{"took":3374,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":15,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"8594535","_score":22.875595,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I filed a dispute to ExperianXXXX for a bankruptcy on my credit report. Experian replied that the bankruptcy was verified around XX/XX/XXXX. After researching how they would verify a bankruptcy, I found that they do this through another reporting agency called XXXX. \n\nI do not have a bankruptcy on XXXX. So I sent them a request on XX/XX/XXXX that requested information on how they verified it and who they verified it through. They provided me a notice to login online and review the response on XX/XX/XXXX. \n\nIt was the same kind of response that simply said they verified it with the creditor. I wasnt disputing if it was mine or not this time. I simply asked how it was verified and who verified it, which they must legally tell me, per the FCRA. \n\nNot only that, but there is NO creditor in this case. Bankruptcies are not credit or debt that you financed. So I didnt receive the info I asked for and they lied about a creditor verifying it. Again, the reporting agency they verify bankruptcies through didnt have this bankruptcy on file for me. \n\nWe proceeded to call Experian on XX/XX/XXXX to explain that they never gave us the info on how it was verified as well as the fact it wasn't there to verify on XXXX. At this point we requested that they remove it. The lady said she couldn't do that and that she'd submit a more detailed dispute of how it wasn't verifiable and to give them 30 days. \n\nI got another electronic notice on XX/XX/XXXX to login because my dispute was completed. Again, they gave me the same simple response that the creditor verified it was accurate. \n\nIn addition to this, they removed a positive jcpenny account that I manage, which was helping my credit score. There was no reason to remove this and it dropped my score by over XXXX points.","date_sent_to_company":"2024-03-21T16:06:36.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"35244","tags":null,"has_narrative":true,"complaint_id":"8594535","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-03-21T15:37:46.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["Again, the reporting agency they <em>verify</em> <em>bankruptcies</em> through didnt have this <em>bankruptcy</em> on file for me. \n\nWe proceeded to call Experian on XX/XX/XXXX to explain that they never gave us the info on how it was <em>verified</em> as well as the fact it wasn't there to <em>verify</em> on XXXX. At this point we requested that they remove it. The lady <em>said</em> she <em>couldn</em>'t do that and that she'd submit a more detailed dispute of how it wasn't verifiable and to give them 30 days."]},"sort":[22.875595,"8594535"]},{"_index":"complaint-public-v1","_id":"7072016","_score":19.989773,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX  on XX/XX/XXXX I spoke with XXXX XXXX at XXXX whom claimed he was a US representative for XXXX. He told me that although I sent in my police report and a notarized copy of my FTC report that they will not remove or dispute a \" Bankruptcy '' as fraud. I let him know that I am a severe victim of identity theft and that the address and phone number associated with that bankruptcy is not mine and if I can't dispute it for what it is ( fraud ) then I want to dispute it as inaccurate. He said I can't dispute it as inaccurate because it is accurate, I asked him how was it accurate if I never lived at that address or had the phone number? He said XXXX got the last four digits of my social from XXXX and thats how they connected it to me. I asked how can I be verified if my whole social wasn't used and he got loud and aggressive with me and said he won't be disputing it as inaccurate. I told him XXXX XXXX even contacted them to update the report as they removed the \" bankruptcy '' because they couldn't verify that it was mine, he said anything filed before XXXX is reported by XXXX but on the XXXX website it says anything filed after XX/XX/XXXX is reported to XXXX and the \" bankruptcy '' is reported filed on XX/XX/XXXX on my report. I then told him that according to the FCRA they have to verify with the original source not third party agencies and the courthouse does not do verifications to the credit bureau and neither does XXXX ( which is a third party as well as XXXX ) he just kept saying there was nothing I can do. My rights have been violated all the way with XXXX, downloading a document from XXXX  that only has the last four of a social and doesn't even have my actual address or phone number is not proper, ethical, or legal validation. If they did not physically receive documents from the source with my FULL SOCIAL SECURITY NUMBER AND CORRECT ADDRESS AND PHONE NUMBER, this is NOT A VERIFIED ITEM, MEANING IT MUST BE IMMEDIATELY REMOVED. Especially with a police report and notarized FTC report. They need to provide me with exact proof of how this \" bankruptcy '' was verified accurate SHOWING MY FULL SOCIAL SECURITY NUMBER, CORRECT ADDRESS, AND CORRECT PHONE NUBER FROM THE ORIGINAL SOURCE OF THE INFORMATION NOT A THIRD PARTY AGENCY. XXXX is a not for profit company that does not provide full social security numbers nor information to third parties. XXXX is not the XXXX XXXX California Bankruptcy Court so the information was not verified from the source. At this point the representatives are not doing their due diligence by not attaching my police report and notarized FTC report to my disputes, refusing to dispute as inaccurate, and are just going off of their personal opinions, biases, and thoughts. He flat out denied me my due process by not attaching my documents to the dispute and by insisting that a THIRD PARTY VALIDATION IS ENOUGH TO DENY MY DISPUTE WHEN ACCORDING TO THE FCRA THE VERIFICATION HAS TO COME FROM THE SOURCE AND NOT A THIRD PARTY. XXXX XXXX was very rude and even mocked me when I told him I may have to get a lawyer. He told me to contact the attorney general if I wanted to, just very rude and nasty while blatantly violating my rights! That \" bankruptcy '' should have been deleted based on the fact I provided my police report, notarized FTC report, XXXX XXXX  contacted them to have them remove it, they did not validate from the source but through a third party, the address and phone number associated with the \" bankruptcy \" I have never lived at or used, and the FCRA protects me from the credit bureaus utilizing these types of PREDATORY practices. This is an injustice and XXXX should not be allowed to get away with violating my rights.","date_sent_to_company":"2023-06-06T03:15:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90404","tags":null,"has_narrative":true,"complaint_id":"7072016","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Cascade CISS Holdings, LLC","date_received":"2023-06-06T03:14:58.000Z","state":"CA","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["I told him XXXX XXXX even contacted them to update the report as they removed the \" <em>bankruptcy</em> '' <em>because</em> they <em>couldn</em>'t <em>verify</em> that it was <em>mine</em>, he <em>said</em> anything filed before XXXX is reported by XXXX but on the XXXX website it says anything filed after XX/XX/XXXX is reported to XXXX and the \" <em>bankruptcy</em> '' is reported filed on XX/XX/XXXX on my report."]},"sort":[19.989773,"7072016"]},{"_index":"complaint-public-v1","_id":"7071843","_score":19.989773,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Today on XX/XX/XXXXXXXX  I spoke with XXXX XXXX at Transunion whom claimed he was a XXXX representative for TransUnion. He told me that although I sent in my police report and a notarized copy of my FTC report that they will not remove or dispute a \" Bankruptcy '' as fraud. I let him know that I am a severe victim of identity theft and that the address and phone number associated with that bankruptcy is not mine and if I can't dispute it for what it is ( fraud ) then I want to dispute it as inaccurate. He said I can't dispute it as inaccurate because it is accurate, I asked him how was it accurate if I never lived at that address or had the phone number? He said XXXX got the last four digits of my social from Pacer and thats how they connected it to me. I asked how can I be verified if my whole social wasn't used and he got loud and aggressive with me and said he won't be disputing it as inaccurate. I told him XXXX XXXX even contacted them to update the report as they removed the \" bankruptcy '' because they couldn't verify that it was mine, he said anything filed before XXXX is reported by XXXX but on the Transunion website it says anything filed after XX/XX/XXXXXXXX  is reported to XXXX and the \" bankruptcy '' is reported filed on XX/XX/XXXXXXXX  on my report. I then told him that according to the FCRA they have to verify with the original source not third party agencies and the courthouse does not do verifications to the credit bureau and neither does XXXX ( which is a third party as well as XXXX ) he just kept saying there was nothing I can do. My rights have been violated all the way with Transunion, downloading a document from PACER that only has the last four of a social and doesn't even have my actual address or phone number is not proper, ethical, or legal validation. If they did not physically receive documents from the source with my FULL SOCIAL SECURITY NUMBER AND CORRECT ADDRESS AND PHONE NUMBER, this is NOT A VERIFIED ITEM, MEANING IT MUST BE IMMEDIATELY REMOVED. Especially with a police report and notarized FTC report. They need to provide me with exact proof of how this \" bankruptcy '' was verified accurate SHOWING MY FULL SOCIAL SECURITY NUMBER, CORRECT ADDRESS, AND CORRECT PHONE NUBER FROM THE ORIGINAL SOURCE OF THE INFORMATION NOT A THIRD PARTY AGENCY. PACER is a not for profit company that does not provide full social security numbers nor information to third parties. XXXX is not the XXXX XXXX California Bankruptcy Court so the information was not verified from the source. At this point the representatives are not doing their due diligence by not attaching my police report and notarized FTC report to my disputes, refusing to dispute as inaccurate, and are just going off of their personal opinions, biases, and thoughts. He flat out denied me my due process by not attaching my documents to the dispute and by insisting that a THIRD PARTY VALIDATION IS ENOUGH TO DENY MY DISPUTE WHEN ACCORDING TO THE FCRA THE VERIFICATION HAS TO COME FROM THE SOURCE AND NOT A THIRD PARTY. XXXX XXXX was very rude and even mocked me when I told him I may have to get a lawyer. He told me to contact the attorney general if I wanted to, just very rude and nasty while blatantly violating my rights! That \" bankruptcy '' should have been deleted based on the fact I provided my police report, notarized FTC report, lexis nexus contacted them to have them remove it, they did not validate from the source but through a third party, the address and phone number associated with the \" bankruptcy \" I have never lived at or used, and the FCRA protects me from the credit bureaus utilizing these types of PREDATORY practices. This is an injustice and Transunion should not be allowed to get away with violating my rights.","date_sent_to_company":"2023-06-06T03:14:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90404","tags":null,"has_narrative":true,"complaint_id":"7071843","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-06-06T02:28:58.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["I told him XXXX XXXX even contacted them to update the report as they removed the \" <em>bankruptcy</em> '' <em>because</em> they <em>couldn</em>'t <em>verify</em> that it was <em>mine</em>, he <em>said</em> anything filed before XXXX is reported by XXXX but on the Transunion website it says anything filed after XX/XX/XXXXXXXX  is reported to XXXX and the \" <em>bankruptcy</em> '' is reported filed on XX/XX/XXXXXXXX  on my report."]},"sort":[19.989773,"7071843"]},{"_index":"complaint-public-v1","_id":"6462359","_score":16.57762,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"TRANSUNION - REPORTING AGENCY I have been trying to remove a bankruptcy from my credit file for over XXXX  years that is not mine. I decided to dispute this information again for the XXXX time. Upon completion of their investigation Transunion marked the account as - VERIFIED AS ACCURATE.. Once I received the investigation results I reached out to Transunion and XXXX this is not my account and by law I am requesting a description of the investigation as it does not state on the investigation results how it was investigated or by whom verified this.. I was told this information was verified by XXXX XXXX XXXX WI by an agent. \n- I hung up with Transunion and called XXXX to verify they had a filing associated to my name. I was told ( Bankruptcy courts DO NOT verify this information to ANY credit bureau ) and that they were misleading me. So I call back to Transunion to report this and find out why I was told this. The agent that answered the phone was the same agent I had spoke with earlier. She then admitted that they do not send direct request to the XXXX as they use a XXXX party company but she could not release the company they use so I asked for a Supervisor but she transferred me to another department - DO NOT KNOW WHY... But I then spoke with another XXXX at Transunion. I explained all that I have been reporting this for the last XXXX  years and every time I dispute it with you guys I get this generic response of its been verified. So I asked her if the XXXX do not verify this via your request then who verified this information that I have been reporting inaccurate for over XXXX  years and nothing has been done. She then stated we use a XXXX party company name- XXXX XXXX to verify these types of accounts. I explain to her that I am going to call them to see why they have this info in their system about me. - I hung up with the agent at that time. XXXX I called XXXX XXXX directly and without telling them what I wanted I requested a consumer report of all the information they have in their system for me. I was asked to verify my identity which I did and the agent couldn't find me in their system. She went then into more verification questions - DL number - SS # - old and new addresses - phone numbers and etc. She then checked their sister company XXXX XXXX and couldn't find any information either. So I asked a question \" If the credit bureau sent a request to verify information for me how is that done. She quoted '' There isn't anything to verify on you I can not pull up anything using your information so we would have responded to the electrical notice as no related information for the request. I then told her the agent told me to have your company submit a electronic note stating there is no file for this person but I was told XXXX XXXX do not conduct business to business that way and they are giving me the run arounds. I said thanks and hung up and called Transunion back .... Then I called them back and spoke with a different agent this time she could not tell me anything. She said she do not know the end results of investigations. I told her I was told XXXX different stories and you guys have lied about the investigation results and I want this removed immediately from my file as it has caused so much grief with my business. I was told they would resend the dispute over again and As I stated if you said you verified this once via that company then what is going to change this time. She could not answer my question, So I stated this violates my rights under the FCRA laws and I was filing a complaint with CFPB and maybe they can get involved because this is not right.. They will not send me a description of the investigation in paper form as I requested within XXXX  days. I was also told if I wait XXXX more years it will just fall off my report and that is XXXX way to handle it..","date_sent_to_company":"2023-01-25T22:05:00.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85338","tags":null,"has_narrative":true,"complaint_id":"6462359","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-01-20T05:51:18.000Z","state":"AZ","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":["TRANSUNION - REPORTING AGENCY I have been trying to remove a <em>bankruptcy</em> from my credit file for over XXXX  years that is not <em>mine</em>. I decided to dispute this information again for the XXXX time. Upon completion of their investigation Transunion marked the account as - <em>VERIFIED</em> AS ACCURATE.."]