{"took":371,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":119,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"1585427","_score":18.508118,"_source":{"product":"Debt collection","complaint_what_happened":"Complaint is against US West Collections, XXXX XXXX XXXX, XXXX AZ, XXXXFirst, a judgment was obtained against my spouse, XX/XX/XXXX, which was paid in full via garnishment of her wages, and a release of judgment was obtained. However, upon my spouse filing Ch. XXXX Bankruptcy XX/XX/XXXX, the Trustee demanded that the monies be returned. \n\nXXXX XXXX and XXXX XXXX XXXX were included as creditors in my spouse 's Ch. XXXX Bankruptcy, and the total of those debts were discharged, including the full amount of {$7400.00} they claim is owed ( copy of discharge attached ). However, this debt was referred to US Collections West. \n\nUS West Collections obtained a judgment against me, separately, after the above debts had been discharged through my spouse 's bankruptcy, and garnished my wages from XXXX, XXXX XXXX XXXX. This judgment was satisfied XX/XX/XXXX XXXX copy attached ). \n\nIt has since come to my attention that US West Collections is improperly reporting this debt on my credit report. Furthermore, after consulting with my attorney, US West Collections may have illegally garnished my wages and committed a stay violation for the previously discharged community debt through my spouse 's Ch. XXXX Bankruptcy. It is illegal to attempt to collect a debt post-discharge, and as Arizona is a community property state, each spouse has a 100 % interest in the other spouse 's assets, including income. This is referred to as a \" phantom discharge '', and can be found in the Federal Bankruptcy Codes XXXX XXXX XXXX and XXXX XXXX XXXX. In addition, the copy of the enclosed discharge also states that collection of discharged debts from community property are prohibited and the violator may be required to pay damages and attorney 's fees to the debtor. \n\nThis has caused denial of credit and potentially denial of a mortgage for not only myself, but my spouse separately.","date_sent_to_company":"2015-09-29T21:51:47.000Z","issue":"Cont'd attempts collect debt not owed","sub_product":"Other (i.e. phone, health club, etc.)","zip_code":"85296","tags":null,"has_narrative":true,"complaint_id":"1585427","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. Collections West, Inc.","date_received":"2015-09-29T21:51:47.000Z","state":"AZ","company_public_response":null,"sub_issue":"Debt was discharged in bankruptcy"},"highlight":{"complaint_what_happened":["XXXX <em>Bankruptcy</em>, and the <em>total</em> of those debts were discharged, including the full amount of {$7400.00} they claim is owed ( copy of discharge attached ). However, this debt was referred to US <em>Collections</em> West. \n\nUS West <em>Collections</em> obtained a judgment against me, separately, after the above debts had been discharged through my spouse 's <em>bankruptcy</em>, and garnished my wages from XXXX, XXXX XXXX XXXX. This judgment was satisfied XX/XX/XXXX XXXX copy attached )."],"product":["Debt <em>collection</em>"],"company":["<em>Collections</em> West, Inc."],"sub_issue":["Debt was discharged in <em>bankruptcy</em>"]},"sort":[18.508118,"1585427"]},{"_index":"complaint-public-v1","_id":"3034136","_score":17.689125,"_source":{"product":"Mortgage","complaint_what_happened":"My property at XXXX XXXX XXXX, XXXX, CA XXXX is serviced by Ditech Financial. XXXX XXXX  XXXX, my originator, sold this loan while I was in a confirmed plan with XXXX XXXX Bankruptcy Court, a clear violation. They sold my loan without identifying that the property was included in a Chapter XXXX Reorganization - with a Debtor in Possession status. \n\nI have received a Demand for {$68000.00} for erroneous accrued mortgage payments from Ditech. \n\nI have received a threatening letter from Ditech 's attorney entitled \" Notice of Appearance and Request to Receive Notices '' which is attached, enjoining the US Trustee, XXXX, CA and my Bankruptcy attorney of record. Then I received a letter entitled \" Notice of Sale of Ownership of Mortgage Loan by XXXX XXXX XXXX XXXX, also attached. \n\nMy letter response to Ditech 's attorney 's is a Cease & Desist and addresses the payments made and confirmation status and to stop this harmful and illegal collection, a clear violation of the Confirmed Plan and federal bankruptcy laws. \n\nUpon further examination, these correspondence look like scams, and as a victim of illegal foreclosure, I am both, compelled to respond but also I am skeptical of the validity of these threats, backed up by Internet content that says specifically XXXX is a total scam. \n\nI am filing this complaint to put XXXX XXXX on notice, to Cease & Desist this illegal collection and violation of my confirmed plan, to get their attorney under control and to provide me compliant accurate loan accounting. Furthermore, this complaint seeks to expose the action by XXXX XXXX XXXX XXXX and demands I receive my official mortgage agreement that identifies the legal mortgage holder, terms of the loan, and appropriate adjustments on the loan as a result of the Chapter XXXX confirmed plan terms. \n\nThis all looks like a set-up for illegal foreclosure.","date_sent_to_company":"2018-10-01T04:19:26.