{"took":149,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":819,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2934878","_score":18.208239,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/XXXX, I moved out of my apartment at XXXX XXXX, owned by XXXX XXXX XXXX XXXX as my lease had expired. I turned in my keys as well. Before moving, there was never a walk through done of the premises and I never received a bill for any damages. I asked numerous times to do a walk through and it was refused by management. In accordance with Georgia Law, a landlord must do a walk through of the premises within three days of a tenant moving out of the premises. That was not done.\n\nO.C.G.A. 44-7-33 provides the following : ( b ) Within three business days after the date of the termination of occupancy, the landlord or his agent shall inspect the premises and compile a comprehensive list of any damage done to the premises which is the basis for any charge against the security deposit and the estimated dollar value of such damage. The tenant shall have the right to inspect the premises within five business days after the termination of the occupancy in order to ascertain the accuracy of the list. The landlord and the tenant shall sign the list, and this shall be conclusive evidence of the accuracy of the list. If the tenant refuses to sign the list, he shall state specifically in writing the items on the list to which he dissents and shall sign such statement of dissent. If the tenant terminates occupancy without notifying the landlord, the landlord may make a final inspection within a reasonable time after discovering the termination of occupancy.\n\nThis was never done with me. I never received a list of damages nor was there ever a walk through. Furthermore, i was never contacted to verify whether or not I disagreed with the damages or not. Per their own document, the charge came 23 days after I moved out of the premises. This action came farther than the time the statute allowed because they were put on notice of my lease termination. \n\nAlso, XXXX XXXX did not inform me they were keeping my security deposit as well. Georgia law requires that a landlord must notify a tenant within thirty days if they are to keep the security deposit and the reasons why. \n\nO.C.G.A. 44-7-34 provides the following : a ) Except as otherwise provided in this article, within one month after the termination of the residential lease or the surrender and acceptance of the premises, whichever occurs last, a landlord shall return to the tenant the full security deposit which was deposited with the landlord by the tenant. No security deposit shall be retained to cover ordinary wear and tear which occurred as a result of the use of the premises for the purposes for which the premises were intended, provided that there was no negligence, carelessness, accident, or abuse of the premises by the tenant or members of his household or their invitees or guests. In the event that actual cause exists for retaining any portion of the security deposit, the landlord shall provide the tenant with a written statement listing the exact reasons for the retention thereof. If the reason for retention is based on damages to the premises, such damages shall be listed as provided in Code Section 44-7-33. When the statement is delivered, it shall be accompanied by a payment of the difference between any sum deposited and the amount retained. The landlord shall be deemed to have complied with this Code section by mailing the statement and any payment required to the last known address of the tenant via first class mail. If the letter containing the payment is returned to the landlord undelivered and if the landlord is unable to locate the tenant after reasonable effort, the payment shall become the property of the landlord 90 days after the date the payment was mailed. Nothing in this Code section shall preclude the landlord from retaining the security deposit for nonpayment of rent or of fees for late payment, for abandonment of the premises, for nonpayment of utility charges, for repair work or cleaning contracted for by the tenant with third parties, for unpaid pet fees, or for actual damages caused by the tenant 's breach, provided the landlord attempts to mitigate the actual damages.\n\nThe statement given to me did not outline any details as to why the security deposit was held. I have also provided an attached bill I received from Online Information Services which is a debt collection agency that XXXX hired. I got notification around XX/XX/XXXX that a bill from XXXX XXXX was submitted to a debt collection agency and reported to my credit resulting in significant financial burdens. I called Online Management multiple times to validate the debt. I never disputed the debt contrary to their letter I asked for Verification which has not been provided.There was no validation sent whatsoever of the supposed debt owed other than a general bill. Furthermore, there was no evidence of a walk through and a checklist that I signed off on indicating said damages. Lastly, there is no indication on the bill that was sent that my security deposit was being withheld which if further indication they did broke the Georgia law in regards to security deposits. \n\nThey also charged a suspect online fee which again I was never informed of. ( Please see attached bill ). \n\nThe amount allegedly owed is {$260.00}. I disagree and will not be held hostage to unfair and bad tactics by XXXX XXXX XXXX XXXX and XXXX XXXX. I have tried several times to reach out to XXXX XXXX XXXX and Online Information Services and I have been refused to be heard about the egregious acts they have portrayed. To have this impact my credit as it is not my debt and not owed has really been a burden they have refused to correct.","date_sent_to_company":"2018-06-13T17:55:30.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"30345","tags":null,"has_narrative":true,"complaint_id":"2934878","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ONLINE Information Services, Inc.","date_received":"2018-06-13T16:24:59.000Z","state":"GA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Nothing in this Code section shall preclude the landlord from retaining the <em>security</em> <em>deposit</em> for nonpayment of rent or of fees for late payment, for abandonment of the premises, for nonpayment of utility charges, for repair work or cleaning contracted for by the tenant with third parties, for unpaid pet fees, or for <em>actual</em> damages caused by the tenant 's breach, <em>provided</em> the landlord attempts to mitigate the <em>actual</em> damages."]},"sort":[18.208239,"2934878"]},{"_index":"complaint-public-v1","_id":"11875169","_score":18.069935,"_source":{"product":"Debt collection","complaint_what_happened":"In XX/XX/year>, I vacated my rental unit at XXXX XXXX owned by XXXX in XXXXXXXX XXXX, in full compliance with my lease terms. Despite this, I was later charged for an additional month of rent that I do not owe. The property management never provided legitimate documentation to justify this charge, and I was not notified of any outstanding balance before it was sent to collections. \n\nThis alleged debt was then reported by Columbia Debt Recovery, impacting my credit. I disputed the debt with XXXX, but they responded by stating that the collection agency confirmed the debt is being recorded correctly without providing actual validation. \n\nUpon further research, I discovered that multiple former tenants of XXXX XXXX have reported experiencing the same fraudulent charge during the same time period, suggesting a pattern of deceptive and predatory practices. \n\nAdditionally, XXXX XXXX advertised a \" monthly security deposit payment '' alternative in place of a traditional refundable security deposit. Tenants were led to believe that these payments would cover move-out costs, but in reality, these payments did not go toward move-out expenses and were never applied to any damages, unpaid rent, or legitimate charges. Instead, this program appears to have been a deceptive scam designed to extract extra payments from tenants with no actual benefit. \n\nSteps Taken : I disputed the debt with XXXX, but they did not conduct a proper investigation. \nI researched other complaints and found that multiple tenants were similarly charged false extra rent and misled by the fraudulent \" security deposit alternative '' program. \nI have not yet received any validation of this debt from Columbia Debt Recovery but will be formally requesting it.","date_sent_to_company":"2025-01-31T19:21:45.000Z","issue":"False statements or representation","sub_product":"Rental debt","zip_code":"80909","tags":null,"has_narrative":true,"complaint_id":"11875169","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis","date_received":"2025-01-31T19:10:11.000Z","state":"CO","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Additionally, XXXX XXXX advertised a \" monthly <em>security</em> <em>deposit</em> payment '' alternative in place of a traditional refundable <em>security</em> <em>deposit</em>. Tenants were led to believe that these payments would cover move-out costs, but in reality, these payments did not go toward move-out expenses and were never applied to any damages, unpaid rent, or legitimate charges. Instead, this program appears to have been a deceptive scam designed to extract extra payments from tenants with no <em>actual</em> benefit."]},"sort":[18.069935,"11875169"]},{"_index":"complaint-public-v1","_id":"7537864","_score":18.018475,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/2023 around XXXX, I attempted to open a new account at Pacific Western Bank and was told in addition to the opening deposit, valid ID, social security number, 2nd form of identification. I was also required to have a account at another bank and that pacific western would need to verify with actual bank statements from that other account. That it has been a requiremt for 1 year now in order to be able to open a new account and I would not be able to obtain an account unless I provided those verifiable statements to them. I called the XXXX number and they attempted to contact management without result.","date_sent_to_company":"2023-09-12T22:43:08.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"91761","tags":"Servicemember","has_narrative":true,"complaint_id":"7537864","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PACIFIC WESTERN BANK","date_received":"2023-09-12T22:28:19.000Z","state":"CA","company_public_response":null,"sub_issue":"Unable to open an account"},"highlight":{"complaint_what_happened":["On XX/XX/2023 around XXXX, I attempted to open a new account at Pacific Western Bank and was told in addition to the opening <em>deposit</em>, valid ID, social <em>security</em> number, 2nd form of identification. I was also required to have a account at another bank and that pacific western would need to verify with <em>actual</em> bank statements from that other account."]},"sort":[18.018475,"7537864"]},{"_index":"complaint-public-v1","_id":"20593404","_score":17.368422,"_source":{"product":"Debt collection","complaint_what_happened":"I am disputing a debt being collected by Professional Debt Mediation related to a prior apartment lease.\n\nThis debt is inaccurate, inflated, and not properly validated.