},"sort":[16.57762,"6462359"]},{"_index":"complaint-public-v1","_id":"6423673","_score":16.064743,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"TRANSUNION - REPORTING AGENCY I have been trying to remove a bankruptcy from my credit file for over 5 years that is not mine. I decided to dispute this information again for the 10th time. Upon completion of their investigation Transunion marked the account as - VERIFIED AS ACCURATE.. Once I received the investigation results I reached out to Transunion and explain this is not my account and by law I am requesting a description of the investigation as it does not state on the investigation results how it was investigated or by whom verified this.. I was told this information was verified by XXXX XXXX XXXX WI for Docket # XXXX by an agent. \n\nXXXX I hung up with Transunion and called XXXX to verify they had a filing associated to my name. I was told ( Bankruptcy courts DO NOT verify this information to ANY credit bureau ) and that they were misleading me. So I call back to Transunion to report this and find out why I was told this. \n\nThe agent that answered the phone was the same agent I had spoke with earlier. She then admitted that they do not send direct request to the XXXX as they use a 3rd party company but she could not release the company they use so I asked for a Supervisor but she transferred me to another department - DO NOT KNOW WHY... But I then spoke with another Rep at Transunion. I explained all that I have been reporting this for the last 5 years and every time I dispute it with you guys I get this generic response of its been verified. So I asked her if the XXXX do not verify this via your request then who verified this information that I have been reporting inaccurate for over 5 years and nothing has been done. She then stated we use a 3rd party company name- XXXX XXXX to verify these types of accounts. I explain to her that I am going to call them to see why they have this info in their system about me. - I hung up with the agent at that time. \n\n2- I called XXXX XXXX  directly and without telling them what I wanted I requested a consumer report of all the information they have in their system for me. I was asked to verify my identity which I did and the agent couldn't find me in their system. She went then into more verification questions - DL number - SS # - old and new addresses - phone numbers and etc. She then checked their sister company XXXX XXXX and couldn't find any information either. So I asked a question \" If the credit bureau sent a request to verify information for me how is that done. She quoted '' There isn't anything to verify on you XXXX XXXX I can not pull up anything using your information so we would have responded to the electrical notice as no related information for the request. I then told her the agent told me to have your company submit a electronic note stating there is no file for this person but I was told XXXX XXXX do not conduct business to business that way and they are giving me the run arounds. I said thanks and hung up and called Transunion back .... \n\nThen I called them back and spoke with a different agent this time she could not tell me anything. She said she do not know the end results of investigations. I told her I was told 2 different stories and you guys have lied about the investigation results and I want this removed immediately from my file as it has caused so much grief with my business. I was told they would resend the dispute over again and As I stated if you said you verified this once via that company then what is going to change this time. She could not answer my question, So I stated this violates my rights under the FCRA laws and I was filing a complaint with CFPB and maybe they can get involved because this is not right.. They will not send me a description of the investigation in paper form as I requested within 15 days. I was also told if I wait 2 more years it will just fall off my report and that is one way to handle it...","date_sent_to_company":"2023-01-13T19:20:25.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85338","tags":null,"has_narrative":true,"complaint_id":"6423673","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-01-10T19:55:39.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["TRANSUNION - REPORTING AGENCY I have been trying to remove a <em>bankruptcy</em> from my credit file for over 5 years that is not <em>mine</em>. I decided to dispute this information again for the 10th time. Upon completion of their investigation Transunion marked the account as - <em>VERIFIED</em> AS ACCURATE.."]},"sort":[16.064743,"6423673"]},{"_index":"complaint-public-v1","_id":"9040107","_score":15.507916,"_source":{"product":"Debt collection","complaint_what_happened":"I have numerous things on my credit file that isn't mine including an XXXX XXXX report I've never been in the XXXX so how is this possible for not being immediately removed. Also this collection agency reopened a case that was closed after I disputed it too many times to count for over several years, and then keeps reselling it to different collection agency. I have sent proof in XXXX or XXXX of different police reports of identity theft and not sure why it's still not there. I have also been cleared of collections after direct contact with a consumer with proof of identity theft and one of the collectors is the same collection agency contacting me again after I received a letter they would not contact me again. And now that they have my actual address and phone number, I'm being harassed I also know of a law that once was present that if a company keeps selling off a debt not paid that their insurance pays for it. How many years and times are they allowed to collect from their insurance? Wouldn't it be fraud to keep collecting from their insurance as many times I have disputed this? I also know of a distant cousin I've never met in person but know of with the same name as me, as many others in our family line named after a great great Aunt but born a year early than I was in XXXX, that I have had an issue with pharmacies trying to give me her medication and I would half to argue isn't mine. And they would ask if I was born in XXXX, and half to state no I was born in XXXX! That lives in XXXX XXXX, mo. I also know my great aunt I'm named after lives in XXXX XXXX, Ark or near XXXX XXXX, she was born in the XXXX, and if I'm correct in XXXX, but I would half to check her profile to see. \nI have also noticed even recently my phone acts like it has something wrong with it and my email has been getting notifications that I've applied for some credit places I've never heard of before or seen before and I'm seeing them on my credit report. And that I've been paid a check once from an employer? It doesn't give details, but from where?? I haven't been paid in awhile. And the only XXXX card I have ever had was in the XXXX in the last name as XXXX, and it went through bankruptcy in XXXX. How can they reopen that if a judge signed it off in bankruptcy, if this is the card they are referring to?? I can't remember the lawyers name that I had, but they were across the street from XXXX XXXX XXXX in XXXX. Isn't that against the law also? To reopen a debt that was signed off by a bankruptcy judge??? I think a lot of these collection agencies need investigated and some of these credit card companies when there is proof of identity theft, and apparently after a year the person and group of people that stole my purse XXXX XXXX has decided to commit fraud again. And XXXX of those people even called in stating she owned the shoe department that I never got my money back from when they decided to buy shoes to return and because I went to the store and made them check their cameras if I was in their store when the theft was done using my card to purchase the shoes. In the man who sold them said he thought it was odd she had XXXX purses and dumped it in the floor to find a card she could use before the bank had the chance to close my card while I was on the phone with the bank when they used it and I was getting the text alerts everywhere they went to use my cards. As they went to XXXX to use my XXXX card for {$1.00} at gas station and realized they weren't able to use it. But managed a year later somehow to open a new card in another name I would not ever use, while I had my card, until I noticed it. Called XXXX XXXXXXXX and when they realized it was fraud they closed that card where they couldn't keep using it. Social security number on my credit file and phone numbers that weren't mine. I'm also getting a XXXX XXXX collection now from this same collection agency that I'm unaware of! I am a prepaid customer until I signed on with XXXX and now that XXXX XXXX XXXX im with XXXX. I tried XXXX XXXX but paid the phone off and returned the router because they kept letting someone else use my identity to buy some kind of devices I have never received ever at an address I never lived at before, also in a whole different county in a different state all that this was taken place. I can't be in four or five different places at once. The XXXX said that this would take time to resolve, but this has gotten ridiculous. And I have seen my score of XXXX plunge to XXXX after asking the credit score place to speak on my behalf because I was tired of repeating myself and getting nowhere. I have asked to be repaid for the identity theft and how it has affected our life. Even with my children 's identity. And that's when it starts to get silent for a very short period. I'm asking for help to get paid for the identity theft and the mix ups of someone else as how it has effected us. I also have noticed when I went to get title to my XXXX that they said I had another XXXX?? Since when do I own two vehicles at same time? And I have noticed other issues.. And most of this revolves around this collection agency and two cellphone companies I have never had, except for a month with XXXX XXXX and then paid it off and we t back to prepaid, and the main reason of trying them, is to see where these devices I never received was opened up at. In which they said they couldn't tell me anything but that it was bought in or near XXXX XXXX, mo and that I would half to talk to them in person since I couldn't verify the security check with that account. I am asking compensation for my trouble and how it's impacted my score and how much it's costing me in security deposits, insurance. And how I'm being harassed now??","date_sent_to_company":"2024-05-18T14:46:12.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"9040107","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2024-05-18T13:22:09.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["In which they <em>said</em> they <em>couldn</em>'t tell me anything but that it was bought in or near XXXX XXXX, mo and that I would half to talk to them in person since I <em>couldn</em>'t <em>verify</em> the security check with that account. I am asking compensation for my trouble and how it's impacted my score and how much it's costing me in security deposits, insurance. And how I'm being harassed now??"]},"sort":[15.507916,"9040107"]},{"_index":"complaint-public-v1","_id":"3709075","_score":14.079143,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I just spent 3 hours trying to get into the Experian dispute site. I uploaded my drivers license and documents, over and over and over. It either timed out or said had to be in B & W. Then had to be in a .tiff. When I made it a .tiff and B & W, it would time me out or still say it couldn't verify who I am. \n\nExperian is using up to 16 year old loans, installments, and other items that were long ago CLOSED and adding them to my Credit Report. \n\nI thought I fixed this 2 years ago with them. Apparently, it's all still wrong. They are the only lying CR group out there, all items are correct on the other 2 reports. \n\nThey are reporting items they are NOT ALLOWED TO STILL BE REPORTING. They have some made-up overview where I have \" too many derogatory accounts ''. \n\nHere 's what they are still lying about : Few accounts paid on time. Every account I have had in the last NINE years has been paid on time. There is not 1 single example of a late payment that has happened in over 9 years. I declared Bankruptcy 9 years ago, they are STILL listing that to draw down my FICO. \n\nOverview says I have 27 accounts! I have 2 accounts. Since 9 years ago, Bankruptcy, I have had 2 accounts. Their lying overview says 27. \n20 installment loans 7 revolving credit No, I have 2 revolving credit, 0 installment. This XXXX  is why I declared Bankruptcy, but you have these SCAMMERS reporting out and out lies. \n\nI corrected all of this, starting in XXXX XXXX thru XX/XX/XXXX. They sent me a report where all of this was fixed ( after VERIFYING a {$900.00} cable bill was mine, they verified this, out of Texas! ). \n\nBecause I couldn't get in, had to go get a free credit report from XXXX. Both of other agencies my score is XXXX and XXXX, these XXXX  have it at XXXX! \n\nThey are reporting a 9 year old Bankruptcy. They are reporting old revolving cards as \" active '', all were closed over a decade ago! If I still had those for a Bankruptcy in XXXX, I'd have included them. These were not even on my CR when I did my Bankruptcy, somehow to lie, they dug them up from the way long ago past. \n\nAll on my CR right now in XXXX by Experian scammers : Account XXXX  XXXX XXXX XXXX Account Number XXXX Account Type Revolving Account Account Condition Closed Date Opened XXXX XX/XX/XXXX ( they don't have a closed date, so they simply put it back on my CR! ) Date Opened XXXX XX/XX/XXXX High Balance XXXX XXXX Monthly Payment {$0.00} Account Balance {$0.00} Last Reported XXXX XX/XX/XXXX ( same with this, closed over a decade ago, yet here it is ) Account XXXX XXXX XXXX XXXX XXXX Account Number XXXX Account Type Revolving Account Account Condition Closed Date Opened XXXX XX/XX/XXXX High Balance XXXX XXXX  Monthly Payment {$0.00} Account Balance {$0.00} Last Reported XXXX XX/XX/XXXX Amount Past ( closed over a decade ago ) Account XXXX Account Number XXXX Account Type Revolving Account Account Condition ( closed over a decade ago ) The rest appear to be Education loans, all of which are CLOSED but they're reporting them as \" Revolving Credit '', many over 10 years old, some from XXXX. \nA few of the SAME loans are on there twice : Account 1 Account DEPT OF XXXX Account Number XXXX Account Type Installment Account Account Condition Closed Date Opened XXXX XX/XX/XXXX High Balance $ 0 Monthly Payment {$0.00} Account Balance {$0.00} Last Reported XXXX XX/XX/XXXX Amount Past Account XXXX XXXX XXXX Account Number XXXX Account Type Installment Account Account Condition Open Date Opened XXXX XX/XX/XXXX High Balance {$0.00} Account XXXX  XXXX XXXX Account Number XXXX Account Type Installment Account Account Condition Open Date Opened XXXX XX/XX/XXXX High Balance Account XXXX XXXX XXXX Account Number XXXX Account Type Installment Account Account Condition Open Date Opened XXXX XX/XX/XXXX Account XXXX  XXXX XXXX Account Number XXXX Account Type Installment Account Account Condition Open Date Opened XXXX XX/XX/XXXX High Balance $ 0 Monthly Payment {$0.00} Account Balance {$0.00} NONE OF THESE ARE OPEN. \n\nThey are all listed as {$0.00} balance, some for over a decade, and they are STILL actively reporting these as if I have 20 lines of revolving credit. \n\nI have 1 credit card. I have 1 medical credit card with 0 balance. NONE Of these should still show up actively. And because of their wrong reporting, it's lowered my XXXX 50 points below both of the other credit reporting agencies!!!","date_sent_to_company":"2020-06-21T05:15:09.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48021","tags":null,"has_narrative":true,"complaint_id":"3709075","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-06-21T04:51:22.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["They sent me a report where all of this was fixed ( after <em>VERIFYING</em> a {$900.00} cable bill was <em>mine</em>, they <em>verified</em> this, out of Texas! ). \n\n<em>Because</em> I <em>couldn</em>'t get in, had to go get a free credit report from XXXX. Both of other agencies my score is XXXX and XXXX, these XXXX  have it at XXXX! \n\nThey are reporting a 9 year old <em>Bankruptcy</em>. They are reporting old revolving cards as \" active '', all were closed over a decade ago! If I still had those for a <em>Bankruptcy</em> in XXXX, I'd have included them."]