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"94526","tags":null,"has_narrative":true,"complaint_id":"3034136","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ditech Financial LLC","date_received":"2018-10-01T03:06:28.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["My letter response to Ditech 's attorney 's is a Cease & Desist and addresses the payments made and confirmation status and to stop this harmful and <em>illegal</em> <em>collection</em>, a clear violation of the Confirmed Plan and federal <em>bankruptcy</em> laws."]},"sort":[17.689125,"3034136"]},{"_index":"complaint-public-v1","_id":"7802904","_score":17.663631,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TransUnion on going violation ( s ) of my rights according to the Fair Credit Report Act ( FCRA ) of proper and accurate reporting of information. These violation ( s ) of the Fair Credit Reporting Act ( FCRA ), abuse of the law, and total disregard of the to ignore the law is going on six ( 6 ) months. TransUnion on going of reporting illegal information of a Bankruptcy on my TransUnion Credit Report. Violates all section ( s ) of the Fair Credit Reporting Act ( FCRA ). TransUnion has denied my every attempt of using the law to prove my right ( s ) according to the Fair Credit Reporting Act ( FCRA ). TransUnion is acting as if they are bigger than the Fair Credit Reporting Act ( FCRA ) that governs them. TransUnion has ignored and disregarded my dispute of : 1. Accuracy and Relevance of Information FCRA Section 1681b : The reporting of the bankruptcy is not only inaccurate but also illegal. FCRA Section 1681b requires accurate and fair credit reporting.\n\n2. Permanent Removal of Bankruptcy Reporting : Permanently remove the bankruptcy reporting from my credit report, in accordance with FCRA Sections 1681g, 1681b, 605 ( a ) ( 5 ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 2 ), and FDCPA provisions related to accurate and fair credit reporting. \n\n3. Illegal Reporting FCRA Section 1681g : The bankruptcy is being reported in violation of FCRA Section 1681g, which prohibits the reporting of bankruptcies that antedate the report.\n\n4. Deletion of Inaccurate Information FCRA Section 611 ( a ) ( 1 ) ( A ) : I demand the prompt correction and removal of the inaccurately reported bankruptcy, as per FCRA Section 611 ( a ) ( 1 ) ( A ).\n\n5. Fair Debt Collection Practices FDCPA : The continued reporting of this bankruptcy is misleading and may negatively impact my creditworthiness, potentially violating fair debt collection practices as outlined in the FDCPA.","date_sent_to_company":"2023-11-04T13:58:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21208","tags":null,"has_narrative":true,"complaint_id":"7802904","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-11-04T13:07:22.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["<em>Illegal</em> Reporting FCRA Section 1681g : The <em>bankruptcy</em> is being reported in violation of FCRA Section 1681g, <em>which</em> prohibits the reporting of <em>bankruptcies</em> that antedate the report.\n\n4. Deletion of Inaccurate Information FCRA Section 611 ( a ) ( 1 ) ( A ) : I demand the prompt correction and removal of the inaccurately reported <em>bankruptcy</em>, as per FCRA Section 611 ( a ) ( 1 ) ( A ).\n\n5."]},"sort":[17.663631,"7802904"]},{"_index":"complaint-public-v1","_id":"7802444","_score":17.40824,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax on going violation ( s ) of my rights according to the Fair Credit Report Act ( FCRA ) of proper and accurate reporting of information. These violation ( s ) of the Fair Credit Reporting Act ( FCRA ), abuse of the law, and total disregard of the law to ignore the law is going on six ( 6 ) months. Equifax on going of reporting illegal information of a Bankruptcy on my Equifax Credit Report. Violates all section ( s ) of the Fair Credit Reporting Act ( FCRA ). Equifax has denied my every attempt of using the law to prove my right ( s ) according to the Fair Credit Reporting Act ( FCRA ). Equifax has re-reported the same exact account name and account number that was previously Deleted, Removed, and Block. That is a clear violation of the Fair Credit Reporting Act ( FCRA ). Equifax is acting as if they are bigger than the Fair Credit Reporting Act ( FCRA ) that governs them. Equifax has ignored and disregarded my dispute ( s ) of : 1. Accuracy and Relevance of Information FCRA Section 1681b : The reporting of the bankruptcy is not only inaccurate but also illegal. FCRA Section 1681b requires accurate and fair credit reporting.\n\n2. Permanent Removal of Bankruptcy Reporting : Permanently remove the bankruptcy reporting from my credit report, in accordance with FCRA Sections 1681g, 1681b, 605 ( a ) ( 5 ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 2 ), and FDCPA provisions related to accurate and fair credit reporting.