A. \n\nYou have 10 Days to Delete this account { XXXX } from all consumer reporting agencies but not limited to { XXXX, XXXX, XXXX, } Thank you, XXXX XXXX","date_sent_to_company":"2024-04-27T20:21:10.000Z","issue":"Improper use of your report","sub_product":"Federal student loan servicing","zip_code":"146XX","tags":null,"has_narrative":true,"complaint_id":"8874373","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2024-04-27T19:59:28.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["threats or hazards to the <em>security</em> or integrity of such <em>records</em> ; and ( XXXX ) to protect against unauthorized access to or use of such <em>records</em> or <em>information</em> which could result in substantial harm or inconvenience to any <em>customer</em>."]},"sort":[13.374556,"8874373"]},{"_index":"complaint-public-v1","_id":"2799165","_score":13.371872,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am a victim of fraud I put a fraud alert on. I called customer service they REFUSED to remove these hard inquires, I demanded they remove them for example XXXX was suppose to be deleted. XXXX XXXX does not have my social security most of these are wrong social security numbers linked to my account and or do not have permission I called them to remove all of these and they keep telling me to contact the companies. I'm a victim rock fraud inquires and most are invalid or wrong information tho it still linked to my credit file. I ask they remove all of these XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Some of them don't even have my correct social like XXXX XXXX has the wrong social and XXXX and XXXX XXXX do not have my permission I demand them to remove all inquires from my file or I'll go to court and sue for damages, They failed to remove alll inquires I have an active fraud alert and freeze pending I ask one final tim THESE are not factual records most are wrong information and wrong social security numbers so therefore that should not be held as FACTUAL. Remove them all from my file now I will not wait two years I did not authorize these","date_sent_to_company":"2018-01-31T06:22:09.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92057","tags":null,"has_narrative":true,"complaint_id":"2799165","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-01-31T06:22:06.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["that should not be <em>held</em> as FACTUAL."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[13.371872,"2799165"]},{"_index":"complaint-public-v1","_id":"1550270","_score":13.356631,"_source":{"product":"Bank account or service","complaint_what_happened":"Regions Bank is erroneously reporting a negative bank account in my name to XXXX and possibly XXXX, although they have been notified numerous times of the ongoing identity theft I 've been fighting for over 8 years, and despite the fact that they are fully aware of my fraud and security alerts and recent bankruptcy filing. I 've made several attempts to resolve this issue and am beyond tired of this thing coming up to bite me when I want to open a new financial account. It 's embarrassing and frustrating. This bank has horrible customer service, is not responsive to consumer inquiries/complaints and does nothing to resolve major issues like this. I want this item removed from XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, as well as any other agency that compiles personal consumer information, without that consumer 's knowledge, without any verification of validity and that which significantly and negatively impacts consumers ' day to day financial life. Banks, credit reporting bureaus and financial account recording agencies are predators in the financial services industry and I want them held accountable for their unethical and illegal business activities. At the very least, I want any association of my name, social security number, financial account information, driver 's license number, state identification number, past and present addresses, date and location of birth, relatives, friends, ex-spouses, and any other pertinent personal identifying information to be immediately removed, permanently, from the records, files, databases and archives of these sharks. They ruin lives.","date_sent_to_company":"2015-09-03T05:23:02.000Z","issue":"Account opening, closing, or management","sub_product":"Checking account","zip_code":"76137","tags":null,"has_narrative":true,"complaint_id":"1550270","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"REGIONS FINANCIAL CORPORATION","date_received":"2015-09-03T05:23:01.000Z","state":"TX","company_public_response":"Company chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["At the very least, I want any association of my name, social <em>security</em> number, financial account <em>information</em>, driver 's license number, state identification number, past and present addresses, date and location of birth, relatives, friends, ex-spouses, and any other pertinent personal identifying <em>information</em> to be immediately removed, permanently, from the <em>records</em>, files, databases and archives of these sharks. They ruin lives."]