\n\nThe company is attempting to justify charges using photographs that were taken during my tenancy, not after I moved out. These images do not reflect the condition of the unit at move-out and can not be used to support post-tenancy damage claims. Presenting in-tenancy photos as move-out evidence is misleading and does not establish liability.\n\nThere are also clear inconsistencies in the charges : The move-out statement lists a {$200.00} charge for wall/crayon markings, yet the only invoice provided is for {$970.00} for painting services. This invoice does not match the amount charged and appears to be a general or full repaint, not a charge specific to my unit or actual damage.\n\nAdditional charges for blinds replacement ( {$65.00} and {$120.00} ) were included without any invoices, receipts, or photographic proof showing damage or need for replacement.\n\nNo proper accounting of my security deposit has been provided, including how it was applied or itemized against these charges.\n\nI requested validation of this debt, including : Proof of the unit condition at move-out Itemized invoices matching the amounts charged Documentation supporting blinds replacement A full accounting of my security deposit The response failed to provide sufficient documentation to validate the debt.\n\nDespite this, the account has been reported to XXXX  and XXXX, damaging my credit.\n\nThis is an attempt to collect an unsupported and inaccurate amount.\n\nI am requesting : Immediate deletion of this account from all credit bureaus Cessation of all collection activity Proper validation and full accounting of any alleged balance, including the security deposit","date_sent_to_company":"2026-04-30T18:23:32.000Z","issue":"False statements or representation","sub_product":"Rental debt","zip_code":"30013","tags":null,"has_narrative":true,"complaint_id":"20593404","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Professional Debt Mediation, Inc.","date_received":"2026-03-25T19:28:27.000Z","state":"GA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Additional charges for blinds replacement ( {$65.00} and {$120.00} ) were included <em>without</em> any invoices, receipts, or photographic proof showing damage or need for replacement.\n\nNo proper accounting of my <em>security</em> <em>deposit</em> has been <em>provided</em>, including how it was applied or itemized against these charges."]},"sort":[17.368422,"20593404"]},{"_index":"complaint-public-v1","_id":"22233751","_score":16.822142,"_source":{"product":"Checking or savings account","complaint_what_happened":"I initiated a one-time XXXX deposit of my Federal Student Loan funds into an account held by XXXX XXXX XXXX XXXX XXXX : XX/XX/year> ). I was induced into this transaction by XXXX XXXX, who provided his full Social Security Number, Date of Birth, and physical debit card information as a security guarantee. While I authorized the initial deposit, I never consented to any transfers or withdrawals out of the account. \nThe funds were disbursed under my legal name, XXXX XXXX XXXX. Despite the blatant Name Mismatch between the ACH instructions and the account holder, Citibank accepted the funds without inquiry, violating XXXX XXXX protocols. \nUpon observing unauthorized outgoing activity, I immediately contacted Citibank. I informed the bank that a theft of federal funds was in progress and that I was the rightful owner of the funds, as evidenced by the name on the transfer. Despite this \" Actual Knowledge, '' the Citibank representative explicitly refused to freeze the account or stop the fraudulent transfers, stating they would not intervene because I was \" not the account holder. '' This refusal to act on a reported crime while the funds were still present facilitated the total loss of my federal loan money, for which I remain legally liable to the XXXX Government. \nReference Numbers : XXXX Police Report : XXXX","date_sent_to_company":"2026-05-15T06:47:33.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"98103","tags":null,"has_narrative":true,"complaint_id":"22233751","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-05-15T06:40:17.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I initiated a one-time XXXX <em>deposit</em> of my Federal Student Loan funds into an account held by XXXX XXXX XXXX XXXX XXXX : XX/XX/year> ). I was induced into this transaction by XXXX XXXX, who <em>provided</em> his full Social <em>Security</em> Number, Date of Birth, and physical debit card information as a <em>security</em> guarantee. While I authorized the initial <em>deposit</em>, I never consented to any transfers or withdrawals out of the account. \nThe funds were disbursed under my legal name, XXXX XXXX XXXX."]},"sort":[16.822142,"22233751"]},{"_index":"complaint-public-v1","_id":"18589967","_score":16.607466,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX : Self Financial , Inc. / Lead Bank Account Name as Reported : SELF FINANCIAL / LEAD BANK Account Type : Secured Credit Card Responsibility : Individual Account Number : XXXX Date Opened : XX/XX/XXXX Reported Status : Account Charged Off Reported Balance : {$290.00} Charge-Off Amount : {$290.00} written off Past Due Amount : {$290.00} past due as of XX/XX/XXXX Status Last Updated : XX/XX/XXXX Complaint Summary I am formally disputing the accuracy, legality, and continued reporting of the above-referenced secured credit card account. \n\nThis complaint constitutes my first formal request for full accounting records and documentary proof establishing that this alleged obligation is valid, lawfully owned, and accurately reported. I have never previously requested, nor been provided, the documentation demanded below. \n\nThis account is reported as charged off while continuing to show a balance allegedly owed. Because this was a secured credit card, the furnisher must demonstrate how the pledged collateral was applied, whether any loss actually occurred, and whether continued reporting of a balance is accurate. \n\n\n\nKey Issue Secured Account Improperly Reported A secured credit card requires the consumer to provide collateral or a security deposit. Before any charge-off balance may be reported, the furnisher must show : How the security deposit was held How and when the deposit was applied Whether the deposit fully or partially satisfied the obligation Whether any actual economic loss remained after application of collateral Absent this proof, continued reporting of a charged-off balance is inaccurate and misleading.\n\nSpecific Demands for Documentation ( First Formal Request ) I now request that the furnisher produce the following documentation within the CFPB investigation period : 1. Full Accounting Ledger A complete transactional ledger from account origination through charge-off All debits, credits, interest, fees, adjustments, write-downs, and reversals Reconciliation showing how the {$290.00} charged-off balance was calculated 2. Security Deposit / Collateral Accounting Proof of the original security deposit amount Documentation showing how the deposit was held and maintained Evidence of how, when, and where the deposit was applied Proof showing whether the deposit satisfied all or part of the alleged balance 3. Evidence of Disbursement of Funds Proof of actual credit extension beyond the secured deposit, if any Identification of the funding source Evidence that Lead Bank or Self Financial had capital at risk beyond consumer collateral 4. Charge-Off Documentation & Loss Recognition Provide all records related to the charge-off, including : Exact charge-off date Internal charge-off approval records Evidence of actual economic loss after application of collateral Documentation showing compliance with : ASC 310 ( Receivables Recognition and Measurement ) ASC 860 ( Transfers and Servicing of Financial Assets ) Including proof showing whether the receivable was : Written down Written off Derecognized Sold, transferred, or securitized 5. Chain of Title & Proof of Ownership Complete chain of title from origination to present All assignments, transfers, sales, pledges, or securitization events Identification of the current legal owner of the receivable 6. Securitization & Third-Party Transfers All securitization filings, pooling and servicing agreements, or trust disclosures Disclosure of whether this secured receivable was included in any asset-backed security 7. Servicing Authority Proof the entity reporting the account has current legal authority to service, collect, and report Copies of any servicing or sub-servicing agreements 8. Double Recovery Prohibition Because this was a secured account, the furnisher must provide proof that no double recovery occurred through : Retention or application of the security deposit Insurance proceeds Tax deductions Continued collection or reporting of a balance 9. Contract & Signature Validity Proof of a valid, enforceable agreement Wet-ink signature evidence, if claimed Disclosure that electronic signatures alone do not establish ownership, funding, or standing Evidence that any electronic agreement satisfies evidentiary standards for enforcement and credit reporting Reporting Dispute Absent production of the above documentation, the furnisher can not lawfully continue reporting this account as a valid, owed, or collectible obligation.\n\nReporting a charged-off balance on a secured credit card without proof of collateral application, ownership, loss recognition, and authority constitutes inaccurate and misleading credit reporting.Final Notice This complaint places the furnisher on notice that continued reporting of a charged-off secured account without proof of collateral application, ownership, and loss recognition is inaccurate and misleading.\n\nI respectfully request CFPB intervention to compel compliance and prevent further consumer harm.","date_sent_to_company":"2026-01-09T05:11:40.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"02124","tags":"Servicemember","has_narrative":true,"complaint_id":"18589967","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Self Financial Inc.","date_received":"2026-01-09T05:04:55.000Z","state":"MA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["<em>Security</em> <em>Deposit</em> / Collateral Accounting Proof of the original <em>security</em> <em>deposit</em> amount Documentation showing how the <em>deposit</em> was held and maintained Evidence of how, when, and where the <em>deposit</em> was applied Proof showing whether the <em>deposit</em> satisfied all or part of the alleged balance 3."]