},"sort":[14.079143,"3709075"]},{"_index":"complaint-public-v1","_id":"5287226","_score":13.947386,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX, our credit files ( husband and self ) were dumped with years of old files from before our bankruptcy, dropping our credit scores by XXXX points, from great-excellent to poor. This is the only thing that happened in XX/XX/2022 : I applied for a XXXX card. They said they couldn't verify me. I sent docs at their request, and I admit, I included a note with the tone of \" sigh, is this really necessary, when you have my credit report, and you were talking to me several times on my home phone -- just because you couldn't send me a text, and you said that's the only way you can \" verify '' people? So yes, I expressed my displeasure, and this is important. This was XXXX. \n\nWell, they held it in pending for the second time. Both times, I was not approved because I didn't have a cell phone, and they claimed they couldn't verify me. The second time, after being passed around to different reps, the rep said, \" It wouldnt make any difference ; we don't have a cell phone number for you on these records anyway '' so she was obvsiouly looking through my credit report at the time. \n\nSeveral calls later, a rep told me to send ID and proof of residency to them. I sent ID and a mortgage statement from recent VA XXXX XXXX XXXX XXXX statement. They hung me up as pending for several days again and then turned me down again. When I finally got a kknowledgeable rep this time, he said the docs were invalid. I said they were not. He said they were and that the ID was too small. I said I sent a mortgage statement and property tax and that the ID was regular size and could easily be blown up in size, when he repeated the docs were invalid. I asked for a supervisor. \n\nThis was around XXXX ; the date is important. I was placed on hold and then passed to a \" supervisor '' -- they were still talking -- the new person and the old and laughing together as she picked up the phone, kind of giggling, saying she was a supervisor, and I explained the problem.\n\nShe repeated that the ID was too small and docs invalid. I repeated my informatoin, and she then asked what I had sent. So all this time tellling me what I sent was \" invalid, '' she hadn't known. I explained, and she said \" That's not a mortgage statement. '' Now this was getting very tiresome. I had to repeat that it was, that it was from a VA loan, recent refi. By this time, I was feeling discriminated against I am XXXX. I do not use a cell phone. Asking me to send documents and then not accepting them and turning me down because I don't own a cell phone sounds like discrimination, but what makes it worse is that they would not accept a VA XXXX XXXX. I said I would send them again, but asked if she could understand my fruistration and that my docs were not invalid, perhaps just not what they accepted ( though I have no idea why not. I said I would send them again, still it would be nice if she could at least understand why this was frustrating for me. '' Her voice cold, as it had been all through the call, she rushed through these words \" If-that-is-all-you-have-thank-you-for-calling-wells-fargo-and-good-night '' and hung up the phone! \n\nHere 's why this is important. That's the only deal either of us had with a credit agency that month, since our sterling credit record the first of XXXX. And they were snotty to me, asking me to send and not accepting what I sent -- AND they had my credit history right in front of them, so they knew my credit score and how to annoy me if they wanted to, Please don't think me paranoid ; this is the world we live in now. the doument dump into our file occured just after this on XX/XX/2022. Suddenly our score, STARTING WITH MINE, WENT DOWN XXXX POINTS at one agency, then my huband 's went down, then it was at all three agencies. We went from Great-excellent scores, getting any cards we wanted to \" poor '' getting turned down for everythiing after that. \n\nAs proof, with our records identical, my husband was approved for a XXXX card from XXXX XXXX before this happened. After the dump, I was denied -- - not even approved with a lower limit -- and we were both denied for any cards after that. We know because our 0 % cards were expiring and we were seeking to replace them, so this happened at the exact worst time. And I think somebody with access to credit records, who felt annoyed by someone \" not even smart enough to have a cell phone '' as they probably saw it -- and somebody who thought it was a joke to pretend to be a supervisor on a problem call -- dumped this info in our files. \n\nHere 's what it consisted of. Records under my maiden name, which I haven't used in 25 years. Addresses and phone numbers from that long ago, from before everything was wiped out in our bankfuptcy, Various spellings of our names. It appears that in XX/XX/2022, we had excellent credit, but in ONE WEEK, We wen t out and opened a bunch of new accts, had late payments, opened and closed accts, ran up our balances, didn't pay off some accts at all, and dismissed others in bankruptcy. \n\nExample. When I read our credit report in XXXX it said \" Your earliest credit report is NOT recent -- - it was long enough ago that this is no problem! Good going! \n\nSame question the end of XXXX read : \" Your earliest account was opened too recently. You need to hold on to some of your accounts for awhile. XXXX your credit record will go up. '' I tried to complain at XXXX, the first agency reporting it wrong. The guy could barely speak XXXX, but got huffy with ME, asking for the NAME of the \" early credit company '' if I wanted to file a dispute about it. I'm trying to explain \" How could I know that? This is, in the first place, a baseless charge, and in the second, I don't know what account they were even referring to? So he said he couldn't help me. \n\nSo here we sit, with our credit that we worked for approx 12 years without one late payment -- RUINED. \" poor '' is what it says at every agency for both of us. There's no way we can file ordinary disputes. What's going on with our accounts is too complex ; it doesn't fall into the category of \" This one acct is reported incorrectly ; tell us, and we'll fix it if we decide it's wrong, '' and that's the only thing the XXXX XXXX XXXX was able to hhelp anyone with. \n\nI first filed this against transunion and XXXX  XXXX, who turned me down and who were holding my husband 's acct in their \" fraud dept '' because of all this craziness -- we just finally got it out of \" fraud '' so we could transfer a balance to it last night. We've been working on this for months now ... not meaning to claim/blame emotion, but seriously, my anxiety levels are so high that I've had to see a doctor and get medication, and I'm still ( as you may be able to tell from this ) furious and sad, feeling like crying and yelling at somebody, unable to concentrate on anything and frankly, unable to think of anything but how it looks like some kids at a banking institution decided it would be fun to mess with us, so they did,., Nope, no proof, but how else can we explain scores dropping XXXX points in a month -- ( the XXXX guy read off his script \" Please remember that credit scores are dyname and subject to change, '' and I just wanted to laugh. This is from excellent to poor, from the second quintile from the top to the second quintile from the bottom in one month. If people weren't all so algorithm-reliant and poorly-educated these days, they'd see immedialtey that this just doesn't happen. And to have our score reflect how we were doing 12 years ago, not how we were doing the first of XXXX? Just not fair! \n\nPlease help us! ( BTW, this has crashed twice ; first time I've gotten all the way through this. What a relief. ) Yes, I DO want this printed so others can see what people or just fate ( since I have no proof of people, just awfully suspicious dates and circumstances. ) can have in store for you","date_sent_to_company":"2022-03-23T13:09:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"652XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"5287226","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-03-04T22:17:45.000Z","state":"MO","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX, our credit files ( husband and self ) were dumped with years of old files from before our <em>bankruptcy</em>, dropping our credit scores by XXXX points, from great-excellent to poor. This is the only thing that happened in XX/XX/2022 : I applied for a XXXX card. They <em>said</em> they <em>couldn</em>'t <em>verify</em> me."]},"sort":[13.947386,"5287226"]},{"_index":"complaint-public-v1","_id":"5287225","_score":13.93375,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX, our credit files ( husband and self ) were dumped with years of old files from before our bankruptcy, dropping our credit scores by XXXX points, from great-excellent to poor. This is the only thing that happened in XX/XX/2022 : I applied for a XXXX card. They said they couldn't verify me. I sent docs at their request, and I admit, I included a note with the tone of \" sigh, is this really necessary, when you have my credit report, and you were talking to me several times on my home phone -- just because you couldn't send me a text, and you said that's the only way you can \" verify '' people? So yes, I expressed my displeasure, and this is important. This was XXXX. \n\nWell, they held it in pending for the second time. Both times, I was not approved because I didn't have a cell phone, and they claimed they couldn't verify me. The second time, after being passed around to different reps, the rep said, \" It wouldnt make any difference ; we don't have a cell phone number for you on these records anyway '' so she was obvsiouly looking through my credit report at the time. \n\nSeveral calls later, a rep told me to send ID and proof of residency to them. I sent ID and a mortgage statement from recent VA refi and property tax statement. They hung me up as pending for several days again and then turned me down again. When I finally got a kknowledgeable rep this time, he said the docs were invalid. I said they were not. He said they were and that the ID was too small. I said I sent a mortgage statement and property tax and that the ID was regular size and could easily be blown up in size, when he repeated the docs were invalid. I asked for a supervisor. \n\nThis was around XXXX ; the date is important. I was placed on hold and then passed to a \" supervisor '' -- they were still talking -- the new person and the old and laughing together as she picked up the phone, kind of giggling, saying she was a supervisor, and I explained the problem.\n\nShe repeated that the ID was too small and docs invalid. I repeated my informatoin, and she then asked what I had sent. So all this time tellling me what I sent was \" invalid, '' she hadn't known. I explained, and she said \" That's not a mortgage statement. '' Now this was getting very tiresome. I had to repeat that it was, that it was from a VA loan, recent refi. By this time, I was feeling discriminated against I am XXXX. I do not use a cell phone. Asking me to send documents and then not accepting them and turning me down because I don't own a cell phone sounds like discrimination, but what makes it worse is that they would not accept a VA loan doc. I said I would send them again, but asked if she could understand my fruistration and that my docs were not invalid, perhaps just not what they accepted ( though I have no idea why not. I said I would send them again, still it would be nice if she could at least understand why this was frustrating for me. '' Her voice cold, as it had been all through the call, she rushed through these words \" If-that-is-all-you-have-thank-you-for-calling-XXXXand-good-night '' and hung up the phone!\n\nHere 's why this is important. That's the only deal either of us had with a credit agency that month, since our sterling credit record the first of XXXX. And they were snotty to me, asking me to send and not accepting what I sent -- AND they had my credit history right in front of them, so they knew my credit score and how to annoy me if they wanted to, Please don't think me paranoid ; this is the world we live in now. the doument dump into our file occured just after this on XX/XX/2022. Suddenly our score, STARTING WITH MINE, WENT DOWN XXXX POINTS at one agency, then my huband 's went down, then it was at all three agencies. We went from Great-excellent scores, getting any cards we wanted to \" poor '' getting turned down for everythiing after that. \n\nAs proof, with our records identical, my husband was approved for a XXXX card from XXXX XXXX before this happened. After the dump, I was denied -- - not even approved with a lower limit -- and we were both denied for any cards after that. We know because our 0 % cards were expiring and we were seeking to replace them, so this happened at the exact worst time. And I think somebody with access to credit records, who felt annoyed by someone \" not even smart enough to have a cell phone '' as they probably saw it -- and somebody who thought it was a joke to pretend to be a supervisor on a problem call -- dumped this info in our files.\n\nHere 's what it consisted of. Records under my maiden name, which I haven't used in 25 years. Addresses and phone numbers from that long ago, from before everything was wiped out in our bankfuptcy, Various spellings of our names. It appears that in XX/XX/2022, we had excellent credit, but in ONE WEEK, We wen t out and opened a bunch of new accts, had late payments, opened and closed accts, ran up our balances, didn't pay off some accts at all, and dismissed others in bankruptcy. \n\nExample. When I read our credit report in XXXX it said \" Your earliest credit report is NOT recent -- - it was long enough ago that this is no problem! Good going! \n\nSame question the end of XXXX read : \" Your earliest account was opened too recently. You need to hold on to some of your accounts for awhile. Tnen your credit record will go up. '' I tried to complain at Transunion, the first agency reporting it wrong. The guy could barely speak XXXX, but got huffy with ME, asking for the NAME of the \" early credit company '' if I wanted to file a dispute about it. I'm trying to explain \" How could I know that? This is, in the first place, a baseless charge, and in the second, I don't know what account they were even referring to? So he said he couldn't help me. \n\nSo here we sit, with our credit that we worked for approx 12 years without one late payment -- RUINED. \" poor '' is what it says at every agency for both of us. There's no way we can file ordinary disputes. What's going on with our accounts is too complex ; it doesn't fall into the category of \" This one acct is reported incorrectly ; tell us, and we'll fix it if we decide it's wrong, '' and that's the only thing the credit union rep was able to hhelp anyone with. \n\nI first filed this against transunion and XXXX XXXX, who turned me down and who were holding my husband 's acct in their \" fraud dept '' because of all this craziness -- we just finally got it out of \" fraud '' so we could transfer a balance to it last night. We've been working on this for months now ... not meaning to claim/blame emotion, but seriously, my XXXX  levels are so high that I've had to see a doctor and get XXXX, and I'm still ( as you may be able to tell from this ) furious and sad, feeling like crying and yelling at somebody, unable to concentrate on anything and frankly, unable to think of anything but how it looks like some kids at a banking institution decided it would be fun to mess with us, so they did,., Nope, no proof, but how else can we explain scores dropping XXXX points in a month -- ( the transunion guy read off his script \" Please remember that credit scores are XXXX and subject to change, '' and I just wanted to laugh. This is from excellent to poor, from the second quintile from the top to the second quintile from the bottom in one month. If people weren't all so algorithm-reliant and poorly-educated these days, they'd see immedialtey that this just doesn't happen. And to have our score reflect how we were doing 12 years ago, not how we were doing the first of XXXX? Just not fair! \n\nPlease help us! ( BTW, this has crashed twice ; first time I've gotten all the way through this. What a relief. ) Yes, I DO want this printed so others can see what people or just fate ( since I have no proof of people, just awfully suspicious dates and circumstances. ) can have in store for you","date_sent_to_company":"2022-03-23T12:57:34.