{"took":151,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":190,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11098834","_score":20.71312,"_source":{"product":"Credit card","complaint_what_happened":"I submitted my application with American Express with my Social Security number. I was denied my securities for reasons not stated in the Federal Reserve Act. My consumer credit transaction was denied not by the Board of Governors of the Federal Reserve System stated in Section 16 of the Federal Reserve Act. I sent two certified letters that expressed my rights as a consumer. I called American Express and spoke with an agent. The agent transferred me to a supervisor. I explained to the supervisor my rights as a consumer and she gave me an address to send a letter on behalf of the principal XXXX XXXX. I sent two letters that were received in XXXX and XXXX made a second call XX/XX/year> were a supervisor said they did not read or consider my certified letters.This is act of discrimination.","date_sent_to_company":"2024-12-10T20:37:53.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"92102","tags":null,"has_narrative":true,"complaint_id":"11098834","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-12-10T19:19:05.000Z","state":"CA","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["I submitted my application with American Express with my Social <em>Security</em> number. I was <em>denied</em> my <em>securities</em> for reasons not stated in the Federal Reserve Act. My consumer <em>credit</em> transaction was <em>denied</em> not by the Board of Governors of the Federal Reserve System stated in Section 16 of the Federal Reserve Act. I <em>sent</em> two certified <em>letters</em> that expressed my rights as a consumer. I called American Express and spoke with an agent. The agent transferred me to a supervisor."],"product":["<em>Credit</em> card"],"issue":["Getting a <em>credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or charge card"]},"sort":[20.71312,"11098834"]},{"_index":"complaint-public-v1","_id":"8226359","_score":19.77304,"_source":{"product":"Credit card","complaint_what_happened":"I have sent registered mail addressed to the Legal department and Investor Relations, which was received on XX/XX/year>. I also sent an email to IR and left a message as well to follow up on my letters that was sent. I \" am giving a notice to cure with this email. I will attatched the information that has been sent with my denial of credit letters. I know that on your prospectus report where it states the way our securities are being handled as well as other information explained in my attached letter. I gave you a security on XX/XX/year> and was denied. I know that my security is being sold without my knowledge and consent. I will be getting an bloomberg audit done on my applications, which turned into a security that this company developed a cusip for. I know on your SEC filings its states that you do not sell securities on the market it is against the law. I know my securities has been sold and that is securities fraud, which an audit will prove that. I \" am hoping that we can settle this amicably as instructed in my letters that has been sent. I will have no option, but to file a complaint with the SEC and upload my audit report and findings if there is no response by the end of day today. I have sent several emails and called several times no reply back. I sent a notice to cure as well. This is my 1st compliant on the matter and my letters that has been sent is uploaded on this report. I will also do a report with the SEC and arbitration if there is not reply back.The denial was unlawful and discrimination against new applicants, which violate the Equal Credit Opportunity Act. \n\nThank You","date_sent_to_company":"2024-01-26T01:15:09.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"78613","tags":null,"has_narrative":true,"complaint_id":"8226359","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-01-26T00:58:41.000Z","state":"TX","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["I have <em>sent</em> registered mail addressed to the Legal department and Investor Relations, which was received on XX/XX/<em>year</em>>. I also <em>sent</em> an email to IR and left a message as well to follow up on my <em>letters</em> that was <em>sent</em>. I \" am giving a notice to cure with this email. I will attatched the information that has been <em>sent</em> with my denial of <em>credit</em> <em>letters</em>."],"product":["<em>Credit</em> card"],"issue":["Getting a <em>credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or charge card"]},"sort":[19.77304,"8226359"]},{"_index":"complaint-public-v1","_id":"8512221","_score":18.210562,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I looked up my credit report on XX/XX/year> and sent letters to Equifax. my tracking numbers are XXXX, XXXX, XXXX. They said the information did not match what they had on file and requested additional documents. It is clear they did not read or attempt to process these disputes. They sent an automated letter to stall. I have attached the highest identification documents possible on the letter. The additional documentation they requested was already provided in the letters. items sent was passport, social security card and a bill for proof of address. This has been extremely damaging to me as it has been over 90 days. these inaccurate items has caused me to be denied credit. I have done everything in my power to try to fix the situation with nothing being done. This is my last effort before seeking litigation.","date_sent_to_company":"2024-03-09T18:38:54.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"28269","tags":null,"has_narrative":true,"complaint_id":"8512221","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-03-09T18:20:00.000Z","state":"NC","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["The additional documentation they requested was already provided in the <em>letters</em>. items <em>sent</em> was passport, social <em>security</em> card and a bill for proof of address. This has been extremely damaging to me as it has been over 90 days. these inaccurate items has caused me to be <em>denied</em> <em>credit</em>. I have done everything in my power to try to fix the situation with nothing being done. This is my last effort before seeking litigation."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[18.210562,"8512221"]},{"_index":"complaint-public-v1","_id":"7151059","_score":17.427544,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In XXXX XXXX I applied for a credit card and was denied due to Equifax having my information wrong in their system. In XX/XX/XXXX I applied for a loan ( {$20000.00} ) and was denied for the same reason. In XXXX of XXXX I was denied a loan ( {$10000.00} ) I then reached out to equifax via mail and phone over the course of a year and a half. Every time I called equifax I was told to send in more personal information, so I did. Every time I mailed in my information I received letters to send in even more personal information. I checked up with Equifax each time I sent them information and no action was taken. In XXXX I applied for a credit card once again and was denied. While speaking to my bank associate we found exactly what the issue was. There is someone elses name attached to my social security number. I notified Equifax of the issue and sent them proof and they have not contacted back and no action has been taken since in four months.","date_sent_to_company":"2023-06-22T21:10:40.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"23602","tags":null,"has_narrative":true,"complaint_id":"7151059","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-06-22T20:42:19.000Z","state":"VA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Every time I mailed in my information I received <em>letters</em> to send in even more personal information. I checked up with Equifax each time I <em>sent</em> them information and no action was taken. In XXXX I applied for a <em>credit</em> card once again and was <em>denied</em>. While speaking to my bank associate we found exactly what the issue was. There is someone elses name attached to my social <em>security</em> number."