},"sort":[16.607466,"18589967"]},{"_index":"complaint-public-v1","_id":"15600728","_score":15.999611,"_source":{"product":"Checking or savings account","complaint_what_happened":"Summary : Wells Fargo XXXX branch in XXXX XXXX XXXX. XXXX, XXXX, canceled my account opening twice without explanation, but I decided to show up since I need checking account to get by. I arrive at XXXX appointment that they cancelled without explanation. I get in and I hear \" cancel it '' by manager talking to XXXX XXXX, a teller who I made appointment with. I sit down and provide XXXX XXXX with XXXX forms of ID ( driver license, passport ) and proof of address and portion of salary to deposit in cash. She checked two forms of ID & proof of address as required by Wells Fargo appointment service desk, then said I can not make an account. I asked for information about denial but she kept repeating how there's discrepancy in my records and that she needs to see my social security card as well. I provided social security number to punch pad in front of her as she requested a minute earlier, but she insisted that I bring the actual social security card to which I said I don't have it and it's not what you required for me for account opening. XXXX XXXX, banker, said lied to me that she called about account cancellation which she acknowledged on the spot because she called my number and my phone rang, and she confirmed that's not the number she called. Also, she didn't explain what information discrepancy is blocking her opening account for me and that she just have to see the social security card and nothing else. I find everything happened today Wells Fargo 's yet another abuse of power being too-big-to-fail financial institution, just doing whatever they want to do the business whatever way they want. During this visit, no documentation is provided to me explaining reasons for denial, nor conversation without substantiative information other than basically bring the social security card.","date_sent_to_company":"2025-08-29T16:41:51.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"90706","tags":null,"has_narrative":true,"complaint_id":"15600728","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-08-29T16:15:59.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Unable to open an account"},"highlight":{"complaint_what_happened":["During this visit, no documentation is <em>provided</em> to me explaining reasons for denial, nor conversation <em>without</em> substantiative information other than basically bring the social <em>security</em> card."]},"sort":[15.999611,"15600728"]},{"_index":"complaint-public-v1","_id":"4585544","_score":15.972359,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Self, Inc., represents itself to consumers as a credit monitoring and credit building system that helps consumers with low or damaged credit increase their credit score. Self is a free credit monitoring system. But they also market credit building installment loans. This is where they make their money. \n\nSelf credit monitoring service provides consumers with on-demand access to credit scores, however, the information is usually outdated by several months. It provides consumers access to this outdated credit history at all times. Self also provides consumers with advise on how to improve their credit. They provide this advice free of cost.\n\nHowever, do not provide consumers with advise or actual notice of how Self, Inc. services could actually damage your credit history under the following conditions : ( 1 ) Consumers paying the last payment off early may negatively effect their credit history and negate the entire purpose of the installment loan, or ( 2 ) Return of CD funds at maturity of the installment loan will be compromised by the acceptance of the credit card offered by Self, Inc. or ( 3 ) Self, Inc., will be holding in abatement up to {$370.00} as a security deposit on credit card account, and will not return all of the CD funds at maturity, unless or until, the consumer accepts that all of the benefits of the installment loan are negated and both accounts are reported as closed.\n\nSuch reporting by Self, Inc., damages the consumers credit profile and will negatively impact consumer like me for up to 10 years.\n\nSelfs material failure to provide consumers with actual notice of the change or amendment to one of the fundamental terms and conditions contained in the agreement, i.e., Return of CD at maturity in full has now been effected by consumers acceptance of the credit card offered. This is unlawful as it is in direct contravention to substantive principles in consumer protection laws and contract law in general.\n\nIn other words, the consumer is now subject to double-jeopardy due to the credit card account holding CD funds as security deposit without any actual notice provided, and without the knowledge or consent from the consumer. It is FDIC Insured CD funds misappropriated for a credit card security deposit. The CD funds which can not be accessed by the consum\ner until maturity date is allocated by Self for the security deposit on credit card without notice to the consumer.\n\nThese specific changes by Self, Inc., to the terms and conditions of the agreement transformed the agreement between me and Self, Inc, into to a contract of adhesion. I did not know that the credit card offered would negatively effect the return of my CD upon maturity as promised.\nI discovered this fact when I received only {$160.00} of the CD at maturity instead of {$540.00}. When I inquired about the return of the balance of the CD {$370.00}. Selfs response was simply to say okay, we will start processing the return. I did not know and was not provided actual notice that in order to return the entire CD amount required the closing of the credit card account.\n\nSelfs solicitation to consumers involves the following terms and conditions : For XXXX/month, consumers can rebuild credit. The Self loan isn't your typical loan. It is a loan in reverse. Consumers don't receive the proceeds from the loan upfront. Instead, it's placed in a FDIC insured Certificate of Deposit. The maturity date equals the term of the loan.\n\nYou then make payments over the course of the term of the loan ( 12 to 24 months ).\n\nYour payments are both principal and interest. At the end of the term, the CD matures. You receive the principal, plus the small amount of interest it gained during that time.\n\nAs you make payments, Self reports them to XXXX, XXXX, and XXXX. If you make your payments on time, this will help build up your credit score.\n\nOnce you provide this information, Self runs a check on XXXX. \n\nSimilar to running your credit, this system checks your bank account history. This keeps an eye on how you treat your bank accounts. They look for overdrafts and bad checks. However, unless you let your overdrafts sit unpaid, you should be in good shape. \nIf your XXXX  report comes back clean, Self will ask you which loan amount you want from a predetermined list of options : {$520.00} ( {$25.00} paid over 24 months ) {$540.00} ( {$48.00} paid over 12 months ) I selected this one!\n\n{$1000.00} ( $ XXXX  monthly payment over 12 months ) {$2200.00} ( $ XXXX  monthly payment over 12 months ) You then enter your payment information. You can use a checking account or debit card. However, using a debit card will cost you an additional 2.99 % plus {$0.00} as a convenience fee.\n\nSelf also charges an administrative fee based on your loan amount. It varies between {$9.00} and {$15.00}. The fee is non-refundable, but is a one-time fee. The moment you take out the Credit Builder Loan, you have a FDIC-insured Certificate\nof Deposit opened in your name. Like any other CD, you can not touch the money until it reaches maturity. In this case, it's 12 months. Untrue.\n\nThe bank deposits the full amount in the CD, allowing it to earn 0.10 % interest over the next 12 months, then returned to the consumer. Also untrue.\n\nIt is in the publics best interest and in the interest of consumer protection that Self is held accountable for failing to provide consumers with actual notice as follows : Consumers paying the last payment off early may result in negative credit history reported on your credit profile, even if Maturity date is reached. And will also negate all of the benefits of the installment loan.\n\nReturn of the CD at maturity will be compromised by the consumers acceptance of the credi\nt card offered due to a security deposit held on account, and taken out of CD funds prior to maturity. FDIC rules do not apply.\n\nPrior to offering credit card to build credit history : Self intends on utilizing or accessing or apportioning a substantial part of your FDIC Insured Certificate of Deposit Savings Account beyond date of maturity or subject to additional terms and conditions not previously disclosed to consumers, i.e. consumer must accept the negative reporting of the credit card account as a closed account on the consumers credit file that will negatively effect the consumer for up to 10 years. \n\nWARNING : Do not pay the XXXX XXXX XXXX early even if offered by Self. If you pay it off early, you negate the benefits of the installment loan. You can not touch the CD until maturity or you risk paying a penalty, however, Self can and will at any time for credit card deposits without any notice or consent to consumers.","date_sent_to_company":"2021-07-29T15:38:17.000Z","issue":"Confusing or missing disclosures","sub_product":"Credit repair services","zip_code":"92109","tags":null,"has_narrative":true,"complaint_id":"4585544","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Self Financial Inc.","date_received":"2021-07-29T15:20:34.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["In other words, the consumer is now subject to double-jeopardy due to the credit card account holding CD funds as <em>security</em> <em>deposit</em> <em>without</em> any <em>actual</em> notice <em>provided</em>, and <em>without</em> the knowledge or consent from the consumer. It is FDIC Insured CD funds misappropriated for a credit card <em>security</em> <em>deposit</em>. The CD funds which can not be accessed by the consum\ner until maturity date is allocated by Self for the <em>security</em> <em>deposit</em> on credit card <em>without</em> notice to the consumer."]},"sort":[15.972359,"4585544"]},{"_index":"complaint-public-v1","_id":"5837612","_score":15.802231,"_source":{"product":"Mortgage","complaint_what_happened":"Respondent : Nationstar Mortgage d/b/a Mr. Cooper XXXX Texas XXXX Petition for equitable relief, equity will not suffer a wrong with out a remedy, and I have been wronged. \n\nOn XX/XX/XXXX I sent a conditional offer to respondent 's alleged debt in the amount of {$4000.00} upon proof of validation/verification of the alleged debt. On XX/XX/XXXX I sent an offer along with 2 negotiable instruments with very specific instructions as an attempt to offset the alleged debt. My negotiable instruments have not been applied to the alleged debt nor have they been returned. On XX/XX/XXXX I sent another conditional acceptance of the respondent 's offer upon receipt of specific documentation validating the debt. On XX/XX/XXXX I received an offer from respondent for payment refuting my allegations of not being provided information to submit a debt validation request. However, the XXXX XXXXnformation that I requested was not provided on any statement I received. XXXX sent another offer on XX/XX/XXXX refuting my XX/XX/XXXX offer without returning my negotiable instruments acknowledging that only a check for {$1300.00} had been applied to my account. On XX/XX/XXXX I sent another conditional offer upon proof of claim that a valid debt exists. On XX/XX/XXXX a final notarized QWR offer was sent to respondent. \n\nThe respondent has yet to provide said XXXX XXXX XXXX XXXX XXXX XXXX ) that can easily prove that an actual loan was given from \" assumed '' lender to \" alleged '' borrower. While a signed note is legally valid and enforceable against the signatory and the unsigned party can't be legally held accountable to the terms of the contract, what is so difficult about showing the accounting and proving the actual debt? Unless the accounting will prove there is no actual loan because there was no actual currency given? Unless my original note was securitized without my knowledge, indorsed by the bank and used as a deposit on their accounting ledger to fund my own \" loan ''? And thus, I signed the note without full discloser under fraud? Further a unilateral contract is at best an imperfect gift, and it was never my intention to give my property to the respondent and demand its immediate return. \n\nDeeds of trust/mortgages conveying an interest in property are security instruments, they are not liens. When the lien is satisfied the securities, or if converted ( sold to a third party ), their value are to be returned to the mortgagor, along with THEIR GAIN. \n\nThe lender ( s ) never signed the original note because they know that whom ever signed it would be admitting to lending fraud. If my suspensions are incorrect then validate the debt by show the XXXX and this matter will be closed. What are they hiding?","date_sent_to_company":"2022-08-19T22:59:54.