},"sort":[13.356631,"1550270"]},{"_index":"complaint-public-v1","_id":"2800083","_score":13.349476,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am a victim of fraud I put a fraud alert on. I called customer service they REFUSED to remove these hard inquires, I demanded they remove them for example XXXX was suppose to be deleted. XXXX XXXX does not have my social security most of these are wrong social security numbers linked to my account and or do not have permission I called them to remove all of these and they keep telling me to contact the companies. I'm a victim rock fraud inquires and most are invalid or wrong information tho it still linked to my credit file. I ask they remove all of these XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX And XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Some of them don't even have my correct social like XXXX XXXX has the wrong social and XXXX  and XXXX XXXX do not have my permission I demand them to remove all inquires from my file or I'll go to court and sue for damages, They failed to remove alll inquires I have an active fraud alert and freeze pending I ask one final tim THESE are not factual records most are wrong information and wrong social security numbers so therefore that should not be held as FACTUAL. Remove them all from my file now I will not wait two years I did not authorize these","date_sent_to_company":"2018-01-31T06:22:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92057","tags":null,"has_narrative":true,"complaint_id":"2800083","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-01-31T06:09:31.000Z","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":["most are wrong <em>information</em> and wrong social <em>security</em> numbers so therefore that should not be <em>held</em> as FACTUAL."],"issue":["Incorrect <em>information</em> on your report"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[13.349476,"2800083"]},{"_index":"complaint-public-v1","_id":"8848145","_score":13.2853155,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"FRAUD ALERT : THIS IS NOT A DUPLICATE SUBMISSION : I AM REPORTING FRAUDULENT AND ILLEGAL PRACTICES of Equifax Customer Service Representative XXXX ( XXXX XXXX Office of Consumer Affairs Equifax indicated XXXX  XXXX Bankruptcy XXXX was UN-VERIFIED and not Reporting to my consumer report. Equifax, and XXXX removed the XXXX  XXXX Bankruptcy XXXX XXXX on XX/XX/year>, due to inability to verify. Following Recorded Phone Call on XX/XX/year> CONSUMER XXXX XXXX XXXX spoke to, Equifax Customer Service Representative XXXX ( XXXX XXXX Office of Consumer Affairs, Regarding my XXXX  XXXX Bankruptcy XXXX UN-VERIFIED public record. Immediately following that conversation on XXXX XXXX XXXX Bankruptcy XXXX XXXX public record was reported by Equifax . On XXXX XXXX I contacted XXXX to confirm if my consumer file had been accessed for the purposes of Data Verification. XXXX confirmed my Security Freeze was active and has been ACTIVE since XXXX XXXX. I have obtained a copy of my Consumer File. Equifax Customer Service Representative XXXX ( XXXX XXXX Office of Consumer Affairs, fraudulently and illegally obtained access to my file through the Credit Karma Site by way of the PRE-QUALIFICATION PORTAL. EQUIFAX HAS BEEN UNABLE TO VERIFY MY ACCOUNTS DUE TO CREDITORS REFUSING and electing to falsify my owing balances on Discharged Closed Accounts. \n\nI have attached evidence proving the gross misconduct of Equifax Customer Service Representative XXXX ( XXXX XXXX Office of Consumer Affairs. \n\nThe Fair Credit Reporting Act ( FCRA ) protects consumer information, including credit reports, and prevents the sharing of this information without a specified purpose. The FCRA gives consumers the right to access their credit reports once a year for free, and to limit unsolicited offers for credit and insurance. The FCRA also specifies who can access a consumer 's credit report, and both the credit reporting bureau and the person seeking access without a valid reason can be held liable if they breach the law. \nThe FCRA governs how credit bureaus can collect and share information about consumers, which businesses may use for many purposes, such as deciding whether to make a loan or sell insurance. The FCRA also gives consumers the right to : Know who requested their credit report within the last year Seek damages from anyone violating the FCRA The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) are responsible for enforcing the FCRA.","date_sent_to_company":"2024-04-24T06:02:27.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"98031","tags":null,"has_narrative":true,"complaint_id":"8848145","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-04-24T05:21:48.000Z","state":"WA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Following <em>Recorded</em> Phone Call on XX/XX/year> CONSUMER XXXX XXXX XXXX spoke to, Equifax <em>Customer</em> Service Representative XXXX ( XXXX XXXX Office of Consumer Affairs, Regarding my XXXX  XXXX Bankruptcy XXXX UN-VERIFIED public <em>record</em>. Immediately following that conversation on XXXX XXXX XXXX Bankruptcy XXXX XXXX public <em>record</em> was reported by Equifax . On XXXX XXXX I contacted XXXX to confirm if my consumer file had been accessed for the purposes of Data Verification."]