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"]},"sort":[17.427544,"7151059"]},{"_index":"complaint-public-v1","_id":"3666330","_score":17.110382,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. The company not only denies me of my rights as a consumer under this act, they also continue to employ stall tactics. They stated that they received a letter from an \" unauthorized third party credit repair company '' when in fact I sent the letters that I had notarized with an official seal. Additionally, I sent the letters with a copy of my my state drivers license as well as my social security card which were also provided to the notary as proof of my identity. \n\nI in turn sent a second letter demanding a timely investigation and resolution to this manner. Equifax has this denied me this right a second time by sending a response failing to provide results. The rationale was : \" Please be specific with your concerns by listing the account names, numbers, and the nature of the dispute ''. \n\nThis is precisely what I provided them with in the first place on XX/XX/2020. We are now closing XX/XX/2020 and I still have not received a timely investigation.","date_sent_to_company":"2020-05-23T06:28:07.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48204","tags":null,"has_narrative":true,"complaint_id":"3666330","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-05-23T06:20:10.000Z","state":"MI","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["They stated that they received a letter from an \" unauthorized third party <em>credit</em> repair company '' when in fact I <em>sent</em> the <em>letters</em> that I had notarized with an official seal. Additionally, I <em>sent</em> the <em>letters</em> with a copy of my my state drivers license as well as my social <em>security</em> card which were also provided to the notary as proof of my identity. \n\nI in turn <em>sent</em> a second letter demanding a timely investigation and resolution to this manner."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"]},"sort":[17.110382,"3666330"]},{"_index":"complaint-public-v1","_id":"4900762","_score":17.06676,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"My husband who is now deceased open a line of credit through Colony brands with my social security number. It took over a year and a XXXX  complaint for them to close the account and say I am not responsible. They will not give me any credit in my own name, nor will they even do anything to correct the issue with me. I have had no contact with them. They say they sent letters I got nothing. I think they owe me for allowing a credit line to be opened in my name with due diligence. All I ask is for a credit line opened in my own name. I tried to apply and get denied which is totally wrong","date_sent_to_company":"2021-11-11T19:35:05.000Z","issue":"Other features, terms, or problems","sub_product":"Store credit card","zip_code":"480XX","tags":null,"has_narrative":true,"complaint_id":"4900762","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Colony Brands, Inc.","date_received":"2021-11-11T19:23:36.000Z","state":"MI","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["My husband who is now deceased open a line of <em>credit</em> through Colony brands with my social <em>security</em> number. It took over a <em>year</em> and a XXXX  complaint for them to close the account and say I am not responsible. They will not give me any <em>credit</em> in my own name, nor will they even do anything to correct the issue with me. I have had no contact with them. They say they <em>sent</em> <em>letters</em> I got nothing. I think they owe me for allowing a <em>credit</em> line to be opened in my name with due diligence."],"product":["<em>Credit</em> card or prepaid card"],"sub_product":["Store <em>credit</em> card"]},"sort":[17.06676,"4900762"]},{"_index":"complaint-public-v1","_id":"12386085","_score":16.375307,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I sent a letter to Equifax dated XX/XX/year> requesting all information in my credit file, as well as a free copy of all reports. Equifax responded in a letter dated XX/XX/year> stating that \" We received your request for a copy of your Equifax credit report. However, we need additional information in order to verify your identity and address ''. \" To help us fulfill your request, please send us a letter with your full name, social security number, current address, and your date of birth ''. \" Please also include a copy of a document verifying your identity ( ex : driver 's license or birth certificate ), your social security number ( ex : social security card or W2 form and a copy of a document verifying your address ''. \" The documents you provided were illegible ''. \" Because the information you provided as proof of your identity does not match the information we currently have on your credit file, we ask that you send us a copy of two different items ''. My complaint is why did Equifax state in they response letter that \" I provided DOCUMENTS that were ILLEGIBLE ''? I never provided any documents to Equifax, I only mailed Equifax a letter, CERTIFIED MAIL SIGN RECEIPT. Secondly, why would Equifax state in they response letter that \" Because the information you provided as proof of your identity does not match the information we currently have on your credit file, we ask that you send either pay stub with complete Social Security number, valid Social Security Card, or W-2 form with complete U.S. Social Security number , ect? XXXX XXXX sent me letters dated XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> all denying me a CREDIT LINE INCREASE as well as a AUTO FINANCING LOAN based on information obtained in a report from Equifax. As a result, how can Equifax state in they response letter that my request letter sent to them doesn't match the information they currently have on file? I also have a XXXX XXXX XXXX WITH XXXX XXXX XXXX XXXX XXXX!","date_sent_to_company":"2025-03-10T02:14:59.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"11434","tags":null,"has_narrative":true,"complaint_id":"12386085","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-10T01:01:58.000Z","state":"NY","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["XXXX XXXX <em>sent</em> me <em>letters</em> dated XX/XX/<em>year</em>>, XX/XX/<em>year</em>>, XX/XX/<em>year</em>>, XX/XX/<em>year</em>> all <em>denying</em> me a <em>CREDIT</em> LINE INCREASE as well as a AUTO FINANCING LOAN based on information obtained in a report from Equifax. As a result, how can Equifax state in they response letter that my request letter <em>sent</em> to them doesn't match the information they currently have on file? I also have a XXXX XXXX XXXX WITH XXXX XXXX XXXX XXXX XXXX!"],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Unable to get your <em>credit</em> report or <em>credit</em> score"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Other problem getting your report or <em>credit</em> score"]},"sort":[16.375307,"12386085"]},{"_index":"complaint-public-v1","_id":"10971261","_score":16.353376,"_source":{"product":"Debt collection","complaint_what_happened":"I started receiving letters, emails, and calls from this creditor in regard to a debt that they claimed I owe. After facing financial hardships, I was unable to keep up with credit card bills. Soon after, my accounts were closed and I was denied access to see any information regarding the account. I had no way to validate the accuracy of the information that this institution claimed I owed. \n\nOn XX/XX/year> I sent Discover Financial Services, also known as \" Discover '', a debt validation letter requesting evidence of contracts, billing statements, plus any securities generated behind the scenes, tax benefits taken, charge offs ( which are income ), and discounts in selling the alleged debt. \n\nDiscover did not respond. On XX/XX/year>, I sent them a Notice of Fault and Opportunity to Cure to try to resolve the matter. \n\nDiscover did not respond. On XX/XX/year>, I sent a Notice of Default letter. I have not received any of the information that Ive requested. \n\nDue to the invalidation and unlawful collection of this debt, they have caused harm and injury to me, constituting violations of the Fair Debt Collection Practices Act ( FDCPA ) and warranting damages of at least {$1000.00}.","date_sent_to_company":"2024-11-29T15:04:30.