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"32809","tags":null,"has_narrative":true,"complaint_id":"5837612","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2022-08-03T19:11:59.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Unless the accounting will prove there is no <em>actual</em> loan because there was no <em>actual</em> currency given? Unless my original note was securitized <em>without</em> my knowledge, indorsed by the bank and used as a <em>deposit</em> on their accounting ledger to fund my own \" loan ''? And thus, I signed the note <em>without</em> full discloser under fraud? Further a unilateral contract is at best an imperfect gift, and it was never my intention to give my property to the respondent and demand its immediate return."]},"sort":[15.802231,"5837612"]},{"_index":"complaint-public-v1","_id":"17908039","_score":15.70352,"_source":{"product":"Debt collection","complaint_what_happened":"In early XXXX, ownership of the duplex I was renting transferred to XXXX XXXX. I moved out on XX/XX/XXXX, before the new management was fully involved. I paid my rent as required under my original lease. I did not pay a security deposit to XXXX XXXX, and I did not enter into a new lease agreement with them. \nWeeks later, in XX/XX/XXXX, I received a bill for approximately {$1200.00} from XXXX XXXX for alleged property damages and cleaning charges. The photos they later provided as evidence included images of the opposite side of the duplex, not the unit I occupied. \nMany of the conditions they attempted to charge for ( wall marks, ceiling discoloration, and cosmetic issues ) existed when I moved in, which I documented in writing at the time. There was also prior storm-related ceiling damage that predated my tenancy. \nI disputed these charges immediately in writing in XX/XX/XXXX and explained that : I was not their tenant under a signed lease. \nI did not pay them a security deposit. \nThe damages shown were pre-existing or from the wrong unit entirely. \nAfter this dispute, I received no further collection activity for years. However, in XXXX, this same alleged debt suddenly appeared on my credit report for the first time, over XXXX years later, without any valid supporting documentation tied to my actual unit. \nThis debt is inaccurate, improperly documented, and appears to be reported in error or based on incorrect property photos. I am requesting full validation, correction, and removal of this tradeline.","date_sent_to_company":"2025-12-10T03:21:06.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"727XX","tags":null,"has_narrative":true,"complaint_id":"17908039","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"HW Holding, Inc","date_received":"2025-12-10T02:46:07.000Z","state":"AR","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I did not pay them a <em>security</em> <em>deposit</em>. \nThe damages shown were pre-existing or from the wrong unit entirely. \nAfter this dispute, I received no further collection activity for years. However, in XXXX, this same alleged debt suddenly appeared on my credit report for the first time, over XXXX years later, <em>without</em> any valid supporting documentation tied to my <em>actual</em> unit. \nThis debt is inaccurate, improperly documented, and appears to be reported in error or based on incorrect property photos."]},"sort":[15.70352,"17908039"]},{"_index":"complaint-public-v1","_id":"20491138","_score":15.648135,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I discovered in XXXX that an auto loan had been opened in my name as a co-borrower without my knowledge or authorization. I did not request this loan, was not present during the origination process, and did not knowingly sign any agreement. \n\nI previously reported this matter to Banco Popular and submitted a complaint through the CFPB. In their response dated XX/XX/XXXX, the bank stated that my personal information and a government-issued identification were verified. However, they failed to provide any actual evidence of such verification. \n\nSpecifically, the bank has not provided a copy of the identification allegedly used, any documentation showing that I was physically present, or any explanation of how my identity or signature was authenticated. The presence of personal information such as my name, date of birth, and Social Security number does not establish authorization. \n\nAny documents used to verify income could have been submitted by a third party without my knowledge or consent. The bank has not demonstrated that I personally provided or authorized the use of such documentation. \n\nThe bank also referenced payment activity from a deposit account, but did not disclose that this was a joint account accessible by another party, which does not establish my consent or participation in the loan. \n\nBecause Banco Popular has not provided verifiable proof that I authorized this account, I continue to dispute their findings and request that they be required to produce documentation demonstrating how my identity and consent were verified at the time of origination.","date_sent_to_company":"2026-03-22T20:55:35.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"32207","tags":null,"has_narrative":true,"complaint_id":"20491138","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANCO POPULAR DE PUERTO RICO","date_received":"2026-03-22T20:45:04.000Z","state":"FL","company_public_response":null,"sub_issue":"Loan opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["However, they failed to provide any <em>actual</em> evidence of such verification. \n\nSpecifically, the bank has not <em>provided</em> a copy of the identification allegedly used, any documentation showing that I was physically present, or any explanation of how my identity or signature was authenticated. The presence of personal information such as my name, date of birth, and Social <em>Security</em> number does not establish authorization."],"sub_issue":["Loan opened <em>without</em> my consent or knowledge"]},"sort":[15.648135,"20491138"]},{"_index":"complaint-public-v1","_id":"8700597","_score":15.616457,"_source":{"product":"Checking or savings account","complaint_what_happened":"As of XX/XX/year> Navy Federal Credit Union Has Taken My SSXXXXI Payment to allegedly satisfy a Lien I was. Now my Government Benefits to pay for my housing is gone and my home is unpaid. I was told this was to cover a Lien, I was never given notice of an actual lien. \n\nThey Posted the Debit for a Credit Reversal From a Dispute which is still ongoing. They cant even provide proof they even engaged in a dispute with information provided. \n\nSo how can NFCU be taking conclusive action. NFCU has also closed my account without notice. It is Navy Federal Credit Unions Job to Dispute the Transaction and negotiate the fee or dispute it to XXXX based on the defects. XXXX claims NFCU hasnt even reached out to them yet they are sabotaging my account. NFCU refuses to respond to the CFPB complaint ( s ), yet they are taking adverse actions against me and my accounts. \n\nGovernment Payments are only able to be garnished or levied by the US Department of Treasury. Here I am without my SSXXXX Payment, For a Lien there was no notice provided for. Which is not a lien it is an overdraft created from a dispute they failed to dispute. \n\nWhich is unacceptable. \n\n******************************************************************************* Can a debt collector take my federal benefits, like Social Security or VA payments? \n\nBefore a debt collector can take Social Security or VA benefits, they must sue you and win a judgment against you for the amount you owe. Then, the debt collector must get a court order that tells your bank or credit union to turn over money from your account or prepaid card. This is called garnishment. \n\nThe key to making sure your federal benefits are legally protected from being frozen or garnished is to use direct deposit to put the money into your account or prepaid card. You can sign up anytime to have federal benefits direct deposited to your bank account or loaded onto a prepaid card. \n\nAs long as I am using direct deposit, which federal benefits are protected? \nMoney you receive and direct deposit to your account or card from the following government programs is protected : Social Security benefits Supplemental Security Income ( SSI ) benefits Veterans benefits Civil service and federal retirement and XXXX benefits Servicemember pay Military annuities and survivor benefits Federal student aid Railroad retirement benefits Financial assistance from the Federal Emergency Management Agency ( FEMA ) ********************************************* XXXX XXXX XXXX XXXX I am requesting all correspondences be submitted to CFPB ONLY Do not call or Write. I want the correspondence accessible to the regulators and in writing electronically stamps. \n\nCopies Sent to / via : Navy Federal Credit Union Consumer Financial Protection Bureau All Correspondences Can be sent to : XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-04-04T04:27:34.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"28277","tags":null,"has_narrative":true,"complaint_id":"8700597","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2024-04-04T04:11:59.000Z","state":"NC","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I was told this was to cover a Lien, I was never given notice of an <em>actual</em> lien. \n\nThey Posted the Debit for a Credit Reversal From a Dispute which is still ongoing. They cant even provide proof they even engaged in a dispute with information <em>provided</em>. \n\nSo how can NFCU be taking conclusive action. NFCU has also closed my account <em>without</em> notice. It is Navy Federal Credit Unions Job to Dispute the Transaction and negotiate the fee or dispute it to XXXX based on the defects."]