\n\n3. Illegal Reporting FCRA Section 1681g : The bankruptcy is being reported in violation of FCRA Section 1681g, which prohibits the reporting of bankruptcies that antedate the report.\n\n4. Deletion of Inaccurate Information FCRA Section 611 ( a ) ( 1 ) ( A ) : I demand the prompt correction and removal of the inaccurately reported bankruptcy, as per FCRA Section 611 ( a ) ( 1 ) ( A ).\n\n5. Fair Debt Collection Practices FDCPA : The continued reporting of this bankruptcy is misleading and may negatively impact my creditworthiness, potentially violating fair debt collection practices as outlined in the FDCPA.","date_sent_to_company":"2023-11-04T14:10:17.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21208","tags":null,"has_narrative":true,"complaint_id":"7802444","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-11-04T13:59:02.000Z","state":"MD","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["<em>Illegal</em> Reporting FCRA Section 1681g : The <em>bankruptcy</em> is being reported in violation of FCRA Section 1681g, <em>which</em> prohibits the reporting of <em>bankruptcies</em> that antedate the report.\n\n4. Deletion of Inaccurate Information FCRA Section 611 ( a ) ( 1 ) ( A ) : I demand the prompt correction and removal of the inaccurately reported <em>bankruptcy</em>, as per FCRA Section 611 ( a ) ( 1 ) ( A ).\n\n5."]},"sort":[17.40824,"7802444"]},{"_index":"complaint-public-v1","_id":"4172329","_score":16.941761,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX, I submitted a Dispute with Experian regarding incorrect information from the creditor XXXX on my Credit Report. On XX/XX/XXXX XXXX illegally opened an account, and then reported the Debt included in or discharged through Bankruptcy Chapter XXXX. This Account was Not included in my Bankruptcy. Then on XXXX, XXXX XXXX placed a Collections Status on my Credit Report, and another Negative Status on XX/XX/XXXX, even though the Account Status was Closed and there was no Usage, Balance or Payment History. Experian however rejecting my Dispute, and as a result my Credit Score has decreased significantly. \n\nOn XX/XX/XXXX, through XX/XX/XXXX, I was shopping for a Car Loan, and had 8 total Hard Inquires during that 17 days timeline. Experian, currently listed all 8 Inquiries separately on my Credit Report, and does not allow for an Online Dispute to correct. As a result, my Credit Score currently lists 10 Inquires, which is significantly more damaging then the 3 it should reflect.","date_sent_to_company":"2021-02-28T21:16:38.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"29926","tags":null,"has_narrative":true,"complaint_id":"4172329","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-02-28T20:13:12.000Z","state":"SC","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":["On XX/XX/XXXX XXXX <em>illegally</em> opened an account, and then reported the Debt included in or discharged through <em>Bankruptcy</em> Chapter XXXX. This Account was Not included in my <em>Bankruptcy</em>. Then on XXXX, XXXX XXXX placed a <em>Collections</em> Status on my Credit Report, and another Negative Status on XX/XX/XXXX, even though the Account Status was Closed and there was no Usage, Balance or Payment History. Experian however rejecting my Dispute, and as a result my Credit Score has decreased significantly."]},"sort":[16.941761,"4172329"]},{"_index":"complaint-public-v1","_id":"5913061","_score":16.58163,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am a victim of unlawful, deceitful, and inaccurate debt collection by Navient. I received a collection letter stating I was overdue on XX/XX/XXXX. On XX/XX/XXXX I received a notice from XXXX that my credit score had dropped 126 points due to the negative reporting Navient had communicated to the credit bureaus. \n\nThe debts Navient, formerly known as Sallie Mae XXXX XXXX, are illegally trying to collect on and inaccurately reporting were discharged in my bankruptcy case as of XX/XX/XXXX. Per my attached documentation from the bankruptcy court of Colorado, the trustee, and my lawyer ; the accounts under Navient were included within my discharge. On page 4 of the attached documents to this complaint, you can clearly see the Navient loans were included in my bankruptcy filing and discharged. I am a victim of Navient continuously breaking collection laws, FCRA and my rights by trying to collect on discharged debt. They have been found guilty of these collection violations in court but are continuing to conduct illegal practices. They also chose to report inaccurate delinquency while the Biden administration forbid loan organizations to collect on and report negative information. As of XX/XX/XXXX the Bident administration put in to order loan forgiveness and cease of negative reporting. \n\nI never received any written or verbal communication from Navient/Sallie Mae XXXX XXXX from the time my bankruptcy was petitioned to well after it was discharged and cleared from the court. This company has the technology to verify my current address in order to send me a letter stating