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"77047","tags":null,"has_narrative":true,"complaint_id":"10971261","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2024-11-29T14:56:10.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I started receiving <em>letters</em>, emails, and calls from this creditor in regard to a debt that they claimed I owe. After facing financial hardships, I was unable to keep up with <em>credit</em> card bills. Soon after, my accounts were closed and I was <em>denied</em> access to see any information regarding the account. I had no way to validate the accuracy of the information that this institution claimed I owed."],"sub_product":["<em>Credit</em> card debt"]},"sort":[16.353376,"10971261"]},{"_index":"complaint-public-v1","_id":"10966179","_score":16.353376,"_source":{"product":"Debt collection","complaint_what_happened":"I started receiving letters, emails, and calls from this creditor in regard to a debt that they claimed I owe. After facing financial hardships, I was unable to keep up with credit card bills. Soon after, my accounts were closed and I was denied access to see any information regarding the account. I had no way to validate the accuracy of the information that this institution claimed I owed. \n\nOn XX/XX/year> I sent Capital One Financial Corporation, also known as \" Capital One '', a debt validation letter requesting evidence of contracts, billing statements, plus any securities generated behind the scenes, tax benefits taken, charge offs ( which are income ), and discounts in selling the alleged debt. \n\nCapital One did not respond. On XX/XX/year>, I sent them a Notice of Fault and Opportunity to Cure to try to resolve the matter. \n\nCapital One did not respond. On XX/XX/year>, I sent a Notice of Default letter. I have not received any of the information that Ive requested. \n\nDue to the invalidation and unlawful collection of this debt, they have caused harm and injury to me, constituting violations of the Fair Debt Collection Practices Act ( FDCPA ) and warranting damages of at least {$1000.00}.","date_sent_to_company":"2024-11-28T00:35:23.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"77047","tags":null,"has_narrative":true,"complaint_id":"10966179","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-11-28T00:21:59.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I started receiving <em>letters</em>, emails, and calls from this creditor in regard to a debt that they claimed I owe. After facing financial hardships, I was unable to keep up with <em>credit</em> card bills. Soon after, my accounts were closed and I was <em>denied</em> access to see any information regarding the account. I had no way to validate the accuracy of the information that this institution claimed I owed."],"sub_product":["<em>Credit</em> card debt"]},"sort":[16.353376,"10966179"]},{"_index":"complaint-public-v1","_id":"10971345","_score":16.344316,"_source":{"product":"Debt collection","complaint_what_happened":"I started receiving letters, emails, and calls from this creditor in regard to a debt that they claimed I owe. After facing financial hardships, I was unable to keep up with credit card bills. Soon after, my accounts were closed and I was denied access to see any information regarding the account. I had no way to validate the accuracy of the information that this institution claimed I owed. \n\nOn XX/XX/year> I sent American Express Company, also known as \" American Express '', a debt validation letter requesting evidence of contracts, billing statements, plus any securities generated behind the scenes, tax benefits taken, charge offs ( which are income ), and discounts in selling the alleged debt. \n\nAmerican Express did not respond. On XX/XX/year>, I sent them a Notice of Fault and Opportunity to Cure to try to resolve the matter. \n\nAmerican Express did not respond. On XX/XX/year>, I sent a Notice of Default letter. I have not received any of the information that Ive requested. \n\nDue to the invalidation and unlawful collection of this debt, they have caused harm and injury to me, constituting violations of the Fair Debt Collection Practices Act ( FDCPA ) and warranting damages of at least {$1000.00}.","date_sent_to_company":"2024-11-29T14:41:50.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"77047","tags":null,"has_narrative":true,"complaint_id":"10971345","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-11-29T14:25:18.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I started receiving <em>letters</em>, emails, and calls from this creditor in regard to a debt that they claimed I owe. After facing financial hardships, I was unable to keep up with <em>credit</em> card bills. Soon after, my accounts were closed and I was <em>denied</em> access to see any information regarding the account. I had no way to validate the accuracy of the information that this institution claimed I owed."],"sub_product":["<em>Credit</em> card debt"]},"sort":[16.344316,"10971345"]},{"_index":"complaint-public-v1","_id":"10970663","_score":16.330414,"_source":{"product":"Debt collection","complaint_what_happened":"I started receiving letters, emails, and calls from this creditor in regard to a debt that they claimed I owe. After facing financial hardships, I was unable to keep up with credit card bills. Soon after, my accounts were closed and I was denied access to see any information regarding the account. I had no way to validate the accuracy of the information that this institution claimed I owed. \n\nOn XX/XX/year> I sent Goldman Sachs Group Inc., also known as \" Goldman Sachs '', a debt validation letter requesting evidence of contracts, billing statements, plus any securities generated behind the scenes, tax benefits taken, charge offs ( which are income ), and discounts in selling the alleged debt. \n\nGoldman Sachs did not respond. On XX/XX/year>, I sent them a Notice of Fault and Opportunity to Cure to try to resolve the matter. \n\nGoldman Sachs did not respond. On XX/XX/year>, I sent a Notice of Default letter. I have not received any of the information that Ive requested. \n\nDue to the invalidation and unlawful collection of this debt, they have caused harm and injury to me, constituting violations of the Fair Debt Collection Practices Act ( FDCPA ) and warranting damages of at least {$1000.00}.","date_sent_to_company":"2024-11-29T15:20:12.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"77047","tags":null,"has_narrative":true,"complaint_id":"10970663","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2024-11-29T15:12:09.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I started receiving <em>letters</em>, emails, and calls from this creditor in regard to a debt that they claimed I owe. After facing financial hardships, I was unable to keep up with <em>credit</em> card bills. Soon after, my accounts were closed and I was <em>denied</em> access to see any information regarding the account. I had no way to validate the accuracy of the information that this institution claimed I owed."],"sub_product":["<em>Credit</em> card debt"]},"sort":[16.330414,"10970663"]},{"_index":"complaint-public-v1","_id":"10967654","_score":16.330414,"_source":{"product":"Debt collection","complaint_what_happened":"I started receiving letters, emails, and calls from this creditor in regard to a debt that they claimed I owe. After facing financial hardships, I was unable to keep up with credit card bills. Soon after, my accounts were closed and I was denied access to see any information regarding the account. I had no way to validate the accuracy of the information that this institution claimed I owed. \n\nOn XX/XX/year> I sent XXXX XXXX XXXX XXXXXXXX, doing business as \" Mercury '', a debt validation letter requesting evidence of contracts, billing statements, plus any securities generated behind the scenes, tax benefits taken, charge offs ( which are income ), and discounts in selling the alleged debt. \n\nMercury did not respond. On XX/XX/year>, I sent them a Notice of Fault and Opportunity to Cure to try to resolve the matter. \n\nMercury did not respond. On XX/XX/year>, I sent a Notice of Default letter. I have not received any of the information that Ive requested. \n\nDue to the invalidation and unlawful collection of this debt, they have caused harm and injury to me, constituting violations of the Fair Debt Collection Practices Act ( FDCPA ) and warranting damages of at least {$1000.00}.","date_sent_to_company":"2024-11-29T15:30:20.