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"652XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"5287225","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-03-04T20:16:15.000Z","state":"MO","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":["On XX/XX/XXXX, our credit files ( husband and self ) were dumped with years of old files from before our <em>bankruptcy</em>, dropping our credit scores by XXXX points, from great-excellent to poor. This is the only thing that happened in XX/XX/2022 : I applied for a XXXX card. They <em>said</em> they <em>couldn</em>'t <em>verify</em> me."]},"sort":[13.93375,"5287225"]},{"_index":"complaint-public-v1","_id":"7487549","_score":13.002866,"_source":{"product":"Credit card","complaint_what_happened":"I have a credit card with Walmart through Capital One. I have had this account for approx. 9 years! I will start this out by saying that I've NEVER made a late payment to them or any other creditor for that matter, and NEVER have I filed bankruptcy! I have had ZERO negative marks on my credit and ZERO public records! \nI went to make my payment on my Capital One Walmart credit card online on XX/XX/XXXX, the day it was due. and noticed that my account with Capital One had been restricted online and it said to call. I called immediately and they said my account had been flagged for bankruptcy! I have never filed bankruptcy in my life! I immediately asked to talk to a supervisor, and she informed me that they would have to investigate it and someone should reach out to me in 2-3 days! They refused to take my payment over the phone, but they said that they would refund any late fees if they were in the wrong! I then proceeded to pull my credit history from my XXXX Credit Monitoring Service that I am subscribed to, just to make sure that there wasnt any suspicious activity on my account or any bankruptcies showing up in my public records! There was nothing, no suspicious activity or bankruptcies! I then waiting until the next day XX/XX/XXXX, and called Capital One again, and the agent I spoke to this time ( XXXX, Agent # XXXX ) and she told me that the bankruptcy had been misapplied and that she could go ahead and take the payment. I asked her when the account restricted status would come off of my account, and she said it would take a few days. I gave her my payment info over the phone and made a {$140.00} payment over the phone! I thought it was caught and taken care of at that point! I checked my account online Monday morning XX/XX/XXXX, and it still said account restricted but it showed by balance which reflected the payment I made over the phone. Still, I thought it had been taken care of! I kept checking the account online periodically on XX/XX/XXXX, and by mid-afternoon XX/XX/XXXX, I was able to fully access my online account and the account restricted status had been lifted! However, I checked it again the next day, Tuesday afternoon XX/XX/XXXX, and I was able to sign on, but it said no accounts found! My stomach instantly turned when I saw that! I immediately called and I was told the account had been charged off due to bankruptcy! I told them that the bankruptcy was not mine and demanded for them to give me more info so I could look into this matter deeper! Ive never had any negative reportings on my credit history, and I wanted this resolved quickly! I was transferred to another agent ( XXXX in the Recoveries Department XXXX, ext. XXXX ). She told me that since the account was charged off, that she would have to wait for it to transfer over to the other system so she could give me more info. She told me that she would try and help me so I could get this resolved quickly! Thursday, XX/XX/XXXX, XXXX called me at approx. XXXX XXXX  EST and gave me the info for the bankruptcy. She said that it had been filed in the XXXX Ohio District Bankruptcy Court. She told me the case number was XXXX and it was filed on XXXXXXXX  and was filed as a XXXX  XXXX! I again told her that this was not me, and that I had checked my SSN on XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ), and that no bankruptices had been filed in my name! She told me that someone from the dispute department would be contacting me shortly to get this resolved! At approx. XXXXXXXX XXXX on XX/XX/XXXX, I was contacted by XXXX from the Recoveries and Disputes department from Capital one ( Agent # XXXX ). He told me that he believed that the bankruptcy had been misapplied and that he was going to research to see what was going on. I gave him all of the information that I had! He apologized to me that I was dealing with this and told me he was going to work with me to quickly resolve this matter. After getting off of the phone, I went straight online through XXXX. again to see if I could locate the actual bankruptcy filing since they gave me info to see who actually filed it! I found a bankruptcy that was filed in the XXXX Ohio District Bankruptcy Court on XX/XX/XXXX that belonged to a girl that had the same last name as me and lived in the city, but a completely different first name and street address! The case number is XXXX! The case number that Capital One gave me was XXXX, but I couldn't find a case with just those numbers! The case for the one I found online on XXXX had to be the one they were referring to because it has all of the same numbers and the only one filed on that specific date in that court, and it was a XXXX  XXXX! I received a call back from XXXX from Capital One at approx. XXXXXXXX XXXX. XXXX on XX/XX/XXXX, but I was at work and missed the call. He left me a message on my voicemail. The transcript was as follows Good Afternoon XXXX XXXX. This is XXXX calling from Capital One. Im calling to follow up as promised. I do have some great news! We were able to get the bankruptcy issue resolved and are working on reviewing your account for reactivation. If you have any questions please give me a call back at XXXX. Once again this is XXXX calling from Capital One recoveries and disputes for XXXX XXXX! Im just calling to advise you that we were able to unravel the bankruptcy issue and we are going to and working on doing the reactivation for your account. Please give us a call back if you have any additional questions at XXXX. My agent ID is XXXX. Thank you and have a great day! \nAs soon as I listened to the message, I attempted to call back. I gave the agent that answered Rays agent ID, but was told that they were unable to connect me. I then called XXXX, the agent that initially helped me, because I had her direct extension. She told me she would get in touch with XXXX and tell him to return my call. I attempted to reach XXXX at Capital One approx. 10 times from XX/XX/XXXXXXXX  thru XX/XX/XXXX, with no luck! I had questions I wanted answered and could not reach him! Every time I called, I got a different agent every time, and Im told something different every single time I call! Ive been told they will have him call me back, and Ive also been told that there is no way for them to connect me with him or leave him a message, although I have his agent ID. I sent a certified letter to Capital One with detailed info about what happened on XX/XX/XXXX, and had it overnighted! I also typed a letter to all 3 credit bureaus about this mess, and asked them to attach the letters to my credit file, just in case anything negative showed up! Fast forward to the next day, and XXXX from Capital One FINALLY returned my call on XX/XX/XXXX! I was NOT happy with him and told him the stress I went through trying to reach him! He explained that there was a process they had to go through to reinstate my account! I told him that I understand there is a process, but there needs to be more of a PROCESS PRIOR to them slapping a bankruptcy on someone's card and charging it off! Especially since I contacted them several days before it was charged off! He assured me that they were working on it and attempting to reinstate my account as fast as they could! I told him again that nothing negative better show on my credit as a result of this mess, and their negligence led to this problem... it was NOTHING that I did! I received a phone call on XX/XX/XXXX from Capital One. I was at work and did not get to write the agents ID number down, but her name was XXXX and she stated she was a Senior Account manager! She told me that they were working on reinstating my account, and they had to \" mirror '' my account to reinstate it, and it could take 3-5 weeks!!! I've already went through this mess for 2 weeks!!! I asked her if its could be expedited, and she said there was no way to expedite it! I am so sick of dealing with Capital One and the stress and XXXX  that they have caused me over the past 2 weeks! I am sick over this whole mess and I want it fixed! Waiting 3-5 weeks for them to fix a mess that was their fault in unacceptable! I asked XXXX from Capital One on XX/XX/XXXX when I spoke to him, what Capital One was going to do for me to compensate me? I told him that once the account is fixed, they need to reduce the interest rate or SOMETHING! He told me he would see what he could do! I shouldn't have to ask for compensation, they should have offered it in the first place since they were the ones that made the error! I am being told NOTHING will show negative on my credit, but I'm watching my credit closely! I don't trust the company at all! This is bad business and it has taken away from my family, my work, my leisure time and caused XXXX  and panic! There should be more of an extensive verification process before a bankruptcy is flagged on someone's account! The person didn't even have the same first name as mine..only the last! My last name is a common last name at that! However, I know that writing this complaint won't get anything done faster, but I wanted to warn others about this happening! Thank goodness for my background in finance, because I knew some steps to follow to protect myself! The ONLY good thing I have to say is about a specific representative that I have dealt with, and that is XXXX! XXXX is the only agent that, I feel, truly believed me and tried to help me! If it wasn't for her, I don't think we would've ever gotten to the bottom of this! I am disgusted and infuriated with how this entire situation has been handled from Capital One! There is no reason why this \" process '' of reinstating my account should take 3-5 weeks!","date_sent_to_company":"2023-09-01T21:19:24.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"456XX","tags":null,"has_narrative":true,"complaint_id":"7487549","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-09-01T20:33:18.000Z","state":"OH","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["There should be more of an extensive <em>verification</em> process before a <em>bankruptcy</em> is flagged on someone's account! The person didn't even have the same first name as <em>mine</em>..only the last! My last name is a common last name at that! However, I know that writing this complaint won't get anything done faster, but I wanted to warn others about this happening! Thank goodness for my background in finance, <em>because</em> I knew some steps to follow to protect myself!"]},"sort":[13.002866,"7487549"]},{"_index":"complaint-public-v1","_id":"5254373","_score":11.609736,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Credit report always within XXXX pts of husband 's, as we are on all each other 's accts. Checked last month, everything normal. This month, his normal XXXX, mine dropped XXXX pts to XXXX, with all kinds of inaccurate information -- none of it on his, although again, we have done the same things with all accts this month, as always ( our reports have never been even XXXX pts apart, let alone XXXX, nor have they dropped XXXX pts in a month. ) Some of the inacurrate info includes the following : missed payment. Have never missed a payment. Account closed and new opened. No, never happened. They gave me, unasked, a credit line increase at two different companies, for great credit scores.. I did not close or open anything on my own ( husband on all old and new accounts, as well, but none of these things are on his report. ) ALSO - THEY ARE NOT ON MY XXXX REPORT, WHICH IS THE USUAL XXXX, WHILE HIS IS XXXX, WHICH IS NORMAL ). Only XXXX XXXX  up and dropped me XXXX points, which the rep tried to explain by reading a stupid script \" Please note that credit scores are dynamic and subject to change ... '' All incorrect info, like : It says \" your oldest credit account is too recent. '' Wrong. This was not marked this way last month or any other month-it is not that way on husband 's acct, even though both names on all accts, and oldest acct 15-so years old! Not \" recent ''!\n\nHas other accts listed as newly opened and closed this month -- not true -- AND there's a bunch of new information added this to my credit report this month -- - old names I haven't used for 20+ years ( since I got married! ) old addresses -- it's as if they found an old report and just combined it with my recent once with the good information! \n\nI think this is because we tried to open a Cap-1 not long ago. Instead of new card, they sent us welcome pkg and approval, but a card with an OLD number we had 10-12 years ago on it! We tried to activate ; they said we can't -- that acct was closed and paid off several years ago. We asked for new card for THIS acct ( welcome pkg, emails have all new terms ) -they said that IS your new acct... but they also said they can't activate it because it's an old, closed acct. \n\nBecause of this mess, we are listed as having a new XXXX cap-1 acct that we DID try to open ( we don't -- it was closed years ago, and though they approved a new one, it was with a number we couldn't activate.Now when we try to open one, it says \" You can't -- you already have one open, haha ) We explained the screw-up. -- and they said send ID to this special link to verify. We did that night -- - and never heard back. But we keep getting \" wecome emails. '' We think they added all that OLD capital 1 info for that old acct, under my maiden name, to our ( my ) credit report this month, as if it was NEW -- stupid mistake, but a computer glitch that cap-1 won't fix ... that is now showing up as NEW info on my credit acct -- but not my husband 's, prob because he didn't change his name since we had that acct, so they didn't add all that info like it was a newly-discovered alias for me or something. \n\nXXXX on phone today would not open dispute-about incorrect score -- - or give me supervisor -- just kept reading from script. We're now in a nightmare with cap-1 who has us with an acct we can't use and worse, with XXXX which has changed my credit score from GREAT as it iwas last month, to FAIR as it was when I had the old cap-1 acct under my maiden name decades back.They even ( XXXX ) had old addresses from back then newly added and listed as new information to my credit report within the past 30 days, like they just discovered I had this secret past I had been hiding from them. sounds crazy, I know. Well, it is. \n\nWhat a mess. I'm filing this against XXXX, cos the ruined credit score hurts worse than the credit card we can't use. But both XXXX  and cap-1 are to blame for a computer glitch too complicated for them to understand, let alone fix, esp when the reps hardly understand English. Obviously, our name came up on this new cap-1 acct when we applied last month as a \" needs new card, '' so they sent us a new card we can't use on an OLD account -- and then reported all that 20-30 year old information, from when we had that cap-1 acct, I guess, to the credit union, as it is all added over the past 30 days! \n\nIf you can even understand this, let alone help, you'll be miracle workers. I worked for the XXXX  in XXXX XXXX in the XXXX, and if somebody had given me this complaint back then, I would have thought they were insane. But that's what has happened to us... and we've written letters AND talked to reps at both cap-1 and XXXX  ... plus, we tried to go online, but they won't let us go online because our info doesn't match ( XXXX  says my email address is incorrect ; it's not. Cap-1 says the ss number and password don't match, so they must have our OLD password -- it was already in there when we tried to put it in... .and as for XXXX, when I tried to sign in there, they claimed they couldn't sign me in, as I didn't have a cell for them to verify me with -- I use a landline -- is that illegal now? ) Please try to help us. This is making me XXXX  and XXXX, XXXX  and XXXX. Worked our way up from bankruptcy over a decade ago to being homeowners with great credit only to have XXXX  XXXX us over -- - hope it doesn't spread to XXXX, who so far, still has me in the \" great '' ( not \" fair '' ) category.","date_sent_to_company":"2022-02-23T22:46:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"652XX","tags":"Servicemember","has_narrative":true,"complaint_id":"5254373","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2022-02-23T22:46:20.000Z","state":"MO","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>Because</em> of this mess, we are listed as having a new XXXX cap-1 acct that we DID try to open ( we don't -- it was closed years ago, and though they approved a new one, it was with a number we <em>couldn</em>'t activate.Now when we try to open one, it says \" You can't -- you already have one open, haha ) We explained the screw-up. -- and they <em>said</em> send ID to this special link to <em>verify</em>. We did that night -- - and never heard back."]