},"sort":[15.616457,"8700597"]},{"_index":"complaint-public-v1","_id":"2152386","_score":15.447869,"_source":{"product":"Mortgage","complaint_what_happened":"It is in connection to a loan application process taken XX/XX/XXXX and XX/XX/XXXX with Wells Fargo Loan Officer XXXX XXXX, XXXX # XXXX. I did not learn of this fraud until XX/XX/XXXX when I discovered the close relationship between him and his affiliated home builder. Their relationship is more than business associate ; they together serve board of XXXX XXXX XXXX XXXX. They are also longtime friends. This fraud begun XX/XX/XXXX when XXXX XXXX 's affiliated builder, XXXX XXXX , XXXX sent us to him. XXXX XXXX falsified the assets and incomes and submitted the fraudulent loan application to Wells Fargo home mortgage for an approval for a loan without my and my husband 's knowledge. On the fraudulent loan application Defendant intentionally miscalculated to inflate the total assets by over {$33000.00} and masked the miscalculation in other section of total sum. He also falsely inflated the one of the incomes ( Social Security Benefits ) by over {$7200.00}. When I questioned the Social Security Income that did not reflect our actual incomes, XXXX XXXX lied to us that any Social Security Benefit is required to grossed up per the HUD and IRS rules. He knew that my Social Security Benefits is a taxable income therefore it can not be grossed up because of the tax information I provided about my Social Security Benefits. Instead, Defendant falsely inflated Social Security Benefits XXXX percent more than the standards required by the HUD and IRS rules. What 's more, unbeknownst to us, Loan officer XXXX XXXX manipulated Debt to Income ratio ( DTI ) by omitting a debt that is already disclosed on the loan application to bring the DTI ratio down to under XXXX % in order to approve us for a loan. This fraud was hidden in plain sight on the loan application that we had no way to detect or suspect any fraud because all of the financial information on the loan application matched what I had provided to XXXX XXXX. Because of his close relationship with his builder, he knew the real estate contract had a clause where I would lose the deposit of {$25000.00} should I fail to obtain the financing and go in default. With his false statements and false representation, we were led to believe that we are qualified and signed a real estate contract and deposited {$25000.00} with his affiliated builder. \n\nXX/XX/XXXX during the course of loan process, when we were unable to sell our existing home for down payment, Defendant offered to get us additional loan knowing that with our financial condition, we were no way be qualified for additional loan. We rejected the offer. XXXX XXXX then declared we do n't proceed the loan application. XXXX XXXX and his builder, dumped us by terminating the real estate contract. Clearly, XXXX XXXX XXXX XXXX concealed his fraud work on the loan application but led us to believe that we were failing to secure loan and lost deposit of {$25000.00} by rejecting a bridge loan. As I discovered, with our actual assets, incomes and DTI ratio, we had never been approved for a loan in the first place. With his fraud and deception, we were approved for a loan and then lost {$25000.00} to his friend, the Builder. He was doing this fraud to give the benefits to his friend, XXXX XXXX as well as himself. If I had known of this fraud and the fact that we had never been approved for a loan, we would never have lost our deposit of {$25000.00}. Clearly, this is a scam.","date_sent_to_company":"2016-10-13T15:14:48.000Z","issue":"Application, originator, mortgage broker","sub_product":"Conventional adjustable mortgage (ARM)","zip_code":"20774","tags":null,"has_narrative":true,"complaint_id":"2152386","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2016-10-07T18:58:47.000Z","state":"MD","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":["When I questioned the Social <em>Security</em> Income that did not reflect our <em>actual</em> incomes, XXXX XXXX lied to us that any Social <em>Security</em> Benefit is required to grossed up per the HUD and IRS rules. He knew that my Social <em>Security</em> Benefits is a taxable income therefore it can not be grossed up because of the tax information I <em>provided</em> about my Social <em>Security</em> Benefits. Instead, Defendant falsely inflated Social <em>Security</em> Benefits XXXX percent more than the standards required by the HUD and IRS rules."]},"sort":[15.447869,"2152386"]},{"_index":"complaint-public-v1","_id":"21112434","_score":15.422423,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing a formal complaint regarding unauthorized access to my safe deposit box and potential negligence by U.S. Bank. \n\nAt the time of opening and managing my safe deposit box at the XXXX branch, I clearly and repeatedly instructed the banker that no oneincluding my sonwas authorized to access the box independently under any circumstances. I explicitly stated that access should only be granted in my presence. \n\nThis instruction was consistent with my long-standing banking practice. For over XXXX  years, I maintained similar accounts both at other institutions and at U.S. Banks XXXX branch, where my requirement was always clearly documented and followed : no individual access without me present. \n\nIt appeared that the banker may have misunderstood or incorrectly recorded my instructions at the time the account was set up. However, regardless of any misunderstanding, the bank had a responsibility to properly document authorization and verify access before allowing entry.\n\nDespite my clear instructions, U.S. Bank allowed my son to access the safe deposit box independently and remove all contents without my authorization.\n\nAdditionally, when I requested documentation of the agreement and signature records associated with my safe deposit box, the branch manager did not provide the specific signed agreement or signature card. I was instead given general documents that do not reflect the actual terms and authorization instructions I provided. \n\nThis raises serious concerns about : Failure to follow explicit customer instructions Improper verification of access authorization Potential negligence in handling safe deposit box security Lack of transparency in providing signed contractual documents I respectfully request : XXXX. A full investigation into how unauthorized access was granted XXXX. Copies of all signed agreements, signature cards, and access logs XXXX. An explanation of the banks verification procedures used in this case XXXX. Appropriate corrective action and accountability This situation has caused significant financial and emotional harm, and I am seeking a fair and thorough resolution.","date_sent_to_company":"2026-05-20T12:01:05.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"91356","tags":null,"has_narrative":true,"complaint_id":"21112434","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2026-04-09T23:34:37.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["Bank allowed my son to access the safe <em>deposit</em> box independently and remove all contents <em>without</em> my authorization.\n\nAdditionally, when I requested documentation of the agreement and signature records associated with my safe <em>deposit</em> box, the branch manager did not provide the specific signed agreement or signature card. I was instead given general documents that do not reflect the <em>actual</em> terms and authorization instructions I <em>provided</em>."]},"sort":[15.422423,"21112434"]},{"_index":"complaint-public-v1","_id":"13945478","_score":15.202419,"_source":{"product":"Debt collection","complaint_what_happened":"I am submitting this complaint because a paid account is being falsely reported as a collection by XXXX Apartments on my credit report. \n\nI provided a move-out notice and paid my last months rent in full on XX/XX/XXXX, prior to vacating the unit. I have attached the full payment receipt and official move-out letter from the property XXXX confirming my last rent was due by XX/XX/XXXX and that my move-out date was XX/XX/XXXX. \n\nDespite this, the apartment complex or third-party collector reported me to TransUnion. I submitted a dispute on XX/XX/XXXX ( Dispute ID : XXXX ) and attached all proof, but TransUnion has not resolved the matter. \n\nIn addition, XXXX XXXX XXXX is also reporting me negatively on Experian for a debt I do not owe. I never received validation of this debt, and it was denied without proper justification even though the original balance was already paid as shown. \n\nThese actions violate the Fair Credit Reporting Act and possibly the Fair Debt Collection Practices Act, as these companies are furnishing false information that damages my credit. \n\nI paid my final rent in full before moving out, and I recieved no communication about any outstanding amount. The collection placement appears to be the result of negligence, not an actual valid debt. This failure to notify me and the unjustified reporting of a collection has harmed my credit and violates both state and federal consumer protection laws. \n\nXXXX Apartments never provided any written notice of a balance due, nor did they send a final itemized accounting of deductions from security deposit within 21 days, as required by California XXXX XXXX XXXX XXXX ( g ) In addition, Birchwood Apartments has not returned my security deposit or provided an itemized list of any deductions, which is required by California XXXX XXXX XXXX XXXX ( g ). It has been well over 21 days since I vacated the unit on XXXX XXXX. \n\nTheir failure or return my deposit, combined with their lack of communication and incorrect reporting of a collection to credit bureaus, is not only negligent but unlawful. I never received any notice of outstanding debt, and I paid my final rent on time as documented. \n\nI am requesting immediate full deletion of this collection account from all credit bureaus and a written confirmation that my credit reports will be corrected immediately.","date_sent_to_company":"2025-06-06T07:17:41.000Z","issue":"Written notification about debt","sub_product":"Rental debt","zip_code":"95035","tags":null,"has_narrative":true,"complaint_id":"13945478","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"T.S. Holdings","date_received":"2025-06-06T06:41:53.000Z","state":"CA","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["XXXX Apartments never <em>provided</em> any written notice of a balance due, nor did they send a final itemized accounting of deductions from <em>security</em> <em>deposit</em> within 21 days, as required by California XXXX XXXX XXXX XXXX ( g ) In addition, Birchwood Apartments has not returned my <em>security</em> <em>deposit</em> or <em>provided</em> an itemized list of any deductions, which is required by California XXXX XXXX XXXX XXXX ( g ). It has been well over 21 days since I vacated the unit on XXXX XXXX."]},"sort":[15.202419,"13945478"]},{"_index":"complaint-public-v1","_id":"18921954","_score":15.059304,"_source":{"product":"Debt collection","complaint_what_happened":"This was our most recent response TO the debt collector and property manager : Retention Rights of Security Deposit ( Tenn. Code Ann . 