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"77047","tags":null,"has_narrative":true,"complaint_id":"10967654","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mercury Financial Intermediate LLC","date_received":"2024-11-29T15:22:48.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I started receiving <em>letters</em>, emails, and calls from this creditor in regard to a debt that they claimed I owe. After facing financial hardships, I was unable to keep up with <em>credit</em> card bills. Soon after, my accounts were closed and I was <em>denied</em> access to see any information regarding the account. I had no way to validate the accuracy of the information that this institution claimed I owed."],"sub_product":["<em>Credit</em> card debt"]},"sort":[16.330414,"10967654"]},{"_index":"complaint-public-v1","_id":"6133831","_score":16.101871,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"First Progress credit card company of XXXX XXXX, XXXX XXXX. Has denied my request for billing Statements for my secured credit card Acct. An any financial correspondence sent to my billing Address. That request was denied which leads up to my inability to dispute or to lodge legitimate disputes based on Written financial correspondence. My acct was Closed for over a year FIRST PROGRESS never notified me of Acct closure. Nor will they provide me with any letters that they sent notifying me of My ACCT CLOSURE. On or around the XXXX XX/XX/2022, I tried to close my acct which was already closed! So I could get my security deposit back.Customer service agent said it would be a few weeks before refund check would arrive.On XX/XX/2022 I received a FIRST PROGRESS CREDIT CARD in the mail. Called to find out why they sent me a card? They said I requested My Acct to be opened! But As I stated I asked them to CLOSE the acct. Now they refuse to provide me with any correspondence where I asked for them to open my Acct.. Furthermore they want provide no correspondence on any activity on my acct by me or FIRST PROGRESS.. They refuse to show me where I said open up my CLOSED ACCT. They Also deny not knowing what CUSTOMER SERVICE REP MADE CHANGES OR VIEWED MY ACCT ON or around THE XXXX XX/XX/2022. Someone opened up my Acct without my Approval. Now they wont EXPEDITE my refund after my acct has been closed for over a year without any correspondence from First Progress on said matter.","date_sent_to_company":"2022-10-26T21:12:09.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"19139","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"6133831","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Synovus Bank","date_received":"2022-10-26T20:34:18.000Z","state":"PA","company_public_response":null,"sub_issue":"Problem with customer service"},"highlight":{"complaint_what_happened":["First Progress <em>credit</em> card company of XXXX XXXX, XXXX XXXX. Has <em>denied</em> my request for billing Statements for my secured <em>credit</em> card Acct. An any financial correspondence <em>sent</em> to my billing Address. That request was <em>denied</em> which leads up to my inability to dispute or to lodge legitimate disputes based on Written financial correspondence. My acct was Closed for over a <em>year</em> FIRST PROGRESS never notified me of Acct closure."],"product":["<em>Credit</em> card or prepaid card"],"sub_product":["General-purpose <em>credit</em> card or charge card"]},"sort":[16.101871,"6133831"]},{"_index":"complaint-public-v1","_id":"18278273","_score":15.843293,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have requested several times for my account to be retitled to my trust, and I am being denied my free republic right. They have provided false information to the credit agencies for the last year, and it has harmed me in more ways than I can write at this moment. I have paid on this account via remittance coupon/security, and they have not returned it to me at all. Instead, they break the law by scamming me and ignoring my payments. I have sent several letters to the company and all three credit reporting agencies and they have not done their job. Nelnet/US dept of education only sends me the bill and the contract, which clearly states they are committing securities fraud in my name. When I signed a contract, it was not for them to turn the contract into digital money to trade on the secondary market. It was not so they could make millions and billions of dollars from me and my signature but still ask me for money on the account. THIS IS WRONG AND ILLEGAL!! They have to stop this. I do not consent to give them any security interest and I NEVER DID!! KNOWINGLY!! SO, to wrap it up, they have reported false/fraudulent information to the credit agencies, they have not processed my payment, they have not allowed me my right to retitle to my trust name, and they have committed securities fraud in my name.","date_sent_to_company":"2025-12-25T00:29:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21216","tags":null,"has_narrative":true,"complaint_id":"18278273","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-12-25T00:06:31.000Z","state":"MD","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I have <em>sent</em> several <em>letters</em> to the company and all three <em>credit</em> reporting agencies and they have not done their job. Nelnet/US dept of education only sends me the bill and the contract, which clearly states they are committing <em>securities</em> fraud in my name. When I signed a contract, it was not for them to turn the contract into digital money to trade on the secondary market."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[15.843293,"18278273"]},{"_index":"complaint-public-v1","_id":"2565811","_score":15.517965,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have contacted Transunion several times, and sent them copies of my marriage certificate, driver 's license, social security card and a utility bill in my name. I have sent multiple letters via mail and I have called several times since XXXX. The last time I called was XXXX/XXXX/XXXX and before then XXXX XXXX and XXXX XXXX of this year XXXX. I informed them I was looking to clean my credit file and update information in order to purchase a home, and I was told that my married and current legal name does not match my credit file. But when I cal, they will not let me speak to a US representative and say that I need to tell my creditors my issue. I then state that my issue is with Transunion and that I am not asking them to delete my maiden name but put it as an AKA to my married named so that my married and current legal name shows up first on my credit file. I have been denied credit because of this.","date_sent_to_company":"2017-07-05T17:04:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30088","tags":null,"has_narrative":true,"complaint_id":"2565811","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-07-05T16:52:35.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["I have contacted Transunion several times, and <em>sent</em> them copies of my marriage certificate, driver 's license, social <em>security</em> card and a utility bill in my name. I have <em>sent</em> multiple <em>letters</em> via mail and I have called several times since XXXX. The last time I called was XXXX/XXXX/XXXX and before then XXXX XXXX and XXXX XXXX of this <em>year</em> XXXX."