},"sort":[11.609736,"5254373"]},{"_index":"complaint-public-v1","_id":"5254371","_score":11.605152,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Credit report always within XXXX pts of husband 's, as we are on all each other 's accts. Checked last month, everything normal. This month, his normal XXXX, mine dropped XXXX pts to XXXX, with all kinds of inaccurate information -- none of it on his, although again, we have done the same things with all accts this month, as always ( our reports have never been even XXXX pts apart, let alone XXXX, nor have they dropped XXXX pts in a month. ) Some of the inacurrate info includes the following : missed payment. Have never missed a payment. Account closed and new opened. No, never happened. They gave me, unasked, a credit line increase at two different companies, for great credit scores.. I did not close or open anything on my own ( husband on all old and new accounts, as well, but none of these things are on his report. ) ALSO - THEY ARE NOT ON MY FICO REPORT, WHICH IS THE USUAL XXXX, WHILE HIS IS XXXX, WHICH IS NORMAL ). Only Transunion screwed up and dropped me XXXX points, which the rep tried to explain by reading a stupid script \" Please note that credit scores are dynamic and subject to change ... '' All incorrect info, like : It says \" your oldest credit account is too recent. '' Wrong. This was not marked this way last month or any other month-it is not that way on husband 's acct, even though both names on all accts, and oldest acct 15-so years old! Not \" recent ''!\n\nHas other accts listed as newly opened and closed this month -- not true -- AND there's a bunch of new information added this to my credit report this month -- - old names I haven't used for 20+ years ( since I got married! ) old addresses -- it's as if they found an old report and just combined it with my recent once with the good information! \n\nI think this is because we tried to open a XXXX not long ago. Instead of new card, they sent us welcome pkg XXXX approval, but a card with an OLD number we had 10-12 years ago on it! We tried to activate ; they said we can't -- that acct was closed and paid off several years ago. We asked for new card for THIS acct ( welcome pkg, emails have all new terms ) -they said that IS your new acct... but they also said they can't activate it because it's an old, closed acct. \n\nBecause of this mess, we are listed as having a new XXXX XXXX acct that we DID try to open ( we don't -- it was closed years ago, XXXX though they approved a new one, it was with a number we couldn't activate.Now when we try to open one, it says \" You can't -- you already have one open, haha ) We explained the screw-up. -- and they said send ID to this special link to verify. We did that night -- - and never heard back. But we keep getting \" wecome emails. '' We think they added all that OLD capital 1 info for that old acct, under my maiden name, to our ( my ) credit report this month, as if it was NEW -- stupid mistake, but a computer glitch that XXXX won't fix ... that is now showing up as NEW info on my credit acct -- but not my husband 's, prob because he didn't change his name since we had that acct, so they didn't add all that info like it was a newly-discovered alias for me or something. \n\nTransunion on phone today would not open dispute-about incorrect score -- - or give me supervisor -- just kept reading from script. We're now in a nightmare with XXXX who has us with an acct we can't use and worse, with transunion which has changed my credit score from GREAT as it iwas last month, to FAIR as it was when I had the old XXXX acct under my maiden name decades back.They even ( transunion ) had old XXXX from back then newly added XXXX listed as new information to my credit report within the past 30 days, like they just discovered I had this secret past I had been hiding from them. sounds crazy, I know. Well, it is. \n\nWhat a mess. I'm filing this against transunion, cos the ruined XXXXredit score hurts worse than the credit card we can't use. But both transunions XXXX XXXX are to blame for a computer glitch too complicated for them to understand, let alone fix, esp when the reps hardly understand XXXX. Obviously, our name came up on this new XXXX acct when we applied last month as a \" needs new card, '' so they sent us a new card we can't use on an OLD account -- and then reported all that XXXX year old information, from when we had that XXXX acct, I guess, to the credit union, as it is all added over the past 30 days! \n\nIf you can even understand this, let alone help, you'll be miracle workers. I worked for the XXXX in XXXX XXXX in the XXXX, XXXX if somebody had given me this complaint back then, I would have thought they were insane. But that's what has happened to us... and we've written letters AND talked to reps at both XXXX XXXX transunion ... plus, we tried to go online, but they won't let us go online because our info doesn't match ( wallethub says my email address is incorrect ; it's not. XXXX says the ss number and password don't match, so they must have our OLD password -- it was already in there when we tried to put it in... .and as for transunion, when I tried to sign in there, they claimed they couldn't sign me in, as I didn't have a cell for them to verify me with -- I use a landline -- is that illegal now? ) Please try to help us. This is making me sick and stressed, anxious and depressed. Worked our way up from bankruptcy over a decade ago to being homeowners with great credit only to have transunion XXXX  us over -- - hope it doesn't spread to FICO, who so far, still has me in the \" great '' ( not \" fair '' ) category.","date_sent_to_company":"2022-02-23T22:46:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"652XX","tags":"Servicemember","has_narrative":true,"complaint_id":"5254371","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-02-23T21:55:34.000Z","state":"MO","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":["<em>Because</em> of this mess, we are listed as having a new XXXX XXXX acct that we DID try to open ( we don't -- it was closed years ago, XXXX though they approved a new one, it was with a number we <em>couldn</em>'t activate.Now when we try to open one, it says \" You can't -- you already have one open, haha ) We explained the screw-up. -- and they <em>said</em> send ID to this special link to <em>verify</em>. We did that night -- - and never heard back."]},"sort":[11.605152,"5254371"]},{"_index":"complaint-public-v1","_id":"5722467","_score":10.686392,"_source":{"product":"Mortgage","complaint_what_happened":"I built my home and finance it by myself, in XXXX. I was the sole owner. Against my will, I was coerced ( by XXXX XXXX and XXXX XXXX XXXX of XXXX XXXX XXXX  XXXX into refinancing my home in XXXX of XXXX and adding my Now ex-husband to my loan ( I married him in XXXX of XXXX kicked him out in XXXX, and finalized our divorce in XXXX ). At closing, I paid an additional {$3100.00} to buy my rate down to 0.75 %. My monthly payment should have consisted of 0.75 % ~Margin plus the 30 day Libor rate. They tried to get me to pay even more money to reduce my margin to 0.25 % but I did not have that much extra. As it was, I paid more money to buy my rate down than I wanted to pay. My home loan is known as a Home Ownership Accelerator Loan and the payments change monthly based on the interest rate ( Margin ) plus the 30 day Libor. I am now discovering that the reason XXXX wanted my ( now ex-husband ) on my home loan is so they could increase my balance as high as possible so they could get a higher commission. I told them I did not want my balance to be that high, but they insisted it would be better in the long run. Since my very first mortgage payment in XXXX, the interest calculated on my account has been inaccurate. My loan was immediately sold to GMAC Mortgage. I contacted XXXX on XX/XX/XXXX and inquired as to when my new lower payments would be taking effect since I bought my rate down and he told me something about pressure on the international markets or something like that. On XX/XX/XXXX, XXXX emailed me and told me my rate fell half a point. I was extremely excited because I though my payments would be significantly lower. However, this was not the case. My payments were still not where I was told they were going to be during the presentation by XXXX XXXX. In XXXX of XXXX, I asked XXXX when I would be receiving a statement from my mortgage company regarding the \" Points '' I paid to buy my rate down. He said it should come in the mail from either GMAC Mortgage or XXXX. I wrote him back on XX/XX/XXXX and told him I found my \" points '' on my closing statement. NOW, looking back at my year end tax statement from GMAC mortgage in XXXX, they did NOT include the points. At the time, I didn't really pay understand because I did NOT have any idea how that worked. I kicked XXXX out of my home in XXXX because he was abusive to my two young children, but did not file for divorce until XXXX because he refused to accept the fact that we were done. I do not have any children with XXXX. In my divorce decree, the judge awarded me sole ownership of my home. I have been the sole owner and monthly mortgage payer since I had my home built in XXXX. Although I contacted GMAC Mortgage on several occasions to try and find out why my payments were wrong, and why my payments weren't being applied properly, I was never able to get it resolved because nobody was able to figure out how my home loan was supposed to work. It was EXTREMELY frustrating. My monthly balance never seemed to change even though I had paid a significant amount towards the principal. Anything above my interest was to be paid to the principal. I have verification of every single payment I made on this account and it can be supplied if the need arrises. I have paid at least {$150000.00} TOTAL on my home and yet I am somehow facing foreclosure. GMAC Mortgage ( XXXX XXXX XXXX XXXX, AZ XXXX ) declared bankruptcy in XXXX and liquidated their assets in XXXX. I continued making my payments to GMAC even though a company named OCWEN Loan Servicing Center ( XXXX XXXX XXXX XXXX, IA XXXX ) had taken over my home loan from XX/XX/XXXX to XX/XX/XXXX. My Bill Pay from my bank continued to send my payments to GMAC. I was not aware that GMAC was not my servicer anymore until I began researching my home loan timeline for this foreclosure. That is when I saw emails from OCWEN. What I have found in my research is that OCWEN was found guilty of fraud and numerous other allegations of wrongdoing. From the documents I am able to locate, I paid GMAC and OCWEN a total of {$100000.00}. ( this does not include payments to XXXX  and XXXX. These payments were both tied to the same account number. These are the payments I can locate by searching my different payment methods. It could be more than this. During this entire time, I contacted GMAC hundreds of times to try and get my account straightened out. It was so stressful. They just kept giving excuse after excuse and kept saying they would look into it ; but that never happened. And then they were gone! XXXX took over my loan in XXXX of XXXX. It was a nightmare right from the start. My account number changed. Their online system was horrible. Nothing about my home loan looked correct. The payments, the balance, and the odd charges they kept charging my account were not applicable. Their system wouldn't accept payments from me that were less than what they claimed I owed. Prior to that I could make a payment every hour if I wanted. The amount of interest they were charging me was WAY too high. Calling them and trying to get a supervisor was impossible. Nobody knew what type of home loan I had, nor did they understand how to credit any of my payments. I tried telling them my balance was wrong, my interest was wrong and they needed to accept my payments regardless of the amount I tried to pay. They refused to help me. Even charging me a fee to take payments over the phone when their system wouldn't accept my payments. They are horrific and shouldn't even be in business. Then in XXXX of XXXX, XXXX suddenly doubled my monthly payment without any explanation. Even though my payments were not accurate to begin with, the Libor rate hadn't changed much so my payment shouldn't have doubled. Once again I tried calling to get help but everyone I spoke with was useless. NOBODY knew how to help me. They kept telling me that a supervisor would call me back, but that call never came. It was an endless cycle of lies and deceit. In XXXX my interest only period ended and my payment increased by {$700.00} per month. I was able to keep up on these payments until XXXX of XXXX. I was still trying to get my mortgage balance/payments straightened out and because these payments weren't accurate, my mortgage fell behind. I was owed money from a company who emailed me and said they were going out of business and couldn't pay me. That was a complete blindside. I have several different companies, but that was a huge part of my projected income. So in addition to my payments being higher than they were were supposed to be, I now had to rebuild my companies. Come to find out XXXX was issued a Cease and Desist order for unsafe and unsound practices from the XXXX in XX/XX/XXXX. Then the pandemic hit and I started receiving mortgage statements from a company named XXXX Bank. They held off foreclosures during the pandemic. I spoke with a gentleman in XXXX of XXXX and asked for forbearance. He kept trying to tell me that the loan wasn't mine. I don't know if he was ever convinced that this loan belongs to me but he tried his hardest to tell me that it did not belong to me. He also said that I could only have forbearance for 6 months. That brings me full circle to this moment in time. I am trying to work with XXXX  to have them straighten this out. I also have a housing counselor ( XXXX XXXX ) at Idaho Housing and Finance Association. She can attest to all of the incompetence we are experiencing. We asked for a loss mitigation packet on XX/XX/XXXX. My original sell date was set for XX/XX/XXXX. I did not receive that packet until XX/XX/XXXX. In the interim, I found a previous loss mitigation packet from XXXX ( which I sent to XXXX  but the post office was not able to deliver because they said nobody was at their address in New Jersey ). I emailed XXXX an 8 page hardship letter, along with numerous financial documents etc ... on XX/XX/XXXX. The email I was given to send these documents was XXXX. I received an error from this email \" XXXX '' stating that the documents were too large ( even though they were under XXXX ). The error message was from XXXX. This was a RED FLAG. Then on XX/XX/XXXX my housing counselor compressed/faxed/emailed all of these documents ( hardship letter which also asked for payment verification along with calculation of interest rate for my loan from XXXX to present, loss mitigation application, divorce decree, XXXX, XXXX, Owner policy Schedule A, and DT. On XX/XX/XXXX, I received an email from the loss mitigation department at XXXX telling me the options in lieu of the foreclosure. They also asked me to enroll in their online portal. I started the enrollment process then noticed that the terms and conditions belong to XXXX XXXXXXXX. I also noticed that the terms and conditions included a section that wanted me to give my permission to Back in the XXXX XXXX to use, reproduce, adapt, publish, translate, and distribute my user content in any existing or future media, text, images, audio material documents that I submit to the website for whatever purpose they desire. Another RED FLAG. XXXX called on XX/XX/XXXX and spoke with agent XXXX. She had to put XXXX on hold and finally WAS able to locate the