Im overdue, however they did not send me written or verbal communication prior to them reporting me delinquent. I never received a letter or bill/statement trying to obtain payment or attempt contact to warn me. Had they tried, I would have contacted them immediately to dispute their illegal attempt to collect on a discharged debt. The letter they sent me ( attached ) also inaccurately provides details of the amounts due. They dont have the required billing information that financial institutions are legally required to provide ( Regulation Z ). They provide very little loan information, but no historical proof as to how the total balances are calculated. How can a consumer trust the amounts with no explanation?! \n\nIve worked extremely hard to correct my credit after attending college. I had to file bankruptcy because repaying student loans at the rates/fees Navient required made it impossible to get ahead. After my bankruptcy discharged, I did everything right to go from fair credit to very good credit within a few years and I was finally able to TRY to buy my first home, but Navient/Sallie Mae completely took that away from me overnight. This company will not talk to people on the phone who are disputing their collection practices. They tell you to mail in documentation to a po box , at which point they may or may not receive it. They also dont have an alternative mailing address that accepts expedited/certified letters so people can track their personal documents. \n\nI am asking for help from the CFPB to make this right. Navient will not help consumers. They neglected to contact me before reporting me negative to the bureaus, neglecting me of my right to dispute this. I am asking for Navient to stop reporting negative information because it is simply inaccurate. They should have stopped reporting to the credit bureaus as of the date of my bankruptcy discharge : XX/XX/XXXX. I demand Navient to immediately correct my credit reporting in order to correct my credit score they illegally destroyed. Navient needs to correct the credit reporting or remove it entirely. If my credit isnt corrected, my lawyer will take the next necessary steps to take action. It isnt right that Navient is still getting away with illegal debt collection practices. I paid my debts to the best of my ability then filed bankruptcy because that was my final option. I did everything I was required and obtained my discharge. Now Navient needs to follow the rules, correct their wrong doing and fix my credit that they broke.","date_sent_to_company":"2022-08-24T18:10:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"80129","tags":null,"has_narrative":true,"complaint_id":"5913061","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2022-08-24T18:00:16.000Z","state":"CO","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I am a victim of unlawful, deceitful, and inaccurate debt <em>collection</em> by Navient. I received a <em>collection</em> letter stating I was overdue on XX/XX/XXXX. On XX/XX/XXXX I received a notice from XXXX that my credit score had dropped 126 points due to the negative reporting Navient had communicated to the credit bureaus. \n\nThe debts Navient, formerly known as Sallie Mae XXXX XXXX, are <em>illegally</em> trying to collect on and inaccurately reporting were discharged in my <em>bankruptcy</em> case as of XX/XX/XXXX."]},"sort":[16.58163,"5913061"]},{"_index":"complaint-public-v1","_id":"3326028","_score":16.248705,"_source":{"product":"Debt collection","complaint_what_happened":"In XX/XX/XXXX XXXX credit card services experienced a system data breach. My credit card account was one of many accounts hacked, and fraudulent charges were made on my account. XX/XX/XXXX closed my account, and I was told, I owed nothing, because of the fraud. XX/XX/XXXX eventually sold this account, as junk debt to Midland Funding, LLC. In XX/XX/XXXX, I began receiving notice via U.S. postal mail collection letters from Midland Funding, LLC, demanding payment of the $XXXX balance, that was cancelled by XXXX XXXX, because of the fraudulent activity. I explained to Midland Funding, LLC representatives, that I did not owe the balance, due to the fraudulent activity, that XXXX closed the account, and waived the balance due to fraud. Midland funding, LLC went through a local small court to get a Default judgement on the account in XXXX XXXX. I sent Midland Funding, LLC a cease and desist communication notice with respect to the debt, because I did not owe the debt, and was not going to pay.In XX/XX/XXXX, the Consumer Financial Protection Bureau, entered into a consent order with Encore Capital, which Midland Funding, LLC, is a mentioned subsidiary of Encore Capital in the consent order, which required Encore Capital, and it's subsidiaries to refund payments, or stop collection efforts on credit card accounts, that were disputed by target debtors, and subject to illegal debt collection tactics.Midland funding, LLC is still using illegal and deceptive collection tactics to try and collect this debt under the default judgement from XX/XX/XXXX. Midland