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[15.517965,"2565811"]},{"_index":"complaint-public-v1","_id":"6476631","_score":15.200306,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"According to the FCRA all consumer reporting agencies have a GRAVE RESPONSIBILITY to report correct and 100 % accurate information on a consumer 's report. EXPERIAN FAIL TO DO THIS ON MY CONSUMER REPORT. In XXXX of last year I notice that thing were not reporting correctly. The have a name that I have never used, addresses I have never lived at and so much inaccurate information on accounts reporting. \nOn XXXX XXXX I sent EXPERIAN a letter informing them of my proper name and the proper address they should be reporting and directed them to delete anything else because it was in accurate. Along with this letter I sent a color copy of my State driver 's license, my Social security card and a copy of my XXXX electric bill. They totally ignored my letter. \nOn XXXX XXXX I sent them XXXX more letters detailing the same information but also disputing the inaccuracies on my report. I also again sent them a color copy of my State driver 's license, my Social security card and a copy of my XXXX electric bill to verify that it was me sending them the letters. I also directed them to respond to me via mail to my proper address. \nOn XXXX XXXX I sent them a letter notifying them that because they took longer than XXXX days to respond that them must delete all accounts that I disputed in the pervious letter and I listed all the accounts in this letter as well along with the same documents to verify my identity. this letter was completely ignored as well. \nOn XX/XX/2022 I also sent out my next round of dispute letters with all of the identity verifying documents. It is now XXXX XXXX and literally nothing has changed on my credit report! They haven't responded to my last letter which was almost XXXX days ago or my first letter which is almost XXXX days ago. \nExperian is not follow Fair Credit Reporting Act or their own XXXX XXXX compliance standards. As a federally protected consumer this is totally UNACCEPTABLE. \nIn the last XXXX months I have gotten denied for numerous of things because Experian has fail to obey the law!","date_sent_to_company":"2023-01-23T18:34:44.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19133","tags":null,"has_narrative":true,"complaint_id":"6476631","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-01-23T17:05:28.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Along with this letter I <em>sent</em> a color copy of my State driver 's license, my Social <em>security</em> card and a copy of my XXXX electric bill. They totally ignored my letter. \nOn XXXX XXXX I <em>sent</em> them XXXX more <em>letters</em> detailing the same information but also disputing the inaccuracies on my report. I also again <em>sent</em> them a color copy of my State driver 's license, my Social <em>security</em> card and a copy of my XXXX electric bill to verify that it was me sending them the <em>letters</em>."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"]},"sort":[15.200306,"6476631"]},{"_index":"complaint-public-v1","_id":"9012143","_score":15.126701,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year>, I identified several incorrect addresses listed on my reports from all three major credit bureaus : XXXX, XXXX, and TransUnion. These addresses are : I disputed these addresses with each credit bureau via certified mail on the same date ( XX/XX/year> ) and requested their removal in accordance with the Fair Credit Reporting Act ( FCRA ). While all three bureaus responded within 30 days, they all denied my request. \n\nThe presence of these inaccurate addresses on my credit report is a violation of my right to privacy under the FCRA and could negatively impact my ability to obtain credit and other financial products. Additionally, having my personal information, including future credit offers, sent to addresses where I don't reside is a significant security concern. \n\nIn my dispute letters, I included copies of documents verifying my current address, such as a valid government-issued ID and a recent bank statement. \n\nI request that the CFPB investigate this matter and ensure the credit bureaus comply with the FCRA by removing these inaccurate addresses from my credit report. I appreciate your time and attention to this issue.","date_sent_to_company":"2024-05-15T15:38:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76123","tags":null,"has_narrative":true,"complaint_id":"9012143","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-05-15T15:38:00.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["On XX/XX/<em>year</em>>, I identified several incorrect addresses listed on my reports from all three major <em>credit</em> bureaus : XXXX, XXXX, and TransUnion. These addresses are : I disputed these addresses with each <em>credit</em> bureau via certified mail on the same date ( XX/XX/<em>year</em>> ) and requested their removal in accordance with the Fair <em>Credit</em> Reporting Act ( FCRA ). While all three bureaus responded within 30 days, they all <em>denied</em> my request."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[15.126701,"9012143"]},{"_index":"complaint-public-v1","_id":"8769654","_score":13.936518,"_source":{"product":"Credit card","complaint_what_happened":"I endorsed MY dividend not to myself but rather to AMEX. I physically sent them my endorsed draft, uploaded to the AMEX dashboard and faxed it XX/XX/year>. I've attached MY endorsed dividend along with a letter from AMEX, denying my bond ; HOWEVER, MY BOND WAS NOT RETURNED TO ME. \n\nAMEX must defend this denial claim given LEGISLATIVE CONGRESSIONAL RECORD-HOUSE, page 78, XX/XX/XXXX, Title IV which outlines Sec. 401, the sixth paragraph of section 18 of the Federal Reserve Act : \" Upon the deposit with the Treasurer of the United States ( a ) of any direct obligations of the United States or ( b ) of any notes, drafts, BILLS OF EXCHANGE or bankers acceptances acquired under the provisions of this act ; when such circulating notes are issued against the security of obligations of the United States the amount of such circulating notes shall be equal to the face value of the direct obligations of the United States so deposited as security : and, when issued against the security notes, drafts, bills of exchange, and bankers ' acceptances acquired under the provisions of this act ; SHALL BE REDEEMABLE IN LAWFUL MONEY of the United States on presentation at the United States Treasury or at the bank of issue. '' I have record of your representatives, repeatedly promising my account was being credited withing XXXX hours, over the course of XXXX weeks of several phone calls and electronic chats. \n\nAdditionally, before AMEX started abusing my credit, my score was XXXX. AMEX recently sent me a letter ( attached ) admitting a \" RECENT REVIEW '' of my XXXX score which led to their decision to limit MY credit usage to no more than {$20000.00}. This is an INTENTIONAL VIOLATION that WAS NOT AUTHORIZED. You reference the FCRA in your letters ; however, you openly dismiss the legal requirements to ensure compliance. This is not the first violation AMEX has carelessly solicited, abusing MY credit history.","date_sent_to_company":"2024-04-14T23:02:20.