documents sent on XX/XX/XXXX. The agent looked over the paperwork and made some suggestions. I complied with her suggestions and XXXX sent ALL the documents once again on XX/XX/XXXX. On XX/XX/XXXX, XXXX called to verify that the documents had been received. The agent told her that there was not an open case yet ; but that the foreclosure/sale date had been pushed out until XX/XX/XXXX. I had not received any notice regarding this so it was a surprise. We still do not know why the date was pushed out. On XX/XX/XXXX we did a three way call which consisted of me, XXXX and XXXX XXXX from XXXX. She informed us that NONE of the documents we had sent were in their system. She said we would have to send everything again. I was so upset. I kept asking her questions and she couldn't answer one single question. I asked to speak with a supervisor and she said this was not possible but that a supervisor would call me back within 24 to 48 hours. I waited all day XX/XX/XXXX and XX/XX/XXXX and no call ever came. I have screenshots of all my calls during this time and they did NOT call me. A supervisor, to this day ( XX/XX/XXXX, ) has never called me back. XXXX sent all of my documents again on XX/XX/XXXX. I received a letter in the mail from XXXX on XX/XX/XXXX dated XX/XX/XXXX, that states they are still missing several documents. This company has now lost all of my documents that were ( rejected XX/XX/XXXX ) sent again XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The missing documents have been sent. On XX/XX/XXXX my phone rang at XXXX. I answered the call and it was XXXX. The person on the line was XXXX XXXX agent number XXXX. This was NOT a supervisor. Just a collection agent who couldn't help me. She tried telling me that she couldn't talk to me unless I verified which two accounts my prior payments had been sent from. I couldn't understand why she would need to know that. She said because it's a HELOC, she has to verify more than just my name, address, social security number, etc .... I told her my loan is NOT a HELOC and that it's a home ownership accelerator. She said she had never heard of that. I proceeded to tell her that the reason for my delinquency was mainly because of fraudulent payment ommissions and miscalculations of payments. She said that I had to contact GMAC and OCWEN because XXXX didn't take over my loan until XXXX. She said that OCWEN would be impossible to reach so \" good luck ''. I informed her that since they now own my loan, they will have access to all of the information attached to my loan since its inception. I told her I wrote and asked for verification of my payments and calculation of my payments when I sent my hardship letter in on several different occasions. She said she didn't see those documents in her system. I told her they had FIVE Days to acknowledge receipt of my request ( this has not happened ). She said that documents get lost all of the time and I would just have to continue sending them. ( THIS IS RECORDED ON HER END SO YOU CAN VERIFY ALL OF THIS ). I was absolutely floored when she told me that they lose documents all the time. I believe they are trying to prevent me from getting my loan modified by losing my paperwork and telling me requirements that aren't true. That's unethical and not acceptable. XXXX XXXX did tell me that she would put in a request for verification of my payments made and calculation of my payments. In addition to the fraud, I also told her that my delinquency was due to financial hardship. I told her that we had sent in ALL of the documents that had been asked for and she said she would email the loss mitigation department to find out why they are still saying I have missing documents. XXXX called XXXX again in the afternoon of XX/XX/XXXX. She wanted to follow up with them regarding my conversation with XXXX XXXX. She was informed that the request for verification had been sent but they also told XXXX they have received the missing documents ( XX/XX/XXXX ) ; but will not accept my documents because I have redacted a portion of my bank statements and my taxes are expired. According to the letter I received from them, they only need to see my deposits. That is what I provided. They also said to provide my most current filed tax return ( which it's XXXX ). I filed my tax returns on XX/XX/XXXX. They want me to provide the extension I filed for this year. I have done XXXX for XXXX  years and I know for a FACT that I do NOT have to file an extension unless I owe taxes. And even then, I have until XX/XX/XXXX of XXXX to file my tax return regardless of if I filed an extension or not. IF I owed taxes, I technically don't have to file an extension but I would be penalized higher for not filing an extension ; BUT if I don't owe taxes, I am not legally obligated to file an extension. HOWEVER ; their letter states that either tax returns OR bank statements are necessary. I DO NOT TRUST them. I DO NOT want them having my bank account information. I sent them my bank statements with my deposits listed but my debits and my account number redacted. I also sent them my XXXX, XXXX, XXXX statements. They do NOT need to see my debits, they only need to see my deposits. That is what their letter asks for. They are also trying to say I have to include my ex-husband on my modification application since his name is still tied to my home loan. He has not lived her since XXXX. My divorce decree from XXXX states that the judge grants me as sole owner of my home. My ex is obsessed with me and since he was abusive, I have had ZERO contact with him since I kicked him out in XXXX. He only lived here from XXXX to XXXX. I know that XXXX  can modify my loan without him. I have been the sole person who has made 100 % of the payments since day number one. In fact, once my payments are credited properly, I shouldn't have much of a balance left at all. In addition to everything that has happened. My mail carrier forged my name on some Certified Letters from the attorney handling this foreclosure. I filed a complaint with the postmaster in my home town. Both the carrier and the postmaster have tried to cover up this fraud. I have a witness that wrote a sworn statement regarding the carrier never exiting their vehicle on the day in question. The postmaster said their GPS tracking system shows the carrier never exited their vehicle AND ... ..NOBODY was home when the mail carrier forged my name and left the certified letters in my mailbox. I did not want these letters and I had never gone to the post office to pick them up in the past when the notice was left in my mailbox. I'm sure that a letter carrier forging my name comes with some pretty serious implications. I'm pretty certain this is a federal offense. Now the attorney who sent those letters \" THINKS '' I have received them and read them. I still have not opened them. I will also be filing a complaint with the postmaster General. I asked my local postmaster what the update was today. He said he would find time last week to speak with the carrier after I sent him the sworn statement from a neighbor. He has yet to reply. Me trying to get this straightened out is not due to lack of trying, it is due to incompetency and lack of follow up from GMAC, OCWEN, XXXX  and XXXX. I am a female, XXXX XXXX XXXX and I raised my children all by myself without any help at all. I have been XXXX since XXXX. I work hard XXXX. I have never depended on a man ( or anyone else ) to help me financially. I have experienced GREAT success but also financial hardships. I refuse to lose my home because my interest rate and my payments were never calculated or applied correctly. I am so tired of this corruption and incompetency. I have PROOF of every thing I have said in this statement. I can back everything up. I do not have much time because my foreclosure has been rescheduled to XX/XX/XXXX. It was previously scheduled for XX/XX/XXXX, then XX/XX/XXXX. It keeps getting pushed out. Yesterday ( XX/XX/XXXX ) I received a notice from CFPB.. That notice was from XXXX  who acquired OCWEN. In their statement, they claim they have no record of my mortgage. They want me to provide them with information regarding my mortgage. I am not going to make their job easy. They sent me emails, and also reported my mortgage to the credit bureau so they should absolutely have record of it. The fact that they can't find record of it is very concerning. This just goes to show that they must not have record of all the payments I made to them. I spoke with my housing counselor today. She informed me that she spoke with XXXX  yesterday ( XX/XX/XXXX ) and was told that they closed my loss mitigation application but could not provide a reason why. My counselor was told that I have to begin the process all over again. They told me to call on Friday and ask why it's closed. This level of incompetency is unacceptable. They need to be investigated for fraud and be shut down for incompetency. XXXX XXXX","date_sent_to_company":"2022-06-29T19:29:34.000Z","issue":"Struggling to pay mortgage","sub_product":"Other type of mortgage","zip_code":"83634","tags":null,"has_narrative":true,"complaint_id":"5722467","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2022-06-29T19:26:05.000Z","state":"ID","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Just a collection agent who <em>couldn</em>'t help me. She tried telling me that she <em>couldn</em>'t talk to me unless I <em>verified</em> which two accounts my prior payments had been sent from. I <em>couldn</em>'t understand why she would need to know that. She <em>said</em> <em>because</em> it's a HELOC, she has to <em>verify</em> more than just my name, address, social security number, etc .... I told her my loan is NOT a HELOC and that it's a home ownership accelerator. She <em>said</em> she had never heard of that."]},"sort":[10.686392,"5722467"]},{"_index":"complaint-public-v1","_id":"5623510","_score":10.683937,"_source":{"product":"Mortgage","complaint_what_happened":"I built my home and finance it by myself, in XXXX. \n\nI was the sole owner. Against my will, I was coerced ( by XXXX XXXX and XXXX XXXX XXXX of XXXX XXXX XXXX  ) into refinancing my home in XXXX of XXXX and adding my Now ex-husband to my loan ( I married him in XXXX of XXXX kicked him out in XXXX, and finalized our divorce in XXXX ). At closing, I paid an additional {$3100.00} to buy my rate down to 0.75 %. My monthly payment should have consisted of 0.75 % ~Margin plus the 30 day XXXX rate. They tried to get me to pay even more money to reduce my margin to 0.25 % but I did not have that much extra. As it was, I paid more money to buy my rate down than I wanted to pay. My home loan is known as a Home Ownership Accelerator Loan and the payments change monthly based on the interest rate ( Margin ) plus the 30 day XXXX. I am now discovering that the reason XXXX wanted my ( now ex-husband ) on my home loan is so they could increase my balance as high as possible so they could get a higher commission. I told them I did not want my balance to be that high, but they insisted it would be better in the long run. Since my very first mortgage payment in XXXX, the interest calculated on my account has been inaccurate. My loan was immediately sold to GMAC Mortgage. I contacted XXXX on XX/XX/XXXX and inquired as to when my new lower payments would be taking effect since I bought my rate down and he told me something about pressure on the international markets or something like that. On XX/XX/XXXX, XXXX emailed me and told me my rate fell half a point. I was extremely excited because I though my payments would be significantly lower. However, this was not the case. My payments were still not where I was told they were going to be during the presentation by XXXX XXXX. \n\nIn XXXX of XXXX, I asked XXXX when I would be receiving a statement from my mortgage company regarding the \" Points '' I paid to buy my rate down. He said it should come in the mail from either GMAC Mortgage or XXXX. I wrote him back on XX/XX/XXXX and told him I found my \" points '' on my closing statement. NOW, looking back at my year end tax statement from GMAC mortgage in XXXX, they did NOT include the points. At the time, I didn't really pay understand because I did NOT have any idea how that worked. I kicked XXXX out of my home in XXXX because he was XXXX  to my XXXX young children, but did not file for divorce until XXXX because he refused to accept the fact that we were done. I do not have any children with XXXX. In my divorce decree, the judge awarded me sole ownership of my home. I have been the sole owner and monthly mortgage payer since I had my home built in XXXX. Although I contacted GMAC Mortgage on several occasions to try and find out why my payments were wrong, and why my payments weren't being applied properly, I was never able to get it resolved because nobody was able to figure out how my home loan was supposed to work. It was EXTREMELY frustrating. My monthly balance never seemed to change even though I had paid a significant amount towards the principal. Anything above my interest was to be paid to the principal. I have verification of every single payment I made on this account and it can be supplied if the need arrises. I have paid at least {$150000.00} TOTAL on my home and yet I am somehow facing foreclosure.\n\nGMAC Mortgage ( XXXX XXXX XXXX XXXX, AZ XXXX ) declared bankruptcy in XXXX and liquidated their assets in XXXX. I continued making my payments to GMAC even though a company named OCWEN Loan Servicing Center ( XXXX XXXX XXXX XXXX, IA XXXX ) had taken over my home loan from XX/XX/XXXX to XX/XX/XXXX. My XXXX XXXX from my bank continued to send my payments to GMAC. I was not aware that GMAC was not my servicer anymore until I began researching my home loan timeline for this foreclosure. That is when I saw emails from OCWEN. What I have found in my research is that OCWEN was found guilty of fraud and numerous other allegations of wrongdoing. From the documents I am able to locate, I paid GMAC and OCWEN a total of {$100000.00}. ( this does not include payments to XXXX and XXXX. These payments were both tied to the same account number. These are the payments I can locate by searching my different payment methods. It could be more than this. During this entire time, I contacted GMAC hundreds of times to try and get my account straightened out. It was so stressful. They just kept giving excuse after excuse and kept saying they would look into it ; but that never happened. And then they were gone! \n\nXXXX took over my loan in XXXX of XXXX. It was a nightmare right from the start. My account number changed. Their online system was horrible. Nothing about my home loan looked correct. The payments, the balance, and the odd charges they kept charging my account were not applicable. Their system wouldn't accept payments from me that were less than what they claimed I owed. Prior to that I could make a payment every hour if I wanted. The amount of interest they were charging me was WAY too high. Calling them and trying to get a supervisor was impossible. Nobody knew what type of home loan I had, nor did they understand how to credit any of my payments. I tried telling them my balance was wrong, my interest was wrong and they needed to accept my payments regardless of the amount I tried to pay. They refused to help me. Even charging me a fee to take payments over the phone when their system wouldn't accept my payments. They are horrific and shouldn't even be in business. Then in XXXX of XXXX, XXXX suddenly doubled my monthly payment without any explanation. Even though my payments were not accurate to begin with, the XXXX rate hadn't changed much so my payment shouldn't have doubled. Once again I tried calling to get help but everyone I spoke with was useless. NOBODY knew how to help me. They kept telling me that a supervisor would call me back, but that call never came. It was an endless cycle of lies and deceit. In XXXX my interest only period ended and my payment increased by {$700.00} per month. I was able to keep up on these payments until XXXX of XXXX. I was still trying to get my mortgage balance/payments straightened out and because these payments weren't accurate, my mortgage fell behind. I was owed money from a company who emailed me and said they were going out of business and couldn't pay me. That was a complete blindside. I have several different companies, but that was a huge part of my projected income. So in addition to my payments being higher than they were were supposed to be, I now had to rebuild my companies. Come to find out XXXX was issued a Cease and Desist order for unsafe and unsound