},"sort":[13.2853155,"8848145"]},{"_index":"complaint-public-v1","_id":"12798263","_score":13.189404,"_source":{"product":"Student loan","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Mohela due to their failure to allow me to access my student loan account and make a timely payment. Despite multiple attempts to resolve this issue, I have been unable to reach their customer service, and I am now facing potential delinquency through no fault of my own. \n\nIssue Summary : My student loan payment was due on XX/XX/year>. \nWhen I attempted to log in to my Mohela account to make the payment, I was blocked from accessing my account. Mohelas system states that my Social Security number and account information do not match their records, despite these details being correct. \nI have made several attempts to call Mohelas customer service to resolve this issue and make a payment, but their wait times are excessive, and their automated system disconnects calls instead of providing assistance.\n\nDue to Mohelas system errors and lack of customer support, I am now at risk of being reported as delinquent on my loan, which could impact my credit score and financial standing.\n\nRequested Resolution : Mohela must immediately resolve this account access issue so that I can make my payment. \nAny late fees, penalties, or negative marks on my credit report must be removed, as the failure to pay was caused by Mohelas system errors.\n\nMohela should improve their customer service response times and ensure that borrowers are not unfairly penalized due to technical or administrative failures. \n\nMohelas lack of accessibility and poor customer service is preventing me from fulfilling my financial obligations. I request that the CFPB investigate this matter and ensure that Mohela is held accountable for its failure to assist borrowers in a timely manner. \n\nThank you for your prompt attention to this issue.","date_sent_to_company":"2025-04-04T01:15:15.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"01844","tags":null,"has_narrative":true,"complaint_id":"12798263","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2025-04-04T00:58:25.000Z","state":"MA","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["Despite multiple attempts to resolve this issue, I have been unable to reach their <em>customer</em> service, and I am now facing potential delinquency through no fault of my own. \n\nIssue Summary : My student loan payment was due on XX/XX/year>. \nWhen I attempted to log in to my Mohela account to make the payment, I was blocked from accessing my account. Mohelas system states that my Social <em>Security</em> number and account <em>information</em> do not match their <em>records</em>, despite these details being correct."]},"sort":[13.189404,"12798263"]},{"_index":"complaint-public-v1","_id":"2800086","_score":12.951849,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am a victim of fraud I put a fraud alert on. I called customer service they REFUSED to remove these hard inquires, I demanded they remove them for example XXXX was suppose to be deleted. XXXX XXXX does not have my social security most of these are wrong social security numbers linked to my account and or do not have permission I called them to remove all of these and they keep telling me to contact the companies. I'm a victim rock fraud inquires and most are invalid or wrong information tho it still linked to my credit file. I ask they remove all of these XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Some of them don't even have my correct social like XXXX XXXX has the wrong social and XXXX  and XXXX XXXX do not have my permission I demand them to remove all inquires from my file or I'll go to court and sue for damages, They failed to remove alll inquires I have an active fraud alert and freeze pending I ask one final tim THESE are not factual records most are wrong information and wrong social security numbers so therefore that should not be held as FACTUAL. Remove them all from my file now I will not wait two years I did not authorize these","date_sent_to_company":"2018-01-31T06:22:09.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92057","tags":null,"has_narrative":true,"complaint_id":"2800086","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-01-31T06:22:06.000Z","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":["most are wrong <em>information</em> and wrong social <em>security</em> numbers so therefore that should not be <em>held</em> as FACTUAL."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[12.951849,"2800086"]},{"_index":"complaint-public-v1","_id":"7997017","_score":12.853876,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to bring to your attention a matter of significant concern regarding the conduct of XXXX XXXX, a financial services company. It has come to my attention that XXXX XXXX has violated my rights under the Privacy Act of 1974, specifically in contravention of 5 USC 552a and 5 USC 552b, as well as related Code of Federal Regulations ( CFR ) sections.\n\nThe Privacy Act of 1974 is a federal law designed to safeguard the privacy of individuals concerning personal information held by federal agencies. It establishes a code of fair information practices that govern the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. \n\nThe specific sections of the United States Code that I believe XXXX XXXX has violated, in conjunction with related CFR sections, are as follows : 5 USC 552a- The Privacy Act of 1974 : XXXX XXXX, in its handling of my personal information, has failed to adhere to the provisions outlined in 5 USC 552a, which outlines the conditions under which personal information may be disclosed and the rights of individuals to access and amend their records. \n\n5 USC 552b- The Government in the Sunshine Act : XXXX XXXX 's actions appear to contravene the provisions of 5 USC 552b, which governs