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"531XX","tags":null,"has_narrative":true,"complaint_id":"8769654","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-04-14T22:01:59.000Z","state":"WI","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["I physically <em>sent</em> them my endorsed draft, uploaded to the AMEX dashboard and faxed it XX/XX/<em>year</em>>. I've attached MY endorsed dividend along with a letter from AMEX, <em>denying</em> my bond ; HOWEVER, MY BOND WAS NOT RETURNED TO ME."],"product":["<em>Credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or charge card"]},"sort":[13.936518,"8769654"]},{"_index":"complaint-public-v1","_id":"3353087","_score":13.649943,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I went into a XXXX XXXX to apply for a car loan and they applied to multiple companies for me on XX/XX/XXXX. Since then I have received multiple letters in the mail with offers, counter-offers, or denials of loans. The issue is this : one of the companies, Ally Bank, sent me two letters in the mail I received today, XX/XX/XXXX, denying my loan application and lists my credit scores from XXXX, and some odd credit reporting agency I've never heard of called XXXX XXXX. My credit score from XXXX listed by the letters is XXXX but the XXXX agency lists it at XXXX and both letters state they used XXXX as a deciding factor in the loan denial. \n\nAfter a visit to their website to find out why my score is so low through XXXX I found out that the only way XXXX will give me a copy of my credit report from them is to send off copies of personal information such as my social security card and drivers license through the mail. Their company phone number just led me through a chain of robots without any real help from an actual person. I am reluctant to send off any personal information to a company I have never heard of for credit history until today and all reviews I read of this company have labeled them as a scam. \n\nListed on the letters from Ally Bank under XXXX reasons for adversely affected scores are \" Limited history for consumer at address & phone ( Applicant ), Length of time accounts have been established too short ( Applicant ), Not enough bankcard debt experience ( Applicant ), Not enough debt experience ( Applicant ). '' I've had my phone number since XXXX, lived at the same address for 20 years, had my bank card since XXXX with zero delinquencies or overdrafts, and I've had my credit card for over a year with perfect payment history. \n\nTo have an unknown company with false information and who tries to use shady tactics to obtain personal information be the adverse factor in a bank 's decision to offer a loan to me has sent many red flags and is the reason I am filing a formal complaint against XXXX XXXX and Ally Bank for partnering with them and for potentially sharing my personal information with XXXX XXXX.","date_sent_to_company":"2019-08-25T06:17:38.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"959XX","tags":null,"has_narrative":true,"complaint_id":"3353087","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2019-08-25T02:17:36.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["Since then I have received multiple <em>letters</em> in the mail with offers, counter-offers, or denials of loans. The issue is this : one of the companies, Ally Bank, <em>sent</em> me two <em>letters</em> in the mail I received today, XX/XX/XXXX, <em>denying</em> my loan application and lists my <em>credit</em> scores from XXXX, and some odd <em>credit</em> reporting agency I've never heard of called XXXX XXXX."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Credit</em> inquiries on your report that you don't recognize"]},"sort":[13.649943,"3353087"]},{"_index":"complaint-public-v1","_id":"3353074","_score":13.649943,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I went into a XXXX XXXX to apply for a car loan and they applied to multiple companies for me on XX/XX/XXXX. Since then I have received multiple letters in the mail with offers, counter-offers, or denials of loans. The issue is this : one of the companies, XXXX XXXX, sent me two letters in the mail I received today, XX/XX/XXXX, denying my loan application and lists my credit scores from XXXX, and some odd credit reporting agency I've never heard of called Sagestream LLC. My credit score from XXXX   listed by the letters is XXXX but the Sagestream agency lists it at XXXX and both letters state they used Sagestream as a deciding factor in the loan denial. \n\nAfter a visit to their website to find out why my score is so low through Sagestream I found out that the only way Sagestream will give me a copy of my credit report from them is to send off copies of personal information such as my social security card and drivers license through the mail. Their company phone number just led me through a chain of robots without any real help from an actual person. I am reluctant to send off any personal information to a company I have never heard of for credit history until today and all reviews I read of this company have labeled them as a scam. \n\nListed on the letters from XXXX XXXX under Sagestreams reasons for adversely affected scores are \" Limited history for consumer at address & phone ( Applicant ), Length of time accounts have been established too short ( Applicant ), Not enough bankcard debt experience ( Applicant ), Not enough debt experience ( Applicant ). '' I've had my phone number since 2005, lived at the same address for 20 years, had my bank card since 2005 with zero delinquencies or overdrafts, and I've had my credit card for over a year with perfect payment history. \n\nTo have an unknown company with false information and who tries to use shady tactics to obtain personal information be the adverse factor in a bank 's decision to offer a loan to me has sent many red flags and is the reason I am filing a formal complaint against Sagestream LLC and XXXX XXXX for partnering with them and for potentially sharing my personal information with Sagestream LLC.","date_sent_to_company":"2019-08-25T06:17:29.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"959XX","tags":null,"has_narrative":true,"complaint_id":"3353074","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ID Analytics, Inc.","date_received":"2019-08-25T01:23:26.000Z","state":"CA","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["Since then I have received multiple <em>letters</em> in the mail with offers, counter-offers, or denials of loans. The issue is this : one of the companies, XXXX XXXX, <em>sent</em> me two <em>letters</em> in the mail I received today, XX/XX/XXXX, <em>denying</em> my loan application and lists my <em>credit</em> scores from XXXX, and some odd <em>credit</em> reporting agency I've never heard of called Sagestream LLC."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Credit</em> inquiries on your report that you don't recognize"]},"sort":[13.649943,"3353074"]},{"_index":"complaint-public-v1","_id":"3217272","_score":13.617181,"_source":{"product":"Debt collection","complaint_what_happened":"This debt originated out of a tenancy with a XXXX property management company. My husband and I vacated the property due to a habitability issue. We complained in writing ( XX/XX/XXXX, XX/XX/XXXX ), gave notice to vacate in writing ( XX/XX/XXXX ), left a forwarding address ( XX/XX/XXXX ), requested our security deposit back ( XX/XX/XXXX ), everything in writing and made copies of all of this for our records. They never gave us a breakdown of what we owed or notified us that they would send it to collections. \n\nIn XX/XX/XXXX we received demand letters from National Credit Systems ( NCS ) of a debt from our former landlord, with no breakdown or explanation of the debt, only an amount total, and language stating NCS reported the debt to all 3 credit bureaus. The letter also threatened garnishment, liens, and or seizure and auction of personal property. We responded in writing that we denied owing the debt ( XX/XX/XXXX ). We contacted our former landlords in writing at the same time, and again received no response. NCS eventually sent us a breakdown of the fees but would not talk to us about disputing the debt at all. We received demands from an attorney in Georgia, XXXX XXXX XXXX, and also responded to them denying the debt in writing. We then contacted XXXX to begin disputing the reporting of a debt. \n\nThis year ( XX/XX/XXXX ), my husband called NCS ( phone call on XX/XX/XXXX to the number XXXX extension XXXX ) to  dispute the debt and a XXXX XXXX told him that he was NCS 's lawyer and tried to pressure him into paying the entire amount. He asked questions such as, \" Did you even leave a forwarding address? '' and \" Did you ever ask for your security deposit back? '' When Mr. XXXX began reading through the documents we sent them he could see that we did request our security deposit back and did leave a forwarding address. I mention this because it was clear he had not read the documents we sent NCS. After answering his own questions, he announced \" this is going nowhere '' and hung up on my husband. I looked his name up on the Georgia State Bar website and got back no information. We