practices from the OCC in XX/XX/XXXX. \n\nThen the pandemic hit and I started receiving mortgage statements from a company named XXXX XXXX. They held off foreclosures during the pandemic. I spoke with a gentleman in XXXX of XXXX and asked for forbearance. He kept trying to tell me that the loan wasn't mine. I don't know if he was ever convinced that this loan belongs to me but he tried his hardest to tell me that it did not belong to me. He also said that I could only have forbearance for 6 months. That brings me full circle to this moment in time. I am trying to work with XXXX  to have them straighten this out. I also have a housing counselor ( XXXX XXXX ) at XXXX XXXX XXXX XXXX XXXX. She can attest to all of the incompetence we are experiencing. We asked for a loss mitigation packet on XX/XX/XXXX. My original sell date was set for XX/XX/XXXX. I did not receive that packet until XX/XX/XXXX. In the interim, I found a previous loss mitigation packet from XXXX ( which I sent to XXXX  but the post office was not able to deliver because they said nobody was at their address in New Jersey ). I emailed XXXX an XXXX page hardship letter, along with numerous financial documents etc ... on XX/XX/XXXX. The email I was given to send these documents was XXXX. I received an error from this email \" XXXX '' stating that the documents were too large ( even though they were under XXXX ). The error message was from XXXX. This was a RED FLAG. Then on XX/XX/XXXX my housing counselor compressed/faxed/emailed all of these documents ( hardship letter which also asked for payment verification along with calculation of interest rate for my loan from XXXX to present, loss mitigation application, divorce decree, XXXX, XXXX, Owner policy Schedule A, and XXXX. On XX/XX/XXXX, I received an email from the loss mitigation department at XXXX telling me the options in lieu of the foreclosure. They also asked me to enroll in their online portal. I started the enrollment process then noticed that the terms and conditions belong to XXXX  XXXX. I also noticed that the terms and conditions included a section that wanted me to give my permission to Back in the XXXX XXXX to use, reproduce, adapt, publish, translate, and distribute my user content in any existing or future media, text, images, audio material documents that I submit to the website for whatever purpose they desire. Another RED FLAG. XXXX called on XX/XX/XXXX and spoke with agent XXXX. She had to put XXXX on hold and finally WAS able to locate the documents sent on XX/XX/XXXX. The agent looked over the paperwork and made some suggestions. I complied with her suggestions and XXXX sent ALL the documents once again on XX/XX/XXXX. On XX/XX/XXXX, XXXX called to verify that the documents had been received. The agent told her that there was not an open case yet ; but that the foreclosure/sale date had been pushed out until XX/XX/XXXX. I had not received any notice regarding this so it was a surprise. We still do not know why the date was pushed out. On XX/XX/XXXX we did a three way call which consisted of me, XXXX and XXXX XXXX from XXXX. She informed us that NONE of the documents we had sent were in their system. She said we would have to send everything again. I was so upset. I kept asking her questions and she couldn't answer one single question. I asked to speak with a supervisor and she said this was not possible but that a supervisor would call me back within 24 to 48 hours. I waited all day XX/XX/XXXX and XX/XX/XXXX and no call ever came. I have screenshots of all my calls during this time and they did NOT call me. A supervisor, to this day ( XX/XX/XXXX, ) has never called me back. XXXX sent all of my documents again on XX/XX/XXXX. I received a letter in the mail from XXXX on XX/XX/XXXX dated XX/XX/XXXX, that states they are still missing several documents. This company has now lost all of my documents that were ( rejected XX/XX/XXXX ) sent again XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The missing documents have been sent. On XX/XX/XXXX my phone rang at XXXX. I answered the call and it was XXXX. The person on the line was XXXX XXXX agent number XXXX. This was NOT a supervisor. Just a collection agent who couldn't help me. She tried telling me that she couldn't talk to me unless I verified which two accounts my prior payments had been sent from. I couldn't understand why she would need to know that. She said because it's a HELOC, she has to verify more than just my name, address, social security number, etc .... I told her my loan is NOT a HELOC and that it's a home ownership accelerator. She said she had never heard of that. I proceeded to tell her that the reason for my delinquency was mainly because of fraudulent payment ommissions and miscalculations of payments. She said that I had to contact GMAC and OCWEN because XXXX didn't take over my loan until XXXX. She said that OCWEN would be impossible to reach so \" good luck ''. I informed her that since they now own my loan, they will have access to all of the information attached to my loan since its inception. I told her I wrote and asked for verification of my payments and calculation of my payments when I sent my hardship letter in on several different occasions. She said she didn't see those documents in her system. I told her they had FIVE Days to acknowledge receipt of my request ( this has not happened ). She said that documents get lost all of the time and I would just have to continue sending them. ( THIS IS RECORDED ON HER END SO YOU CAN VERIFY ALL OF THIS ). I was absolutely floored when she told me that they lose documents all the time. I believe they are trying to prevent me from getting my loan modified by losing my paperwork and telling me requirements that aren't true. That's unethical and not acceptable. XXXX XXXX did tell me that she would put in a request for verification of my payments made and calculation of my payments. In addition to the fraud, I also told her that my delinquency was due to financial hardship. I told her that we had sent in ALL of the documents that had been asked for and she said she would email the loss mitigation department to find out why they are still saying I have missing documents. XXXX called XXXX again in the afternoon of XX/XX/XXXX. She wanted to follow up with them regarding my conversation with XXXX XXXX. She was informed that the request for verification had been sent but they also told XXXX they have received the missing documents ( XX/XX/XXXX ) ; but will not accept my documents because I have redacted a portion of my bank statements and my taxes are expired. According to the letter I received from them, they only need to see my deposits. That is what I provided. They also said to provide my most current filed tax return ( which it's XXXX ). I filed my tax returns on XX/XX/XXXX. They want me to provide the extension I filed for this year. I have done taxes for 33 years and I know for a FACT that I do NOT have to file an extension unless I owe taxes. And even then, I have until XX/XX/XXXX of XXXX to file my tax return regardless of if I filed an extension or not. IF I owed taxes, I technically don't have to file an extension but I would be penalized higher for not filing an extension ; BUT if I don't owe taxes, I am not legally obligated to file an extension. HOWEVER ; their letter states that either tax returns OR bank statements are necessary. I DO NOT TRUST them. I DO NOT want them having my bank account information. I sent them my bank statements with my deposits listed but my debits and my account number redacted. I also sent them my XXXX, XXXX, XXXX statements. They do NOT need to see my debits, they only need to see my deposits. That is what their letter asks for. They are also trying to say I have to include my ex-husband on my modification application since his name is still tied to my home loan. He has not lived her since XXXX. My divorce decree from XXXX states that the judge grants me as sole owner of my home. My ex is obsessed with me and since he was XXXX, I have had ZERO contact with him since I kicked him out in XXXX. He only lived here from XXXX to XXXX. I know that XXXX  can modify my loan without him. I have been the sole person who has made 100 % of the payments since day number one. In fact, once my payments are credited properly, I shouldn't have much of a balance left at all. \n\nIn addition to everything that has happened. My mail carrier forged my name on some Certified Letters from the attorney handling this foreclosure. I filed a complaint with the postmaster in my home town. Both the carrier and the postmaster have tried to cover up this fraud. I have a witness that wrote a sworn statement regarding the carrier never exiting their vehicle on the day in question. The postmaster said their XXXX XXXX XXXX shows the carrier never exited their vehicle AND ... ..NOBODY was home when the mail carrier forged my name and left the certified letters in my mailbox. I did not want these letters and I had never gone to the post office to pick them up in the past when the notice was left in my mailbox. I'm sure that a letter carrier forging my name comes with some pretty serious implications. I'm pretty certain this is a federal offense. Now the attorney who sent those letters \" THINKS '' I have received them and read them. I still have not opened them. I will also be filing a complaint with the postmaster General. I asked my local postmaster what the update was today. He said he would find time last week to speak with the carrier after I sent him the sworn statement from a neighbor. He has yet to reply. \n\nMe trying to get this straightened out is not due to lack of trying, it is due to incompetency and lack of follow up from GMAC, OCWEN, XXXX and XXXX. I am a female, XXXX XXXX XXXX and I raised my children all by myself without any help at all. I have been self-employed since XXXX. I work hard XXXX. I have never depended on a man ( or anyone else ) to help me financially. I have experienced GREAT success but also financial hardships. I refuse to lose my home because my interest rate and my payments were never calculated or applied correctly. I am so tired of this corruption and incompetency. I have PROOF of every thing I have said in this statement. I can back everything up. \n\n\nI do not have much time because my foreclosure has been rescheduled to XX/XX/XXXX. Please let me know how we will proceed from this point. \n\nThank You, XXXX XXXX","date_sent_to_company":"2022-06-21T14:55:45.000Z","issue":"Struggling to pay mortgage","sub_product":"Other type of mortgage","zip_code":"83634","tags":null,"has_narrative":true,"complaint_id":"5623510","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2022-06-02T00:56:54.000Z","state":"ID","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Just a collection agent who <em>couldn</em>'t help me. She tried telling me that she <em>couldn</em>'t talk to me unless I <em>verified</em> which two accounts my prior payments had been sent from. I <em>couldn</em>'t understand why she would need to know that. She <em>said</em> <em>because</em> it's a HELOC, she has to <em>verify</em> more than just my name, address, social security number, etc .... I told her my loan is NOT a HELOC and that it's a home ownership accelerator. She <em>said</em> she had never heard of that."]},"sort":[10.683937,"5623510"]},{"_index":"complaint-public-v1","_id":"5722407","_score":10.664856,"_source":{"product":"Mortgage","complaint_what_happened":"I built my home and finance it by myself, in XXXX. I was the sole owner. Against my will, I was coerced ( by XXXX XXXX and XXXX XXXX XXXX of XXXX XXXX XXXX ) into refinancing my home in XXXX of XXXX and adding my Now ex-husband to my loan ( I married him in XXXX of XXXX kicked him out in XXXX, and finalized our divorce in XXXX ). At closing, I paid an additional {$3100.00} to buy my rate down to 0.75 %. My monthly payment should have consisted of 0.75 % ~Margin plus the 30 day Libor rate. They tried to get me to pay even more money to reduce my margin to 0.25 % but I did not have that much extra. As it was, I paid more money to buy my rate down than I wanted to pay. My home loan is known as a XXXX XXXX XXXX XXXX and the payments change monthly based on the interest rate ( Margin ) plus the 30 day Libor. I am now discovering that the reason XXXX wanted my ( now ex-husband ) on my home loan is so they could increase my balance as high as possible so they could get a higher commission. I told them I did not want my balance to be that high, but they insisted it would be better in the long run. Since my very first mortgage payment in XXXX, the interest calculated on my account has been inaccurate. My loan was immediately sold to GMAC XXXX. I contacted XXXX on XX/XX/XXXX and inquired as to when my new lower payments would be taking effect since I bought my rate down and he told me something about pressure on the international markets or something like that. On XX/XX/XXXX, XXXX emailed me and told me my rate fell half a point. I was extremely excited because I though my payments would be significantly lower. However, this was not the case. My payments were still not where I was told they were going to be during the presentation by XXXX XXXX. In XXXX of XXXX, I asked XXXX when I would be receiving a statement from my mortgage company regarding the \" Points '' I paid to buy my rate down. He said it should come in the mail from either GMAC XXXX  or XXXX. I wrote him back on XX/XX/XXXX and told him I found my \" points '' on my closing statement. NOW, looking back at my year end tax statement from GMAC XXXX  in XXXX, they did NOT include the points. At the time, I didn't really pay understand because I did NOT have any idea how that worked. I kicked XXXX out of my home in XXXX because he was abusive to my two young children, but did not file for divorce until XXXX because he refused to accept the fact that we were done. I do not have any children with XXXX. In my divorce decree, the judge awarded me sole ownership of my home. I have been the sole owner and monthly mortgage payer since I had my home built in XXXX. Although I contacted GMAC XXXX  on several occasions to try and find out why my payments were wrong, and why my payments weren't being applied properly, I was never able to get it resolved because nobody was able to figure out how my home loan was supposed to work. It was EXTREMELY frustrating. My monthly balance never seemed to change even though I had paid a significant amount towards the principal. Anything above my interest was to be paid to the principal. I have verification of every single payment I made on this account and it can be supplied if the need arrises. I have paid at least {$150000.00} TOTAL on my home and yet I am somehow facing foreclosure. GMAC XXXX  ( XXXX XXXX XXXX XXXX, AZ XXXX ) declared bankruptcy in XXXX and liquidated their assets in XXXX. I continued making my payments to GMAC even though a company named XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, IA XXXX ) had taken over my home loan from XX/XX/XXXX to XX/XX/XXXX. My Bill Pay from my bank continued to send my payments to GMAC. I was not aware that GMAC was not my servicer anymore until I began researching my home loan timeline for this foreclosure. That is when I saw emails from XXXX. What I have found in my research is that XXXX was found guilty of fraud and numerous other allegations of wrongdoing. From the documents I am able to locate, I paid GMAC and XXXX a total of {$100000.00}. ( this does not include payments to XXXX  and ALLY. These payments were both tied to the same account number. These are the payments I can locate by searching my different payment methods. It could be more than this. During this entire time, I contacted XXXX hundreds of times to try and get my account straightened out. It was so stressful. They just kept giving excuse after excuse and kept saying they would look into it ; but that never happened. And then they were gone! XXXX took over my loan in XXXX of XXXX. It was a nightmare right from the start. My account number changed. Their online system was horrible. Nothing about my home loan looked correct. The payments, the balance, and the odd charges they kept charging my account were not applicable. Their system wouldn't accept payments from me that were less than what they claimed I owed. Prior to that I could make a payment every hour if I wanted. The amount of interest they were charging me was WAY too high. Calling them and trying to get a supervisor was impossible. Nobody knew what type of home loan I had, nor did they understand how to credit any of my payments. I tried telling