66-28-301 ) : We provided over 30 days ' notice of our vacancy due to out-of-state job placement as a XXXX XXXX, XXXX. We explicitly requested a copy of the inspection/ exit form and provided a forwarding address. XXXX XXXX XXXX did not provide the inspection/ exit form within 30 days. Photographs or lists provided months after our request are legally insufficient. Post-Hoc Documentation, photos taken after our vacancy, does not satisfy the requirements of XXXX. We do not accept these as valid evidence of our liability. We accept the forfeiture of our {$1400.00} security deposit for interior painting and cleaning fees. \n\nBad Faith Rejection of Mitigation : We offered a settlement totaling {$4400.00} ( the equivalent of three months ' rent via {$2900.00} cash plus forfeiture of our {$1400.00} deposit ). The landlord 's rejection of this 90-day rent equivalent constitutes a failure to mitigate damages under Tenn. Code Ann. 66-28-507. We demand proof of the date a new tenant took possession, as we believe this collection attempt constitutes a \" double recovery '' windfall. Furthermore, we contest the inclusion of monthly pet fees in any penalty calculation ; these are service fees and do not constitute \" actual damages. '' FDCPA Violations/Violation of Notice Requirements : Despite having our forwarding address as provided in the exit notice that was required by XXXX XXXX XXXX XXXX you failed to provide the primary account holder, XXXX XXXX XXXX with proper and required validation notice, instead sending correspondence to a third-party family residence ( the secondary holders elderly parent ) while bypassing the provided address is a bad-faith tactic that denied us the opportunity to resolve this before \" fees '' were added. Once the secondary holder, XXXX, received the notice, an email response was immediately sent to The Law Offices of Jennifer McCoy disputing the debt amount. The dispute followed the format and timeline as stated on the Law Office form. A follow up phone conversation with XXXX of The Law Offices of Jennifer McCoy affirmed that the forwarding address, the exit form, or proof of damages were never provided to the Law Office/ Debt Collector to ensure proper and timely notice. XXXX received the itemized listing on XX/XX/year> and indicated she would send a copy via postal mail to the address provided. Furthermore, the primary account holder, XXXX, left multiple voicemails without a return response from the property management in an effort to proactively address the early termination. As of today, XX/XX/year>, we have still not received the comprehensive list of damages. \n\nImproper Inclusion of Attorney Fees The balance of {$5000.00} improperly includes attorney and service fees. These fees were not incurred through a judicial proceeding and could have been avoided entirely had XXXX XXXX XXXX followed proper and reasonable communication protocols and/or responded to the primary account holder. Under FDCPA 1692f ( 1 ), it is an unfair practice to collect any amount ( including fees ) unless authorized by the agreement or permitted by law. Because we provided a forwarding address and proactively offered a settlement of {$4400.00} ( 2 months of rent equivalent and security deposit ), any \" legal fees '' added to this account are unreasonable, unearned, and disputed.","date_sent_to_company":"2026-01-26T22:04:27.000Z","issue":"Written notification about debt","sub_product":"Rental debt","zip_code":"62959","tags":null,"has_narrative":true,"complaint_id":"18921954","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"The Law Offices of Jennifer McCoy, PC","date_received":"2026-01-22T14:27:19.000Z","state":"IL","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Because we <em>provided</em> a forwarding address and proactively offered a settlement of {$4400.00} ( 2 months of rent equivalent and <em>security</em> <em>deposit</em> ), any \" legal fees '' added to this account are unreasonable, unearned, and disputed."]},"sort":[15.059304,"18921954"]},{"_index":"complaint-public-v1","_id":"15126350","_score":14.779853,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint as a follow-up to a prior CFPB complaint that was closed without resolution, despite the fact that the furnisher ( ProCollect, Inc. ) has failed to comply with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) .Violations and Issues : ProCollect reported an alleged debt to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX but did not officially charge off the account until XX/XX/XXXX from the original creditor XXXX Townhomes per the balance ledger that I received from ProCollect This is a direct violation of FCRA 623 ( a ) ( 5 ) for reporting an inaccurate charge-off date and past-due status.\n\nThe lease agreement provided by ProCollect lists a term of XX/XX/XXXX XX/XX/XXXX which is incorrect lease term that was provided while my actual lease term was XXXX a balance ledger containing duplicate charges conflicting credits and misapplied security deposits and erroneous reletting fee charge {$1700.00} they are attempting to collect on an account without a valid contractual basis.\n\nDespite multiple disputes, ProCollect has failed to provide a lawful Method of Verification as required by FCRA 611 ( a ) ( 7 ).\n\nProCollect is furnishing false and incomplete information to consumer reporting agencies, knowingly providing inaccurate balances, incorrect lease dates, and falsified account statuses .As a result of ProCollects willful violations and the original creditors failure to maintain accurate records, I have been denied housing applications and have suffered financial harm due to this false reporting.\n\nthey do not have a valid contract that reflects my actual lease period that is a violation of FDCPA 809 ( b ) they are attempting to collect using false representation of the legal contract re-aging account or using wrong contract terms is illegal furnishing of false data to CRAs","date_sent_to_company":"2025-08-06T15:01:16.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"75204","tags":null,"has_narrative":true,"complaint_id":"15126350","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"ProCollect, Inc.","date_received":"2025-08-06T13:41:48.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["The lease agreement <em>provided</em> by ProCollect lists a term of XX/XX/XXXX XX/XX/XXXX which is incorrect lease term that was <em>provided</em> while my <em>actual</em> lease term was XXXX a balance ledger containing duplicate charges conflicting credits and misapplied <em>security</em> <em>deposits</em> and erroneous reletting fee charge {$1700.00} they are attempting to collect on an account <em>without</em> a valid contractual basis."]},"sort":[14.779853,"15126350"]},{"_index":"complaint-public-v1","_id":"15124170","_score":14.770883,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint as a follow-up to a prior CFPB complaint that was closed without resolution, despite the fact that the furnisher ( XXXX, XXXX ) has failed to comply with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) .Violations and Issues : XXXX reported an alleged debt to XXXX XXXX XXXX XXXXnd TransUnion on XX/XX/XXXX XXXX but did not officially charge off the account until XX/XX/XXXX from the original creditor XXXXXXXX XXXX per the balance ledger that I received from ProCollect This is a direct violation of FCRA 623 ( a ) ( 5 ) for reporting an inaccurate charge-off date and past-due status.\n\nThe lease agreement provided by XXXX lists a term of XX/XX/XXXX XX/XX/XXXX which is incorrect lease term that was provided while my actual lease term was XXXX a balance ledger containing duplicate charges conflicting credits and misapplied security deposits and erroneous reletting fee charge {$1700.00} they are attempting to collect on an account without a valid contractual basis. \nDespite multiple disputes, XXXX has failed to provide a lawful Method of Verification as required by FCRA 611 ( a ) ( 7 ). \nXXXX is furnishing false and incomplete information to consumer reporting agencies, knowingly providing inaccurate balances, incorrect lease dates, and falsified account statuses .As a result of XXXX willful violations and the original creditors failure to maintain accurate records, I have been denied housing applications and have suffered financial harm due to this false reporting.\n\nthey do not have a valid contract that reflects my actual lease period that is a violation of FDCPA 809 ( b ) they are attempting to collect using false representation of the legal contract re-aging account or using wrong contract terms is illegal furnishing of false data to CRAs","date_sent_to_company":"2025-08-06T15:01:26.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"75204","tags":null,"has_narrative":true,"complaint_id":"15124170","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-06T15:00:49.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["The lease agreement <em>provided</em> by XXXX lists a term of XX/XX/XXXX XX/XX/XXXX which is incorrect lease term that was <em>provided</em> while my <em>actual</em> lease term was XXXX a balance ledger containing duplicate charges conflicting credits and misapplied <em>security</em> <em>deposits</em> and erroneous reletting fee charge {$1700.00} they are attempting to collect on an account <em>without</em> a valid contractual basis."]},"sort":[14.770883,"15124170"]},{"_index":"complaint-public-v1","_id":"17701532","_score":14.540914,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint regarding a debt being reported and collected by XXXX XXXX XXXX for an alleged apartment balance in the amount of {$2600.00} from my former residence at XXXX XXXX, XXXX, TX. \n\nMy move-out date was XX/XX/year>. \n\nThis balance is not for unpaid rent. It was assessed for furniture left inside the unit and alleged damages. I dispute this debt for the following reasons : I notified the landlord prior to move-out that I had undergone a XXXX only XXXX weeks earlier and was medically unable to remove the remaining furniture myself. \n\nI communicated with the landlord about my medical condition and the circumstances surrounding my move-out. I asked for accommodation or assistance to remove the last items, but instead, I was charged without consideration for the situation. \n\nI was never provided an itemized list of charges with timestamps, photos, invoices, or repair receipts, as required under Texas Property Code regarding move-out charges and security deposit accounting.\n\nThe balance appears inflated and punitive, not limited to actual and reasonable costs of item removal and repairs. \n\nThe debt was sent to collections before documentation was provided or before I had an opportunity to dispute the charges with the landlord. \n\nI believe XXXX XXXX XXXX has continued to collect on a disputed and unverified debt, which is a potential violation of : Texas Finance Code Chapter 392 Texas Debt Collection Act Fair Debt Collection Practices Act ( FDCPA ) general standards for debt validation I have previously attempted to communicate with the landlord regarding the move-out balance and requested justification for the charges, but I have not been provided with the legally required documentation.","date_sent_to_company":"2025-12-04T21:04:33.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"39501","tags":null,"has_narrative":true,"complaint_id":"17701532","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-04T21:04:09.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I asked for accommodation or assistance to remove the last items, but instead, I was charged <em>without</em> consideration for the situation. \n\nI was never <em>provided</em> an itemized list of charges with timestamps, photos, invoices, or repair receipts, as required under Texas Property Code regarding move-out charges and <em>security</em> <em>deposit</em> accounting.\n\nThe balance appears inflated and punitive, not limited to <em>actual</em> and reasonable costs of item removal and repairs."]