Funding, is underhandedly using employment, and payroll services like XX/XX/XXXX/ XXXX XXXX XXXX, to find my current employer, and use underhanded, as well as questionable tactics to implement payroll garnishment of my wages. The amount Midland Funding, LLC, is now trying to collect $ XXXX based on the XX/XX/XXXX, default judgement on this account. This is totally wrong. I do not want to have to file bankruptcy, just because of a breached data system account, that incurred fraudulent activity, because of the data breach, that XXXX   XXXX dismissed because of the fraudulent activity. I definitely, can not afford a wage garnishment of 25% of my disposable wages, which would force me to file bankruptcy, the stop a garnishment. I need your help, in getting Encore Capital / Midland Funding, LLC to abide by the consent order, which required them to refund payments, and cease collection efforts on these disputed credit card accounts, using illegal debt collection tactics.","date_sent_to_company":"2019-08-01T15:46:54.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"70454","tags":"Servicemember","has_narrative":true,"complaint_id":"3326028","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2019-08-01T14:34:31.000Z","state":"LA","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["I need your help, in getting Encore Capital / Midland Funding, LLC to abide by the consent order, <em>which</em> required them to refund payments, and cease <em>collection</em> efforts on these disputed credit card accounts, using <em>illegal</em> debt <em>collection</em> tactics."],"product":["Debt <em>collection</em>"]},"sort":[16.248705,"3326028"]},{"_index":"complaint-public-v1","_id":"15144305","_score":16.149536,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"My vehicle was repossessed in XX/XX/year>. I literally had a payment set for XX/XX/year> and paid in XXXX and the car was repossessed three days prior to my payment so they cancelled the payment. I was out of work with no income no unemployment etc for 9 months struggling and still borrowed money to pay bill. The same day they repossessed my car I literally called and asked what can I do to get truck back I was advised pay the total amount due nothing less and send insurance to repo department. I asked if theres was any payment plans I could do if I have a portion o I was advised no. Fast forward to XXXX or XXXX I called back again and said are you sure theres nothing I can do to get the truck back like pay a big portion and set a plan for the remaining I was told no you can only pay the full Amount not once was I told to just make any payment I was told not to make anything unless its the full amount. I use to work in collection and banks for this so they can foreclose or sell the car and show you never tried to pay and I actually did which should be totally illegal. Fast forward to XXXX the car is sold for way less than of I owed for XXXX and I owed over XXXX. I felt this was so disrespectful as I paid for that car for three years when I had a job. Now guess what they are ready to talk about the deficiency I advised I make way less in my salary and now I have to pay student loans due to the new administration. I can only pay a portion of my original payment as I now have to get a new car. They even asked how will you make payments I said get a second job because clearly I even have to do this to pay my student loans these days. They run this program and guess what I was told because I had not made payments since XXXX lol I cant get payments lowered or a payment plan for the deficiency remember the truck gone. I said wait I was told only payment I could make was the total amount and they even agreed to cancel my XXXX payment because they said it wasnt enough I have proof of the cancellation. Their collection department and activity is egregious and purposely seek to damage your image and credit and force you into bankruptcy and it should be illegal as I called them three or four times to work this account out to be told now that because I didnt make the payment I was told not to make I cant pay the deficiency at a lower amount which will now force me into bankruptcy to protect myself which should be illegal. They are a total fraud and have been sued many times I am seeking to discuss legally also this is shameful for individuals like myself that lost it all due to loosing a job. \n\nIf a bank is purposely refusing to accept your payment to submit a bad review to your credit report, this could be considered a violation of your rights under the Fair Credit Reporting Act ( FCRA ). The FCRA ensures that credit reporting is fair and accurate.","date_sent_to_company":"2025-08-07T20:04:40.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"30097","tags":null,"has_narrative":true,"complaint_id":"15144305","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-08-07T19:42:05.