the openness of agency meetings and the disclosure of information. I assert that XXXX XXXX 's lack of transparency regarding the handling of my personal information raises concerns about compliance with this statute. \n\nCFR 313.7 - XXXX Customer Information : XXXX XXXX may also be in violation of CFR 313.7, which sets forth standards to protect the security and confidentiality of customer information. Any failure to comply with these standards further compounds concerns regarding XXXX XXXX 's data handling practices. \n\nI kindly request that the Consumer Financial Protection Bureau thoroughly investigate these alleged violations by XXXX XXXX and take appropriate action to ensure compliance with the Privacy Act of 1974 and related CFR sections. I am confident that a comprehensive examination will reveal the extent of the company 's non-compliance and facilitate corrective measures to protect the privacy rights of consumers.","date_sent_to_company":"2023-12-14T03:47:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33409","tags":null,"has_narrative":true,"complaint_id":"7997017","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-12-14T03:47:04.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I assert that XXXX XXXX 's lack of transparency regarding the handling of my personal <em>information</em> raises concerns about compliance with this statute. \n\nCFR 313.7 - XXXX <em>Customer</em> <em>Information</em> : XXXX XXXX may also be in violation of CFR 313.7, which sets forth standards to protect the <em>security</em> and confidentiality of <em>customer</em> <em>information</em>. Any failure to comply with these standards further compounds concerns regarding XXXX XXXX 's data handling practices."],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[12.853876,"7997017"]},{"_index":"complaint-public-v1","_id":"7996824","_score":12.853876,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to bring to your attention a matter of significant concern regarding the conduct of Affirm Inc, a financial services company. It has come to my attention that Affirm Inc has violated my rights under the Privacy Act of 1974, specifically in contravention of XXXX XXXX XXXX and XXXX XXXX XXXX, as well as related Code of Federal Regulations ( XXXX ) sections. \n\nThe Privacy Act of 1974 is a federal law designed to safeguard the privacy of individuals concerning personal information held by federal agencies. It establishes a code of fair information practices that govern the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. \n\nThe specific sections of the United States Code that I believe Affirm Inc has violated, in conjunction with related CFR sections, are as follows : XXXX XXXX XXXX- The Privacy Act of 1974 : Affirm Inc, in its handling of my personal information, has failed to adhere to the provisions outlined in XXXX XXXX XXXX, which outlines the conditions under which personal information XXXX be disclosed and the rights of individuals to access and amend their records. \n\nXXXX XXXX XXXX- The Government in the Sunshine Act : Affirm Inc 's actions appear to contravene the provisions of XXXX XXXX XXXX, which governs the openness of agency meetings and the disclosure of information. I assert that Affirm Inc 's lack of transparency regarding the handling of my personal information raises concerns about compliance with this statute. \n\nXXXX XXXX - XXXX Customer Information : Affirm Inc XXXX also be in violation of XXXX XXXX, which sets forth standards to protect the security and confidentiality of customer information. Any failure to comply with these standards further compounds concerns regarding Affirm Inc 's data handling practices. \n\nI kindly request that the Consumer Financial Protection Bureau thoroughly investigate these alleged violations by Affirm Inc and take appropriate action to ensure compliance with the Privacy Act of 1974 and related CFR sections. I am confident that a comprehensive examination will reveal the extent of the company 's non-compliance and facilitate corrective measures to protect the privacy rights of consumers.","date_sent_to_company":"2023-12-14T03:46:55.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33409","tags":null,"has_narrative":true,"complaint_id":"7996824","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Affirm Holdings, Inc","date_received":"2023-12-14T03:31:18.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX - XXXX <em>Customer</em> <em>Information</em> : Affirm Inc XXXX also be in violation of XXXX XXXX, which sets forth standards to protect the <em>security</em> and confidentiality of <em>customer</em> <em>information</em>. Any failure to comply with these standards further compounds concerns regarding Affirm Inc 's data handling practices."]