do not trust that this person is a lawyer, especially when a different lawyer contacted us regarding the debt, and we are not comfortable talking to someone like that in negotiation or discussion of any alleged debt when he uses harassing tactics. We are not sure if we should proceed by calling NCS again or the attorney, nor are we sure that by talking to either of them we will get anywhere.","date_sent_to_company":"2019-04-19T15:49:17.000Z","issue":"False statements or representation","sub_product":"Other debt","zip_code":"89117","tags":null,"has_narrative":true,"complaint_id":"3217272","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2019-04-19T15:00:25.000Z","state":"NV","company_public_response":null,"sub_issue":"Impersonated attorney, law enforcement, or government official"},"highlight":{"complaint_what_happened":["In XX/XX/XXXX we received demand <em>letters</em> from National <em>Credit</em> Systems ( NCS ) of a debt from our former landlord, with no breakdown or explanation of the debt, only an amount total, and language stating NCS reported the debt to all 3 <em>credit</em> bureaus. The letter also threatened garnishment, liens, and or seizure and auction of personal property. We responded in writing that we <em>denied</em> owing the debt ( XX/XX/XXXX )."],"company":["National <em>Credit</em> Systems,Inc."]},"sort":[13.617181,"3217272"]},{"_index":"complaint-public-v1","_id":"16405012","_score":13.590168,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year>, I ordered all three of my credit reports with the annual report order process. I also needed to do a name change on Equifax and XXXX XXXX was already updated with my current information reported directly to them by my current credit issuers who only report to XXXX I also sent a separate letter to Equifax with my identity documents, ID, social security card and name change court document. \n\nOn XX/XX/year>XXXX I received a letter from Equifax stating they \" couldn't read my ID, '' and required me to resubmit the request with the letter they sent me. This was returned to them on XX/XX/year>. They also inverted my first and last name from my documents I sent them that they \" couldn't read. '' I have received my other two credit reports from XXXX XXXX XXXX already and my personal information is also correctly updated now with XXXX \n\nToday, XX/XX/year>, I called Equifax to see what the problem is now, since they still have not furnished my credit report to me that I ordered on XX/XX/year>. I got an agent on the phone named \" XXXX '' who collected even more personal information from me, which made me feel uncomfortable, but I complied to try to get through the conversation mistakenly thinking he was going to be of assistance. He stated he was going to text me a link and I needed to upload my ID AGAIN, and a SELFIE! What???!?!?!? No way. I can not even with this. I kept stating that I refused to do this and he was talking aggressively to me asserting that \" this is how our company works now. '' I swore at him and disconnected the call. \n\nI will not send a freaking selfie to a company like this that I don't choose to be a customer of. You are just out here collecting data about me, it's my right to view it and request corrections/disputes. Denying me access to my report is against the law. \n\nHow about give me my credit report, which is the law? I have sent you three letters in the mail and copies of all of my documents three times as well as court documents with the name change. You still can't figure it out, or the order a first and last name is supposed to go in directly from identity documents? I can not with this. The level of incompetency with you is amazing! \n\nSee attachments of informed delivery scan on XX/XX/year> from Equifax and screenshot of my call to Equifax on XX/XX/year>XXXX","date_sent_to_company":"2025-10-08T00:10:44.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"78717","tags":null,"has_narrative":true,"complaint_id":"16405012","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-07T23:09:26.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["On XX/XX/<em>year</em>>, I ordered all three of my <em>credit</em> reports with the annual report order process. I also needed to do a name change on Equifax and XXXX XXXX was already updated with my current information reported directly to them by my current <em>credit</em> issuers who only report to XXXX I also <em>sent</em> a separate letter to Equifax with my identity documents, ID, social <em>security</em> card and name change court document."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Unable to get your <em>credit</em> report or <em>credit</em> score"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Problem getting your free annual <em>credit</em> report"]},"sort":[13.590168,"16405012"]},{"_index":"complaint-public-v1","_id":"11056775","_score":13.343583,"_source":{"product":"Checking or savings account","complaint_what_happened":"Approximately on XX/XX/year> I received a letter from Wells Fargo advising that they needed to review my information, and I needed to provide this information on or before XX/XX/year>. If this information was not provided by date before mentioned my account could restricted or closed. \nI visited my branch on XX/XX/year> with the information requested and presented to Wells Fargo representative : XXXX XXXX and Branch Manager : XXXX XXXX. They bank personnel filled out a form, of which I received a copy and also made a copy of my XXXX Drivers license, the XXXX XXXX XXXX XXXX and my social security card. XX/XX/year> I was purchasing at the store and both my debit card and my credit card with Wells Fargo were denied at time of purchase. Immediately after the embarrassment I endured I decided to go to the branch at Wells Fargo again and ask why my cards were restricted. \nThe bank informed me that not only my cards were restricted but also my account funds. I requested to know since when my account was restricted because I was concerned that I had made payments of bills as my car, my car insurance my medical insurance and my cellular phone in the prior week. The representative informed me the account had been restricted on XX/XX/year>. The branch had no reason for this decision in the part of Wells Fargo. I also contacted their general number and the representative told me they had not had a chance to review document yet due to staff shortage and the many letters they had to send to their XXXX XXXX customers. Today the Bank sent me an email telling me it could take up to 10 business days to release my account from the day I made the complaint on XX/XX/year>. This is unacceptable and I feel I have been discriminated for the fact of being born in XXXX.","date_sent_to_company":"2024-12-06T23:04:27.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"33185","tags":"Older American","has_narrative":true,"complaint_id":"11056775","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-12-06T22:17:15.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["They bank personnel filled out a form, of which I received a copy and also made a copy of my XXXX Drivers license, the XXXX XXXX XXXX XXXX and my social <em>security</em> card. XX/XX/<em>year</em>> I was purchasing at the store and both my debit card and my <em>credit</em> card with Wells Fargo were <em>denied</em> at time of purchase. Immediately after the embarrassment I endured I decided to go to the branch at Wells Fargo again and ask why my cards were restricted."]