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Deficiency balance after repossession"},"highlight":{"complaint_what_happened":["Their <em>collection</em> department and activity is egregious and purposely seek to damage your image and credit and force you into <em>bankruptcy</em> and it should be <em>illegal</em> as I called them three or four times to work this account out to be told now that because I didnt make the payment I was told not to make I cant pay the deficiency at a lower amount <em>which</em> will now force me into <em>bankruptcy</em> to protect myself <em>which</em> should be <em>illegal</em>."]},"sort":[16.149536,"15144305"]},{"_index":"complaint-public-v1","_id":"4149946","_score":15.659372,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have submitted my Chapter XXXX Discharge paperwork NUMEROUS TIMES!!! Due to an injury, I am NO LONGER ABLE to work. Under my chapter XXXX, I lost my business, my retirement, everything I had and the judge declared by case to be a hardship case and ruled that even the student loan to XXXX was discharged. XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, had reported to all the credit bureaus as CLOSED/CHAPTER XXXX BANKRUPTCY. \n\n2 years later, they decide to pass it off AFTER BANKRUPTCY to a XXXX  for \" collection '', which is totally ILLEGAL! Now, both XXXX AND XXXX  are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE! \n\nI am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am about to file a law suit against them and I will drag in every doctor, judge and person I know for the pain and infliction these companies are causing to my credit. I have had ENOUGH! \n\nHOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? \n\nPLEASE!!! LOOK at the attachments! THE DISCHARGE PAPER FROM THE COURT is CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!!","date_sent_to_company":"2021-02-18T23:49:40.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"99504","tags":null,"has_narrative":true,"complaint_id":"4149946","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-02-18T23:44:55.000Z","state":"AK","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, had reported to all the credit bureaus as CLOSED/CHAPTER XXXX <em>BANKRUPTCY</em>. \n\n2 years later, they decide to pass it off AFTER <em>BANKRUPTCY</em> to a XXXX  for \" <em>collection</em> '', <em>which</em> is <em>totally</em> <em>ILLEGAL</em>! Now, both XXXX AND XXXX  are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE!"]},"sort":[15.659372,"4149946"]},{"_index":"complaint-public-v1","_id":"4149876","_score":15.657566,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have submitted my Chapter XXXX Discharge paperwork NUMEROUS TIMES!!! Due to an injury, I am NO LONGER ABLE to work. Under my chapter XXXX, I lost my XXXX, my retirement, everything I had and the judge declared by case to be a hardship case and ruled that even the student loan to XXXX was discharged. XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, had reported to all the credit bureaus as CLOSED/CHAPTER XXXX BANKRUPTCY. \n\n2 years later, they decide to pass it off AFTER BANKRUPTCY to a PHEAA for \" collection '', which is totally ILLEGAL! Now, both PHEAA AND XXXX  are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE! \n\nI am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am about to file a law suit against them and I will drag in every doctor, judge and person I know for the pain and infliction these companies are causing to my credit. I have had ENOUGH! \n\nHOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? \nPLEASE!!! LOOK at the attachments! THE DISCHARGE PAPER FROM THE COURT is CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!!","date_sent_to_company":"2021-02-18T23:44:11.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"99504","tags":null,"has_narrative":true,"complaint_id":"4149876","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AES/PHEAA","date_received":"2021-02-18T23:44:08.000Z","state":"AK","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, had reported to all the credit bureaus as CLOSED/CHAPTER XXXX <em>BANKRUPTCY</em>. \n\n2 years later, they decide to pass it off AFTER <em>BANKRUPTCY</em> to a PHEAA for \" <em>collection</em> '', <em>which</em> is <em>totally</em> <em>ILLEGAL</em>! Now, both PHEAA AND XXXX  are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE!"]},"sort":[15.657566,"4149876"]},{"_index":"complaint-public-v1","_id":"4149875","_score":15.654896,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have submitted my Chapter XXXX Discharge paperwork NUMEROUS TIMES!!! Due to an injury, I am NO LONGER ABLE to work. Under my chapter XXXX, I lost my business, my retirement, everything I had and the judge declared by case to be a hardship case and ruled that even the student loan to XXXX was discharged. XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, had reported to all the credit bureaus as CLOSED/CHAPTER XXXX BANKRUPTCY. \n\n2 years later, they decide to pass it off AFTER BANKRUPTCY to a XXXX  for \" collection '', which is totally ILLEGAL! Now, both XXXX AND XXXX  are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE! \n\nI am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am about to file a law suit against them and I will drag in every doctor, judge and person I know for the pain and infliction these companies are causing to my credit. I have had ENOUGH! \n\nHOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? \n\nPLEASE!!! LOOK at the attachments! THE DISCHARGE PAPER FROM THE COURT is CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!!","date_sent_to_company":"2021-02-18T23:44:11.