},"sort":[14.540914,"17701532"]},{"_index":"complaint-public-v1","_id":"17702383","_score":14.5161915,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint regarding a debt being reported and collected by XXXX XXXX XXXX for an alleged apartment balance in the amount of {$2600.00} from my former residence at XXXX XXXX, XXXX, TX. \n\nMy move-out date was XX/XX/year>. \n\nThis balance is not for unpaid rent. It was assessed for furniture left inside the unit and alleged damages. I dispute this debt for the following reasons : I notified the landlord prior to move-out that I had undergone a XXXX only XXXX weeks earlier and was medically unable to remove the remaining furniture myself. \n\nI communicated with the landlord about my medical condition and the circumstances surrounding my move-out. I asked for accommodation or assistance to remove the last items, but instead, I was charged without consideration for the situation. \n\nI was never provided an itemized list of charges with timestamps, photos, invoices, or repair receipts, as required under Texas Property Code regarding move-out charges and security deposit accounting.\n\nThe balance appears inflated and punitive, not limited to actual and reasonable costs of item removal and repairs. \n\nThe debt was sent to collections before documentation was provided or before I had an opportunity to dispute the charges with the landlord. \n\nI believe XXXX XXXX XXXX has continued to collect on a disputed and unverified debt, which is a potential violation of : Texas Finance Code Chapter 392 Texas Debt Collection Act Fair Debt Collection Practices Act ( FDCPA ) general standards for debt validation I have previously attempted to communicate with the landlord regarding the move-out balance and requested justification for the charges, but I have not been provided with the legally required documentation.","date_sent_to_company":"2025-12-04T21:04:33.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"39501","tags":null,"has_narrative":true,"complaint_id":"17702383","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-04T20:45:51.000Z","state":"MS","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I asked for accommodation or assistance to remove the last items, but instead, I was charged <em>without</em> consideration for the situation. \n\nI was never <em>provided</em> an itemized list of charges with timestamps, photos, invoices, or repair receipts, as required under Texas Property Code regarding move-out charges and <em>security</em> <em>deposit</em> accounting.\n\nThe balance appears inflated and punitive, not limited to <em>actual</em> and reasonable costs of item removal and repairs."]},"sort":[14.5161915,"17702383"]},{"_index":"complaint-public-v1","_id":"9947805","_score":14.51153,"_source":{"product":"Debt collection","complaint_what_happened":"Re : Set Company ( XXXX XXXX ) and Fair Collections & Outsourcing, Inc To whom may it concern, After viewing and reading the documents that Fair Collections & Outsourcing , Inc submitted to the Consumer Financial Protection Bureau, I have noticed several violations the set company and Fair Collections & Outsourcing , Inc have committed. This letter serves as a formal notice of your violations. Please find below the list of the following violations : ( 1 ) s. 83.49 ( 3 ) ( a ) Florida Statutes 83.49Deposit money or advance rent ; duty of landlord and tenant.\n\n( 3 ) The landlord or the landlords agent may disburse advance rents from the deposit account to the landlords benefit when the advance rental period commences and without notice to the tenant. For all other deposits : ( a ) Upon the vacating of the premises for termination of the lease, if the landlord does not intend to impose a claim on the security deposit, the landlord shall have 15 days to return the security deposit together with interest if otherwise required, or the landlord shall have 30 days to give the tenant written notice by certified mail to the tenants last known mailing address of his or her intention to impose a claim on the deposit and the reason for imposing the claim. The notice shall contain a statement in substantially the following form : This is a notice of my intention to impose a claim for damages in the amount of. Upon your security deposit, due to. It is sent to you as required by s. 83.49 ( 3 ), Florida Statutes. You are hereby notified that you must object in writing to this deduction from your security deposit within 15 days from the time you receive this notice, or I will be authorized to deduct my claim from your security deposit. Your objection must be sent to ( landlords address ).\n\nIt was the set company duty to provide Notice of Intention to Impose Claim on the Security Deposit s. 83.49 ( 3 ) ( a ) Florida Statutes. Fair Collections & Outsourcing , Inc. did not provide this document with the documents provided to the Consumer Financial Protection Bureau.\n\n( 2 ) 15 USC 1692g 807 ( 2 ) ( a ) 807. False or misleading representations debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; The set company provided falsified information stating that the previous tenant vacated the premises on XX/XX/2019. The set company closeout this falsified documents on XX/XX/2019. Also stated that the tenant didn't leave the keys and garage remote. Which is incorrect, attached please find hotel statements which states set date in question and the set company alter the dates of move out. It will show previous tenant left on Sunday, XXXX XXXX. How can we trust the set company and Fair Collections & Outsourcing , Inc. when they are providing false information and amount.\n\nThe purpose of the Act The Florida Consumer Collections Practices Act is a detailed statute enacted by the Florida Legislature to limit a number of abuses in connection with the collection of debts by a collection agency or any business that frequently engages in the collection of debts. Another purpose of the Act was to protect an individual 's right to privacy.\n\nThe Act and the Original Creditor The Florida Consumer Collection Practices Act governs not only debt collectors but also original creditors. The landlord and management company would typically be considered the original creditor, unless the account is acquired during an ongoing tenancy. This Act will also apply against successor owners or management companies. \n\nPenalties The Act imposes administrative, civil and even criminal penalties on an entity or person that is in violation of its provisions. For example, a collection agency that fails to register properly with the office of Financial Regulation of the Financial Services Commission could face criminal charges.\n\nCivil Penalties The most common type of penalty imposed by the Act is civil liability. A person who violates the Act is liable for actual damages, court costs and attorney 's fees incurred by the plaintiff. The judge has discretion to award punitive damages. A plaintiff may recover statutory damages of up to {$1000.00} for every violation of the Act.\n\nAs per 15 USC 1692k 813. Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} per violation.\n\n( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. \nOn a finding by the court that an action under this section. \n\nThe consumer has stated above all the violations Fair Collections & Outsourcing , Inc. has violated. Fair Collections & Outsourcing , Inc. has violated 7 of this Act. Fair Collections & Outsourcing , Inc. has 1 day to remove this collection from all consumer reports and never reappear. Please provide a check for the violations to the consumer in the amount of {$1000.00} per violation as it states in this Act. The total amount is {$7000.00} which Fair Collections & Outsourcing , Inc. has the name on file. Fair Collections & Outsourcing , Inc., has 3 days to send the check. Consumer will take legal action against Fair Collections & Outsourcing , Inc. according to the civil liabilities, for violating 83.49 ( 3 ) ( a ), the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p, Fair Credit Reporting Act 15 USC 1682b , 12 CFR 1006.\n\nCopy has been sent to the following companies : CC : Florida State Attorney Office CC : Federal Trade Commission THIS LETTER SERVES AS FORMAL NOTICES OF YOUR VIOLATIONS.","date_sent_to_company":"2024-08-28T17:48:13.000Z","issue":"False statements or representation","sub_product":"Rental debt","zip_code":"33312","tags":null,"has_narrative":true,"complaint_id":"9947805","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FAIR COLLECTIONS & OUTSOURCING, INC.","date_received":"2024-08-28T16:53:35.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Upon your <em>security</em> <em>deposit</em>, due to. It is sent to you as required by s. 83.49 ( 3 ), Florida Statutes. You are hereby notified that you must object in writing to this deduction from your <em>security</em> <em>deposit</em> within 15 days from the time you receive this notice, or I will be authorized to deduct my claim from your <em>security</em> <em>deposit</em>. Your objection must be sent to ( landlords address )."]},"sort":[14.51153,"9947805"]},{"_index":"complaint-public-v1","_id":"17877502","_score":14.46574,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am filing a complaint against Western Union for an unauthorized and misdirected money transfer. I selected my sisters saved recipient profile in the Western Union app, but the system changed her bank account details without my knowledge or authorization. As a result, the funds were deposited into a completely different persons bank account, whom I do not know. \n\nThis is an unauthorized transfer and a violation of Regulation E. \n\nHere are the details : I have been sending money to my sister XXXX XXXX XXXX ) regularly using the same saved recipient profile. \nOn this occasion, I clicked on her saved profile. \nWithout any notification or confirmation, Western Unions system replaced her bank account number with another persons account. \nI only discovered this after the money ( {$710.00} ) was already deposited into the wrong individuals account. XXXX XXXX I never edited or changed the recipient information. \nWestern Union has refused to reimburse me despite the fact that they can not prove I authorized the change. Complaint # XXXX This is a Western Union system failure, not consumer error. \n\nUnder Regulation E, Western Union must provide documentation such as : Proof that I requested the recipient/account change System logs showing the change Name and account number of the actual recipient who received the funds Time and place of fund release Their identity verification method Proof that the ID or account information matched my original authorized recipient Western Union has failed to provide any such evidence.\n\nInstead, they are holding me responsible for a change I did not make and had no knowledge of.\n\nThis is an unauthorized transfer, a misdirected remittance, and a breach of the providers security obligations.\n\nI am requesting : A full reimbursement of the misdirected funds.\n\nA complete payout trace, including the bank details and name of the actual recipient.\n\nSystem logs proving whether the recipient details were changed and by whom.\n\nConfirmation of Western Unions identity verification process for this transaction.\n\nRegulatory intervention to ensure Western Union complies with consumer protection laws.\n\nI have already contacted Western Union, filed a complaint, and provided all supporting details, but they have denied liability without offering any documentation to support their position.\n\nI did not authorize this change.\n\nI did not approve the wrong recipient.\n\nThe transfer was misdirected due to Western Unions system error or internal fault.