},"sort":[12.853876,"7996824"]},{"_index":"complaint-public-v1","_id":"12417311","_score":12.763595,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have provide Experian on several occasions my identification and Social Security number with my complaints through the CFPB and they are holding my credit report against me because they saying my lenders doesnt have the same address I have proven through documentation and as attachments to Experian through recent complaints. If there is any lender that doesnt have my address then I am not a customer or client of such lenders. My report cant be held accountable for a third party not having my address information. I am in no contract with any entity that doesnt have my correct address. I didnt have this problem until I filed a complaint with the CFPB about Experian sham investigations. They can not willfully try to get information for any third party that doesnt provide the same information I provide the agency. They are supposed to be stewards of accurate information not investigators for third party verification purposes. I will again add my current name and address information for Experian purposes only that should be shown on my credit report anything else is inaccurate report. I demand access to my credit report on Experian website services. Experian is a for profit company and every since I stop paying to get access to my report and scores I have had this issue. Even when I try to access my free report through AnnualReport website. I am also asking Equifax to correct any name on their report with the name and address on my state drivers license and my social security card that is the only name that should be on my report.\n\nThe Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies","date_sent_to_company":"2025-03-11T22:58:06.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"237XX","tags":null,"has_narrative":true,"complaint_id":"12417311","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-11T22:21:40.000Z","state":"VA","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":["I am also asking Equifax to correct any name on their report with the name and address on my state drivers license and my social <em>security</em> card that is the only name that should be on my report.\n\nThe Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report <em>records</em> and promotes accuracy, fairness, and the privacy of personal <em>information</em> assembled by Credit Reporting Agencies"],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[12.763595,"12417311"]},{"_index":"complaint-public-v1","_id":"12417217","_score":12.763595,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have provide Experian on several occasions my identification and Social Security number with my complaints through the CFPB and they are holding my credit report against me because they saying my lenders doesnt have the same address I have proven through documentation and as attachments to Experian through recent complaints. If there is any lender that doesnt have my address then I am not a customer or client of such lenders. My report cant be held accountable for a third party not having my address information. I am in no contract with any entity that doesnt have my correct address. I didnt have this problem until I filed a complaint with the CFPB about Experian sham investigations. They can not willfully try to get information for any third party that doesnt provide the same information I provide the agency. They are supposed to be stewards of accurate information not investigators for third party verification purposes. I will again add my current name and address information for Experian purposes only that should be shown on my credit report anything else is inaccurate report. I demand access to my credit report on Experian website services. Experian is a for profit company and every since I stop paying to get access to my report and scores I have had this issue. Even when I try to access my free report through AnnualReport website. I am also asking Equifax to correct any name on their report with the name and address on my state drivers license and my social security card that is the only name that should be on my report.\n\nThe Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies","date_sent_to_company":"2025-03-11T22:58:07.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"237XX","tags":null,"has_narrative":true,"complaint_id":"12417217","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-11T22:57:43.000Z","state":"VA","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["I am also asking Equifax to correct any name on their report with the name and address on my state drivers license and my social <em>security</em> card that is the only name that should be on my report.\n\nThe Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report <em>records</em> and promotes accuracy, fairness, and the privacy of personal <em>information</em> assembled by Credit Reporting Agencies"]},"sort":[12.763595,"12417217"]},{"_index":"complaint-public-v1","_id":"3280861","_score":12.689528,"_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, I was directed to take their ID quiz whose questions had nothing to do with any credit history, public <em>record</em> or tradeline I have ever <em>held</em>. To my amusement, I failed this quiz, because no option applied to me for any question it generated."],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[12.689528,"3280861"]},{"_index":"complaint-public-v1","_id":"12968969","_score":12.630083,"_source":{"product":"Credit card","complaint_what_happened":"Barclay bank Credit Card Problems started in XXXX when my auto payment turn was turned off by its self. My bank card was hacked and was waiting on new card when the payment was due. Customer care contacted me and wanted me to pay over the phone but I denied request and payed the missed XXXX payment on XX/XX/XXXX resetting up my auto payment for it to start back in XXXX payment was held out with auto pay on XX/XX/XXXX. \nXXXX and XXXX payments was not payed, should have been because I turned auto pay back on in XXXX. I