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"99504","tags":null,"has_narrative":true,"complaint_id":"4149875","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-02-18T23:44:08.000Z","state":"AK","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":["XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, had reported to all the credit bureaus as CLOSED/CHAPTER XXXX <em>BANKRUPTCY</em>. \n\n2 years later, they decide to pass it off AFTER <em>BANKRUPTCY</em> to a XXXX  for \" <em>collection</em> '', <em>which</em> is <em>totally</em> <em>ILLEGAL</em>! Now, both XXXX AND XXXX  are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE!"]},"sort":[15.654896,"4149875"]},{"_index":"complaint-public-v1","_id":"4149866","_score":15.654896,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have submitted my Chapter XXXX Discharge paperwork NUMEROUS TIMES!!! Due to an injury, I am NO LONGER ABLE to work. Under my chapter XXXX, I lost my business, my retirement, everything I had and the judge declared by case to be a hardship case and ruled that even the student loan to NAVIENT was discharged. NAVIENT was aware and, as indicated in the paperwork I am RESUBMITTING, had reported to all the credit bureaus as CLOSED/CHAPTER XXXX BANKRUPTCY. \n\n2 years later, they decide to pass it off AFTER BANKRUPTCY to a XXXX for \" collection '', which is totally ILLEGAL! Now, both XXXX AND NAVIENT are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE! \n\nI am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am about to file a law suit against them and I will drag in every doctor, judge and person I know for the pain and infliction these companies are causing to my credit. I have had ENOUGH! \n\nHOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? \n\nPLEASE!!! LOOK at the attachments! THE DISCHARGE PAPER FROM THE COURT is CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!!","date_sent_to_company":"2021-02-18T23:44:04.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"99504","tags":null,"has_narrative":true,"complaint_id":"4149866","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2021-02-18T23:21:57.000Z","state":"AK","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["NAVIENT was aware and, as indicated in the paperwork I am RESUBMITTING, had reported to all the credit bureaus as CLOSED/CHAPTER XXXX <em>BANKRUPTCY</em>. \n\n2 years later, they decide to pass it off AFTER <em>BANKRUPTCY</em> to a XXXX for \" <em>collection</em> '', <em>which</em> is <em>totally</em> <em>ILLEGAL</em>! Now, both XXXX AND NAVIENT are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE!"]},"sort":[15.654896,"4149866"]},{"_index":"complaint-public-v1","_id":"6820433","_score":15.401088,"_source":{"product":"Debt collection","complaint_what_happened":"Previously I have filed recent complaints about this collection company : Universal Recovery Corporation. They have been notified through the Federal Bankruptcy Courts, Myself, and my attorney, and most recently they have been notified yet on two More occasions through this complaint portal that I HAVE FILED FOR A BANKRUPTCY OF WHICH THIS COMPANY HAS BEEN NAMED AS ONE OF THE CREDITORS AND THUS THEYCANNOT COLLECT ON ANY DEBT IN WHICH THERE IS AN ACTIVE BANKRUPTCY STAY AND/OR ARE GETTING PAID THROPUGH THE BANKRUPTCY TRUSTEE AS HE SEES FIT TO DO AND IS COMPLETELY UP TO HIS DISCRETION AS TO WHO HE WILL PAY AND HPOW MUCH HE WILL PAY THEM. This is a very simple and known fact throughout the credit and finance world and even in the collection industry world as well. Yet, URC ( Universal Recovery Corporation ) has repeatedly and knowingly done just the opposite of what our Federal Laws allow them to do while I am under the Courts Protection and has ordered an active stay. They have acknowledged through this portal in fact that they are aware of my bankruptcy status yet they continue to violate many Federal Laws regardless of what that law states. They have continued to leave two previously disputed debts on my credit report and they show these debts as being an OPEN account when the law clearly states that they can no longer collect on this debt or leave it in an OPEN status and report that to the credit bureaus., which is exactly what they have done and continue to do. Last week this collection company not only defies our Federal Laws and Consumer laws by continuing to leave the first two collection accounts on my credit in an open status, but they have just recently ( within the last week ) added three more accounts to my credit report adding to the other two that were already on there for a total of 5 collection accounts in which they are trying to collect on and they are doing this with the full knowledge that