},"sort":[13.343583,"11056775"]},{"_index":"complaint-public-v1","_id":"14493318","_score":13.095522,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year>, the co-signer of my account ( a senior citizen with hearing trouble ) was robbed and scammed out of his ATM card and PIN at a Chase Bank near XXXX University XXXX ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) .The thief then proceeded to steal money from my account, the co-signer 's, and two other individuals who had the same co-signer on their account. Altogether, the thief managed to access and rob nearly {$15000.00} from these unauthorized transactions. The amount stolen from my account was {$1000.00} via account transfer ( XXXX account statement attached prior to the closure of the account, as well as the temporary credit removed from the new account the bank opened without my explicit consent ) at XXXXXXXX XXXX \n\nThat evening around XXXX, when we were made aware of the situation, all four of us contacted Chase bank, reported unauthorized withdrawals, asked Chase to freeze my account ( which they would not do based on their policy ), cancel my ATM card ( which I barely use ), and filed claims for Chase 's review. We were assured that they would investigate and that we would be reimbursed. \n\nSince then, all of our claims have been denied, on the grounds that the fraudulent withdrawals were \" authorized or that we received benefit. '' I received an initial denial on XX/XX/XXXX, and when I contacted the bank, they told me that the claim had been filed incorrectly and reopened. I received a second denial on XX/XX/XXXX. Both letters are attached here. \n\nSince, Chase has told us both in-person and via telephone that they will not review their denial decisions, unless we provide additional information such as security camera footage, verifying that the person making the withdrawals and transfers from our accounts was not our co-signer. Chase refuses to provide us with the security camera footage and will not review it themselves. One of my fellow victims sent a long letter on XX/XX/year> clearly detailing the full experience. On XX/XX/XXXX, Chase responded again that his claim was denied. At this point, Chase is seemingly ignoring facts in this case. \n\nOur open courses of action at this point are to file complaints with the CPFB and the XXXX Police Department. An additional complaint similar to mine was filed on XX/XX/year> - complaint # XXXX. \n\nFinally, I am only filing now because on XX/XX/XXXX, I left the country for XXXX and XXXX ( I am a XXXX priest ) and returned to the XXXX on XX/XX/XXXX.","date_sent_to_company":"2025-07-08T01:11:22.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"681XX","tags":null,"has_narrative":true,"complaint_id":"14493318","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-07-08T00:39:31.000Z","state":"NE","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Since, Chase has told us both in-person and via telephone that they will not review their denial decisions, unless we provide additional information such as <em>security</em> camera footage, verifying that the person making the withdrawals and transfers from our accounts was not our co-signer. Chase refuses to provide us with the <em>security</em> camera footage and will not review it themselves. One of my fellow victims <em>sent</em> a long letter on XX/XX/<em>year</em>> clearly detailing the full experience."]},"sort":[13.095522,"14493318"]},{"_index":"complaint-public-v1","_id":"2582435","_score":13.069492,"_source":{"product":"Mortgage","complaint_what_happened":"On XX/XX/XXXX I submitted Documents for a Loan Modification, since there representatives said that is what was needed since no other loan I would qualify for. On XX/XX/XXXX received 2 letters stating Documents they needed regarding my Benefits Award letter from social security, along with 2 months bank statements ( already submitted on the XXXX XXXX ), any lease agreements I might have, and a Year to Date Earnings Benefit from Social Security. XX/XX/XXXX I submitted XX/XX/XXXXtax return along with form XXXX. XX/XX/XXXX They sent 2 letters requesting Any Lease Agreements I had on any other properties of which I did n't own any, they wanted bank statements AGAIN, they wanted form XXXX instead of the XXXX, they wanted Form XXXX, Income Documentation from Social Security and a Hardship Letter XX/XX/XXXX I submitted bank statements AGAIN, Social Security Documentation, and letter that they had told me to submit on a phone conversation I had with them regarding NO RENTAL Income along with Hardship explanation. XX/XX/XXXX They repeated wanting an updated Form XXXX, another Hardship letter, a second letter that same day requesting Form XXXX, Form XXXX, Income Documentation again from Social Security, and Hardship Document again. XX/XX/XXXX I re-submit Letter of Explanation for NO MORE Rental Income along with Hardship letter. XX/XX/XXXX They send thank you letter for submitting documentation and prompt response. XX/XX/XXXX Now they wanted why I had a XXXX XXXX XXXX, and Bank Statements for 60 days wanting to show social security deposit of {$2200.00}. I contacted them again by phone explaining that my XXXX was $ XXXX monthly deduction and a US Treasury deduction of {$320.00}. I also explained that I did n't have a XXXX XXXX mortgage anymore and that went away in XX/XX/XXXX. They said showing up on a credit report so I needed to submit a letter of explanation regarding that. XX/XX/XXXX I sent to them another new XXXX XXXX XXXX bank statement for XXXX which had my social security deposit on it, so now they had XXXX, XXXX, XXXX and the new XXXX statement. I also sent them a letter explaining an old XXXX XXXX mortgage that did n't exist anymore along with my social security deposits which equaled {$1800.00} ( {$2200.00} minus {$130.00} XXXX, and minus {$320.00} Treasury amount. XX/XX/XXXX a letter from Caliber thanking me for prompt response and there receipt of documents. So after a couple of weeks and no updates I contacted them and now because of that XXXX XXXX mortgage a letter of explanation is no good and I needed to contact credit bureau to get it removed. XXXX XXXX sent another XXXX bank statement for mid XXXX along with XXXX and XXXX XXXX statements with Social Security deposit circled. I contacted 3 credit bureaus and it was only XXXX that had the XXXX XXXX on my credit report and requested removal. They removed it by XXXX XXXX which I verified by phone with XXXX representative. XX/XX/XXXX Caliber sent another thank you letter for updating documents. XX/XX/XXXX I sent to Caliber a letter that it was being removed and I would follow up further with XXXX later in the week to make sure it did n't show up on my credit report again. XX/XX/XXXX Caliber sent another Thank you letter. XX/XX/XXXX Denial letter from Caliber on Loan Modification because of missing or incomplete of all documents. XX/XX/XXXX I submitted ALL proper documents again to Caliber Home Loans. Approximately XXXX XXXX I followed up with a phone call for a status update. Called again for a status update on XX/XX/XXXX only to find out that my documents submitted on XX/XX/XXXX, had the same XXXX XXXX mortgage showing up on the credit report. Representative said that it takes a full 30 days to get it removed properly. I could submit in mid XXXX and it should be removed. XX/XX/XXXX Submitted documents again. I feel they are playing the same game and will deny me again after the 60 day period. They are not processing the documents that are received in a timely fashion in good faith.","date_sent_to_company":"2017-07-22T23:12:56.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Other type of mortgage","zip_code":"859XX","tags":null,"has_narrative":true,"complaint_id":"2582435","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Caliber Home Loans, Inc.","date_received":"2017-07-22T21:48:28.000Z","state":"AZ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["On XX/XX/XXXX received 2 <em>letters</em> stating Documents they needed regarding my Benefits Award letter from social <em>security</em>, along with 2 months bank statements ( already submitted on the XXXX XXXX ), any lease agreements I might have, and a <em>Year</em> to Date Earnings Benefit from Social <em>Security</em>. XX/XX/XXXX I submitted XX/XX/XXXXtax return along with form XXXX."]},"sort":[13.069492,"2582435"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":190,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":190}]}},"product":{"doc_count":190,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":42,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":40},{"key":"Credit repair services","doc_count":1},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":32,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit 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