\n\nI am requesting CFPB assistance to hold Western Union accountable and recover my funds. \n\nThank you.","date_sent_to_company":"2025-12-09T14:50:08.000Z","issue":"Other transaction problem","sub_product":"International money transfer","zip_code":"980XX","tags":null,"has_narrative":true,"complaint_id":"17877502","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WESTERN UNION COMPANY, THE","date_received":"2025-11-20T17:34:03.000Z","state":"WA","company_public_response":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","sub_issue":null},"highlight":{"complaint_what_happened":["This is an unauthorized transfer, a misdirected remittance, and a breach of the providers <em>security</em> obligations.\n\nI am requesting : A full reimbursement of the misdirected funds.\n\nA complete payout trace, including the bank details and name of the <em>actual</em> recipient.\n\nSystem logs proving whether the recipient details were changed and by whom.\n\nConfirmation of Western Unions identity verification process for this transaction."]},"sort":[14.46574,"17877502"]},{"_index":"complaint-public-v1","_id":"15113490","_score":14.363998,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This account has already been disputed previously, and the furnisher has failed to provide verifiable, complete, and accurate information I am filing this complaint as a follow-up to a prior CFPB complaint that was closed without resolution, despite the fact that the furnisher ( XXXX, XXXX ) has failed to comply with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) .Violations and Issues : XXXX reported an alleged debt to Experian, Equifax XXXX and XXXX  on XX/XX/XXXX XXXX but did not officially charge off the account until XX/XX/XXXX from the original creditor XXXXXXXX XXXX per the balance ledger that I received from XXXX This is a direct violation of FCRA 623 ( a ) ( 5 ) for reporting an inaccurate charge-off date and past-due status. The lease agreement provided by XXXX lists a term of XX/XX/XXXX XX/XX/XXXX which is incorrect lease term that was provided while my actual lease term was XXXX a balance ledger containing duplicate charges conflicting credits and misapplied security deposits and erroneous reletting fee charge {$1700.00} they are attempting to collect on an account without a valid contractual basis. Despite multiple disputes, XXXX has failed to provide a lawful Method of Verification as required by FCRA 611 ( a ) ( 7 ). XXXX is furnishing false and incomplete information to consumer reporting agencies, knowingly providing inaccurate balances, incorrect lease dates, and falsified account statuses .As a result of XXXX willful violations and the original creditors failure to maintain accurate records, I have been denied housing applications and have suffered financial harm due to this false reporting. they do not have a valid contract that reflects my actual lease period that is a violation of FDCPA 809 ( b ) they are attempting to collect using false representation of the legal contract re-aging account or using wrong contract terms is illegal furnishing of false data to CRAs AND EACH BUREAU FAILED to ensure the information that was being furnished is accurately being reported","date_sent_to_company":"2025-08-07T02:19:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"75204","tags":null,"has_narrative":true,"complaint_id":"15113490","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-07T02:10:45.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["The lease agreement <em>provided</em> by XXXX lists a term of XX/XX/XXXX XX/XX/XXXX which is incorrect lease term that was <em>provided</em> while my <em>actual</em> lease term was XXXX a balance ledger containing duplicate charges conflicting credits and misapplied <em>security</em> <em>deposits</em> and erroneous reletting fee charge {$1700.00} they are attempting to collect on an account <em>without</em> a valid contractual basis."]},"sort":[14.363998,"15113490"]},{"_index":"complaint-public-v1","_id":"15114520","_score":14.355082,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This account has already been disputed previously, and the furnisher has failed to provide verifiable, complete, and accurate information I am filing this complaint as a follow-up to a prior CFPB complaint that was closed without resolution, despite the fact that the furnisher ( XXXX, XXXX ) has failed to comply with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) .Violations and Issues : XXXX reported an alleged debt to Experian, Equifax XXXX and XXXX  on XX/XX/XXXX XXXX but did not officially charge off the account until XX/XX/XXXX from the original creditor XXXXXXXX XXXX per the balance ledger that I received from XXXX This is a direct violation of FCRA 623 ( a ) ( 5 ) for reporting an inaccurate charge-off date and past-due status. The lease agreement provided by XXXX lists a term of XX/XX/XXXX XX/XX/XXXX which is incorrect lease term that was provided while my actual lease term was XXXX a balance ledger containing duplicate charges conflicting credits and misapplied security deposits and erroneous reletting fee charge {$1700.00} they are attempting to collect on an account without a valid contractual basis. Despite multiple disputes, XXXX has failed to provide a lawful Method of Verification as required by FCRA 611 ( a ) ( 7 ). XXXX is furnishing false and incomplete information to consumer reporting agencies, knowingly providing inaccurate balances, incorrect lease dates, and falsified account statuses .As a result of XXXX willful violations and the original creditors failure to maintain accurate records, I have been denied housing applications and have suffered financial harm due to this false reporting. they do not have a valid contract that reflects my actual lease period that is a violation of FDCPA 809 ( b ) they are attempting to collect using false representation of the legal contract re-aging account or using wrong contract terms is illegal furnishing of false data to CRAs AND EACH BUREAU FAILED to ensure the information that was being furnished is accurately being reported","date_sent_to_company":"2025-08-07T02:19:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"75204","tags":null,"has_narrative":true,"complaint_id":"15114520","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-07T02:19:22.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["The lease agreement <em>provided</em> by XXXX lists a term of XX/XX/XXXX XX/XX/XXXX which is incorrect lease term that was <em>provided</em> while my <em>actual</em> lease term was XXXX a balance ledger containing duplicate charges conflicting credits and misapplied <em>security</em> <em>deposits</em> and erroneous reletting fee charge {$1700.00} they are attempting to collect on an account <em>without</em> a valid contractual basis."]},"sort":[14.355082,"15114520"]},{"_index":"complaint-public-v1","_id":"20975815","_score":13.998023,"_source":{"product":"Debt collection","complaint_what_happened":"After vacating my apartment in XX/XX/XXXX due to active-duty Permanent Change of Station ( PCS ) orders, my lease was lawfully terminated in accordance with the Servicemembers Civil Relief Act ( 50 U.S.C. 3955 ). At the time of move-out, my account balance was paid in full ( {$0.00} ). A walkthrough was completed, and the unit was left clean with no damages beyond normal wear and tear. \n\nFollowing move-out, I was provided only a general ledger, which does not constitute sufficient documentation to support any charges. I was never provided an itemized bill, vendor invoices, receipts, maintenance reports, or any documentation identifying specific damages, work performed, or associated costs. \n\nIn XX/XX/XXXX, I submitted written requests to both the apartment complex and the debt collector requesting validation of this debt, including a full itemization of charges and proof of damages. No response was provided. I later contacted the debt collector directly and was informed that the debt had been verified through the apartment complex ; however, no documentation was provided. I was also told that these charges are standard and that tenants are responsible for turnover-related costs such as cleaning, painting, and carpet cleaning. \n\nThese assertions are not supported by the lease agreement. The relevant lease provisions clearly limit when charges may be assessed : Lease Cleaning Charges ( Section 49 ) : If you dont clean adequately, youll be liable for reasonable cleaning charges. \nThis provision does not authorize automatic cleaning fees and only permits charges if the unit was not left in an adequately clean condition. \n\nLease Security Deposit Deductions & Other Charges ( Section XXXX ) : Youll be liablefor repairs or damages caused by negligence, carelessness, accident, or abuse This provision allows charges only for actual damages beyond normal wear and tear and does not authorize routine turnover fees such as standard painting, carpet cleaning, or general cleaning. \n\nLease Move-Out Inspection ( Section XXXX ) : Any statements or estimatesare subject to correction, modification, or disapproval before final accounting. \nThis requires that any final charges be supported and properly documented. No such documentation has been provided. \n\nAdditionally, the lease references Florida Statute 83.49, which governs security deposit claims and requires landlords to provide proper written notice of any claim and supporting documentation. This statute also distinguishes between normal wear and tear and actual damage. These requirements were not followed. \n\nBecause this lease was terminated under the Servicemembers Civil Relief Act due to XXXX XXXX PCS orders, any charges associated with the termination must comply with federal law. Under SCRA, service members are protected from improper charges related to lawful lease termination. The inclusion of unsupported or automatic turnover fees in connection with a protected military termination raises serious legal concerns. \n\nDespite the lack of documentation and failure to validate the debt, this account continues to be reported on my credit file. Notably, this same account was recently disputed by a co-obligor, and the tradeline is no longer reporting on their credit reports, raising further concerns regarding the accuracy, consistency, and verifiability of this account. \n\nUnder the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers are required to report only accurate and verifiable information. Reporting a debt without providing documentation or responding to validation requests does not meet this standard. \n\nBecause this debt is unsupported, unverified, inconsistently reported, and includes charges not permitted under SCRA or the lease agreement, I am requesting an immediate investigation and deletion of this account from all credit reporting agencies.","date_sent_to_company":"2026-04-06T16:11:06.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"309XX","tags":"Servicemember","has_narrative":true,"complaint_id":"20975815","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2026-04-06T15:30:09.000Z","state":"GA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["No such documentation has been <em>provided</em>. \n\nAdditionally, the lease references Florida Statute 83.49, which governs <em>security</em> <em>deposit</em> claims and requires landlords to provide proper written notice of any claim and supporting documentation. 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