them my balance was wrong, my interest was wrong and they needed to accept my payments regardless of the amount I tried to pay. They refused to help me. Even charging me a fee to take payments over the phone when their system wouldn't accept my payments. They are horrific and shouldn't even be in business. Then in XXXX of XXXX, XXXX suddenly doubled my monthly payment without any explanation. Even though my payments were not accurate to begin with, the XXXX rate hadn't changed much so my payment shouldn't have doubled. Once again I tried calling to get help but everyone I spoke with was useless. NOBODY knew how to help me. They kept telling me that a supervisor would call me back, but that call never came. It was an endless cycle of lies and deceit. In XXXX my interest only period ended and my payment increased by {$700.00} per month. I was able to keep up on these payments until XXXX of XXXX. I was still trying to get my mortgage balance/payments straightened out and because these payments weren't accurate, my mortgage fell behind. I was owed money from a company who emailed me and said they were going out of business and couldn't pay me. That was a complete blindside. I have several different companies, but that was a huge part of my projected income. So in addition to my payments being higher than they were were supposed to be, I now had to rebuild my companies. Come to find out XXXX was issued a Cease and Desist order for unsafe and unsound practices from the XXXX in XX/XX/XXXX. Then the pandemic hit and I started receiving mortgage statements from a company named ALLY Bank. They held off foreclosures during the pandemic. I spoke with a gentleman in XXXX of XXXX and asked for forbearance. He kept trying to tell me that the loan wasn't mine. I don't know if he was ever convinced that this loan belongs to me but he tried his hardest to tell me that it did not belong to me. He also said that I could only have forbearance for 6 months. That brings me full circle to this moment in time. I am trying to work with ALLY to have them straighten this out. I also have a housing counselor ( XXXX XXXX ) at XXXX XXXX XXXX XXXX XXXX. She can attest to all of the incompetence we are experiencing. We asked for a loss mitigation packet on XX/XX/XXXX. My original sell date was set for XX/XX/XXXX. I did not receive that packet until XX/XX/XXXX. In the interim, I found a previous loss mitigation packet from XXXX ( which I sent to XXXX  but the post office was not able to deliver because they said nobody was at their address in New Jersey ). I emailed ALLY an 8 page hardship letter, along with numerous financial documents etc ... on XX/XX/XXXX. The email I was given to send these documents was XXXX. I received an error from this email \" XXXX '' stating that the documents were too large ( even though they were under 20gigs ). The error message was from XXXX. This was a RED FLAG. Then on XX/XX/XXXX my housing counselor compressed/faxed/emailed all of these documents ( hardship letter which also asked for payment verification along with calculation of interest rate for my loan from XXXX to present, loss mitigation application, divorce decree, XXXX, XXXX, Owner policy Schedule A, and DT. On XX/XX/XXXX, I received an email from the loss mitigation department at Ally telling me the options in lieu of the foreclosure. They also asked me to enroll in their online portal. I started the enrollment process then noticed that the terms and conditions belong to XXXX  XXXX. I also noticed that the terms and conditions included a section that wanted me to give my permission to XXXX XXXX XXXX XXXX XXXX to use, reproduce, adapt, publish, translate, and distribute my user content in any existing or future media, text, images, audio material documents that I submit to the website for whatever purpose they desire. Another RED FLAG. XXXX called on XX/XX/XXXX and spoke with agent XXXX. She had to put XXXX on hold and finally WAS able to locate the documents sent on XX/XX/XXXX. The agent looked over the paperwork and made some suggestions. I complied with her suggestions and XXXX sent ALL the documents once again on XX/XX/XXXX. On XX/XX/XXXX, XXXX called to verify that the documents had been received. The agent told her that there was not an open case yet ; but that the foreclosure/sale date had been pushed out until XX/XX/XXXX. I had not received any notice regarding this so it was a surprise. We still do not know why the date was pushed out. On XX/XX/XXXX we did a three way call which consisted of me, XXXX and XXXX XXXX from ALLY. She informed us that NONE of the documents we had sent were in their system. She said we would have to send everything again. I was so upset. I kept asking her questions and she couldn't answer one single question. I asked to speak with a supervisor and she said this was not possible but that a supervisor would call me back within 24 to 48 hours. I waited all day XX/XX/XXXX and XX/XX/XXXX and no call ever came. I have screenshots of all my calls during this time and they did NOT call me. A supervisor, to this day ( XX/XX/XXXX, ) has never called me back. XXXX sent all of my documents again on XX/XX/XXXX. I received a letter in the mail from ALLY on XX/XX/XXXX dated XX/XX/XXXX, that states they are still missing several documents. This company has now lost all of my documents that were ( rejected XX/XX/XXXX ) sent again XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The missing documents have been sent. On XX/XX/XXXX my phone rang at XXXX. I answered the call and it was ALLY. The person on the line was XXXX XXXX agent number XXXX. This was NOT a supervisor. Just a collection agent who couldn't help me. She tried telling me that she couldn't talk to me unless I verified which two accounts my prior payments had been sent from. I couldn't understand why she would need to know that. She said because it's a HELOC, she has to verify more than just my name, address, social security number, etc .... I told her my loan is NOT a HELOC and that it's a home ownership accelerator. She said she had never heard of that. I proceeded to tell her that the reason for my delinquency was mainly because of fraudulent payment ommissions and miscalculations of payments. She said that I had to contact XXXX and XXXX because ALLY didn't take over my loan until XXXX. She said that XXXX would be impossible to reach so \" good luck ''. I informed her that since they now own my loan, they will have access to all of the information attached to my loan since its inception. I told her I wrote and asked for verification of my payments and calculation of my payments when I sent my hardship letter in on several different occasions. She said she didn't see those documents in her system. I told her they had FIVE Days to acknowledge receipt of my request ( this has not happened ). She said that documents get lost all of the time and I would just have to continue sending them. ( THIS IS RECORDED ON HER END SO YOU CAN VERIFY ALL OF THIS ). I was absolutely floored when she told me that they lose documents all the time. I believe they are trying to prevent me from getting my loan modified by losing my paperwork and telling me requirements that aren't true. That's unethical and not acceptable. XXXX XXXX did tell me that she would put in a request for verification of my payments made and calculation of my payments. In addition to the fraud, I also told her that my delinquency was due to financial hardship. I told her that we had sent in ALL of the documents that had been asked for and she said she would email the loss mitigation department to find out why they are still saying I have missing documents. XXXX called ALLY again in the afternoon of XX/XX/XXXX. She wanted to follow up with them regarding my conversation with XXXX XXXX. She was informed that the request for verification had been sent but they also told XXXX they have received the missing documents ( XX/XX/XXXX ) ; but will not accept my documents because I have redacted a portion of my bank statements and my taxes are expired. According to the letter I received from them, they only need to see my deposits. That is what I provided. They also said to provide my most current filed tax return ( which it's XXXX ). I filed my tax returns on XX/XX/XXXX. They want me to provide the extension I filed for this year. I have done taxes for 33 years and I know for a FACT that I do NOT have to file an extension unless I owe taxes. And even then, I have until XX/XX/XXXX of XXXX to file my tax return regardless of if I filed an extension or not. IF I owed taxes, I technically don't have to file an extension but I would be penalized higher for not filing an extension ; BUT if I don't owe taxes, I am not legally obligated to file an extension. HOWEVER ; their letter states that either tax returns OR bank statements are necessary. I DO NOT TRUST them. I DO NOT want them having my bank account information. I sent them my bank statements with my deposits listed but my debits and my account number redacted. I also sent them my XXXX, XXXX, XXXX statements. They do NOT need to see my debits, they only need to see my deposits. That is what their letter asks for. They are also trying to say I have to include my ex-husband on my modification application since his name is still tied to my home loan. He has not lived her since XXXX. My divorce decree from XXXX states that the judge grants me as sole owner of my home. My ex is obsessed with me and since he was abusive, I have had ZERO contact with him since I kicked him out in XXXX. He only lived here from XXXX to XXXX. I know that ALLY can modify my loan without him. I have been the sole person who has made 100 % of the payments since day number one. In fact, once my payments are credited properly, I shouldn't have much of a balance left at all. In addition to everything that has happened. My mail carrier forged my name on some Certified Letters from the attorney handling this foreclosure. I filed a complaint with the postmaster in my home town. Both the carrier and the postmaster have tried to cover up this fraud. I have a witness that wrote a sworn statement regarding the carrier never exiting their vehicle on the day in question. The postmaster said their GPS tracking system shows the carrier never exited their vehicle AND ... ..NOBODY was home when the mail carrier forged my name and left the certified letters in my mailbox. I did not want these letters and I had never gone to the post office to pick them up in the past when the notice was left in my mailbox. I'm sure that a letter carrier forging my name comes with some pretty serious implications. I'm pretty certain this is a federal offense. Now the attorney who sent those letters \" THINKS '' I have received them and read them. I still have not opened them. I will also be filing a complaint with the postmaster General. I asked my local postmaster what the update was today. He said he would find time last week to speak with the carrier after I sent him the sworn statement from a neighbor. He has yet to reply. Me trying to get this straightened out is not due to lack of trying, it is due to incompetency and lack of follow up from XXXX, XXXX, XXXX  and ALLY. I am a female, self employed entrepreneur, and I raised my children all by myself without any help at all. I have been self-employed since XXXX. I work hard 24/7. I have never depended on a man ( or anyone else ) to help me financially. I have experienced GREAT success but also financial hardships. I refuse to lose my home because my interest rate and my payments were never calculated or applied correctly. I am so tired of this corruption and incompetency. I have PROOF of every thing I have said in this statement. I can back everything up. I do not have much time because my foreclosure has been rescheduled to XX/XX/XXXX. It was previously scheduled for XX/XX/XXXX, then XX/XX/XXXX. It keeps getting pushed out. \n\nYesterday ( XX/XX/XXXX ) I received a notice from CFPB.. That notice was from XXXX who acquired XXXX. In their statement, they claim they have no record of my mortgage. They want me to provide them with information regarding my mortgage. I am not going to make their job easy. They sent me emails, and also reported my mortgage to the credit bureau so they should absolutely have record of it. The fact that they can't find record of it is very concerning. This just goes to show that they must not have record of all the payments I made to them. \n\nI spoke with my housing counselor today. She informed me that she spoke with ALLY yesterday ( XX/XX/XXXX ) and was told that they closed my loss mitigation application but could not provide a reason why. My counselor was told that I have to begin the process all over again. They told me to call on Friday and ask why it's closed. This level of incompetency is unacceptable. They need to be investigated for fraud and be shut down for incompetency. \n\nXXXX XXXX","date_sent_to_company":"2022-06-29T19:19:03.000Z","issue":"Struggling to pay mortgage","sub_product":"Other type of mortgage","zip_code":"83634","tags":null,"has_narrative":true,"complaint_id":"5722407","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2022-06-29T18:51:06.000Z","state":"ID","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":["Just a collection agent who <em>couldn</em>'t help me. She tried telling me that she <em>couldn</em>'t talk to me unless I <em>verified</em> which two accounts my prior payments had been sent from. I <em>couldn</em>'t understand why she would need to know that. She <em>said</em> <em>because</em> it's a HELOC, she has to <em>verify</em> more than just my name, address, social security number, etc .... I told her my loan is NOT a HELOC and that it's a home ownership accelerator. She <em>said</em> she had never heard of that."]},"sort":[10.664856,"5722407"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":15,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":15}]}},"product":{"doc_count":15,"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":9,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":9}]}},{"key":"Mortgage","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other type of mortgage","doc_count":3}]}},{"key":"Credit card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":1}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":1}]}},{"key":"Debt collection","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":1}]}}]}},"issue":{"doc_count":15,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account information incorrect","doc_count":4},{"key":"Public record information inaccurate","doc_count":2},{"key":"Account status incorrect","doc_count":1}]}},{"key":"Struggling to pay mortgage","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with personal statement of dispute","doc_count":1},{"key":"Their investigation did not fix an error on your report","doc_count":1}]}},{"key":"Attempts to collect debt not owed","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":1}]}},{"key":"Other features, terms, or problems","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":1}]}}]}},"timely":{"doc_count":15,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":15}]}},"company_response":{"doc_count":15,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":10},{"key":"Closed with non-monetary relief","doc_count":4},{"key":"Closed with monetary relief","doc_count":1}]}},"submitted_via":{"doc_count":15,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":15}]}},"company":{"doc_count":15,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":5},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":2},{"key":"Experian Information Solutions Inc.","doc_count":2},{"key":"Ocwen Financial Corporation","doc_count":2},{"key":"ALLY FINANCIAL INC.","doc_count":1},{"key":"Cascade CISS Holdings, LLC","doc_count":1},{"key":"EQUIFAX, INC.","doc_count":1},{"key":"SYNCHRONY FINANCIAL","doc_count":1}]}},"state":{"doc_count":15,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"MO","doc_count":5},{"key":"ID","doc_count":3},{"key":"AZ","doc_count":2},{"key":"CA","doc_count":2},{"key":"AL","doc_count":1},{"key":"MI","doc_count":1},{"key":"OH","doc_count":1}]}},"company_public_response":{"doc_count":15,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":9}]}},"tags":{"doc_count":15,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Older American, Servicemember","doc_count":2},{"key":"Servicemember","doc_count":2}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-15T12:00:00-05:00","last_indexed":"2026-07-15T12:00:00-05:00","total_record_count":16469162,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}