didnt think anything of it until I received letter in the mail early XXXX stating my long term assistance program was no longer available and they will not reinstate due to my continued missed payments. \nI called and was gave phone numbers that redirected me to the same people, finally talked to someone that was willing to help then she stated long term assistance plans cant be set to auto pay and I would not be reinstated. I asked to speak to a supervisor. She said there wasnt one available. \nAfter the payments set to auto pay for over a yr why cant they continue to use auto pay. \n\nNow this month I get a payment of XXXX held out that should have been XXXX because once again I set auto pay back up in XXXX after finding out it was turned off. \nPlease find some way to help me get back on this plan. Im a XXXX Veteran and XXXX XXXXXXXX recipient, I use auto pay because I have trouble remembering to pay online payments. Below are the chat transcripts, I try to use it as much as possible to show proof but they always want me to contact by phone. \n\nFriday, XX/XX/XXXX at XXXX XXXX  XXXX joined the chat Friday, XX/XX/XXXX at XXXXXXXX XXXX  Wondering why myauto payment was not held out this month. Im on the long term assistance payment plan and havent had this problem. \nXXXX Friday, XX/XX/XXXX at XXXXXXXX XXXX Well keep a copy of this chat for training, monitoring and security purposes. You can find out more on how and why we use your information in our privacy policy in our app or on our website. \nThanks for your message - we'll answer within XXXX minute Friday, XX/XX/XXXX at XXXX XXXX  XXXX joined the chat Friday, XX/XX/XXXX at XXXXXXXX XXXX Hello, My name is XXXX. Thank you for contacting us about your XXXX XXXX XXXX XXXX. Hope you're doing well. \nI understand and I appreciate you for reaching out about the payment on your account. I'll be more than happy to assist with your concern. Let me check your account for a moment, please. \nFriday, XX/XX/XXXX at XXXX XXXX Im am thank you for asking. Why was my auto payment held out this month. I just a letter in the mail today saying my long term assistance program payment wasnt held out K Not held out Friday, XX/XX/XXXX at XXXX XXXX Thank you for patiently waiting. Upon review, I can confirm on our record show that we have received a payment of {$350.00} on XX/XX/XXXX which still in process. \nFriday, XX/XX/XXXX at XXXX XXXX  Correct I just put that in a few minutes ago. There was supposed to be a payment of XXXX held each month. That didnt happen this month for some reason XXXX  Friday, XX/XX/XXXX aXXXX XXXX XXXX I can also confirm the letter that we have sent to you stating the notice that we haven received a payment for the due date of XX/XX/XXXX, and as I can also confirm that your account is not yet enrolled to an auto payment. I humbly advise to please contact us through phone with our specialist regarding this matter, as I am unable to assist you through chat due to security purposes that placed restriction to process your concern through chat. Rest assured that this is notated. \nI kindly ask you to seek assistance from our specialists through our Customer Care Department. Please contact us at ( XXXX ) XXXX. Agents are available 24 hours a day, 7 days a week, Monday to Sunday, and will be glad to assist you. \n\nPayments My auto pay was not held out again? Why does this keep happening XXXX XXXX XX/XX/XXXX, XXXX XXXX My auto pay was not held out again? Why does this keep happening Barclays customer service XX/XX/XXXX, XXXXXXXX XXXX  Hi XXXX XXXX : Thank you for contacting us about your XXXX XXXX XXXX XXXX. \n\nUpon review, we can confirm that on XX/XX/XXXX, the account was enrolled to a Long Term Assistance Program until XX/XX/XXXX. We notice that the scheduled payment was stop and at this point, we humbly ask to please contact our account specialist at XXXX in order to discuss further details of the program and receive an advise on how to move forward on this. Our Account Managers are available to help you Monday through Saturday from XXXX XXXX to","date_sent_to_company":"2025-04-15T12:46:39.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"412XX","tags":"Servicemember","has_narrative":true,"complaint_id":"12968969","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2025-04-15T12:07:09.000Z","state":"KY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["Friday, XX/XX/XXXX at XXXX XXXX  XXXX joined the chat Friday, XX/XX/XXXX at XXXXXXXX XXXX  Wondering why myauto payment was not <em>held</em> out this month. Im on the long term assistance payment plan and havent had this problem. \nXXXX Friday, XX/XX/XXXX at XXXXXXXX XXXX Well keep a copy of this chat for training, monitoring and <em>security</em> purposes. You can find out more on how and why we use your <em>information</em> in our privacy policy in our app or on our website."]},"sort":[12.630083,"12968969"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":573,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":573}]}},"product":{"doc_count":573,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":242,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":238},{"key":"Other personal consumer report","doc_count":4}]}},{"key":"Checking or savings account","doc_count":69,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":54},{"key":"Other banking product or service","doc_count":9},{"key":"Savings 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