I am in an active Bankruptcy right now. They are also reporting these three additional collection accounts that have been added within the last week as OPEN AND ACTIVE COLLECTION ACCPOUNTS WITH OWED BALANCES AS WELL.. They have done this knowing about my bankruptcy status and they are blatantly disregarding the court order by doing this. See the attachment for proof. They also have backdated these new collection debts illegally as well and reported false and damaging information about me and had it placed in my credit file with XXXX just within the very last week. They also have lied and reported false and erroneous information about me trying to completely obliterate my credit and my chances of obtaining any type of credit or secure my new place to live as well. In fact, because of their actions, I was denied to rent my new apartment because their reporting of these additional uncollectable accounts has dropped my Credit score by more them 60 points just by what they have reported last week. This company needs to be investigated for their shady and extremely questionable debt collection practices because of what they have done to me alone and by how they have purposely done this just to harm me and to damage my credit in the process. I will say that this is not just going to go away with them. They will pay for what they have done as soon as I report them to the Federal Bankruptcy Courts and I will make sure that I will not rest until they are either shut down or having their business license revoked for doing what they have done to me and with no regard to our Federal Laws or the agencies that govern them. I am fed up with this company and this is a clear retaliation tactic because last year I settled out of court with them because of another debt collection issue and this is their way to get me back and they know it. They need to be investigated and shut down as a result of their many violations to our laws and because of their unethical and immoral business practices.","date_sent_to_company":"2023-04-10T11:30:56.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Other debt","zip_code":"95628","tags":null,"has_narrative":true,"complaint_id":"6820433","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Universal Recovery Corporation","date_received":"2023-04-10T10:39:56.000Z","state":"CA","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["Last week this <em>collection</em> company not only defies our Federal Laws and Consumer laws by continuing to leave the first two <em>collection</em> accounts on my credit in an open status, but they have just recently ( within the last week ) added three more accounts to my credit report adding to the other two that were already on there for a <em>total</em> of 5 <em>collection</em> accounts in <em>which</em> they are trying to collect on and they are doing this with the full knowledge that I am in an active <em>Bankruptcy</em> right now."],"product":["Debt <em>collection</em>"]},"sort":[15.401088,"6820433"]},{"_index":"complaint-public-v1","_id":"6021043","_score":15.274911,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"RE : Serious Organized Criminal Acts, Violations of Federal Laws, XXXX Discrimnatory & maliciously took my more than 5 time asset. \n\nXXXXXXXXXXXX XXXX has corrupted, criminally keep trying to destroy me and my family for past XXXX. \n\nXXXX. I have been receiving repeated so many new threats, rude, harrassing, false claim collections phone calls already paid amounts during the Bankruptcy caused by XXXXXXXX XXXX ( XXXX ), which never claimed it before by the XXXX Bank. It is a violation of the Laws of the U.S. Federal Bankruptcy Court, Federal Banking Law, and committing serious crimes. No one is ever responding or answering any of my phone calls. XXXXXXXX XXXX has never sent correct statements, or bills. \nA. My Line of Credit account statement suddenly showing total amount is {$17000.00} and {$44000.00}. \na. My credit line of line of credit has been {$30000.00} for 15 years. I have never late or missed any single payment for the past 15 years. \nb. I have never asked XXXXXXXX XXXX to increase the credit line, nor XXXXXXXX XXXX asked me increase {$10000.00} credit line especially during the bankruptcy criminally, illegally created and caused by XXXXXXXX XXXX. \nc. I have been paying all the property taxes, insurances and other for the past XXXX on my properties. \nd. I have never asked XXXXXXXX XXXX {$10000.00} nor XXXXXXXX XXXX  offered me {$10000.00} during the bankruptcy. As you can see XXXXXXXX XXXX has been trying to take more money from me illegally, harassing, making me miserable, and destroy me for XXXX to cover up the malicious, illegally, criminally, falsely, and corrupted taking my {$3.00} XXXX properties and repeated XXXX discrimnatory serious crimes. XXXXXXXX XXXX never gave me {$10000.00}, or cant claim {$10000.00} during the bankruptcy. \ne. XXXXXXXX XXXX suddenly set up escrow account criminally and asking me to pay the payments for my line of credit account of {$30000.00}. Past XXXX, I have never paid any escrow account payment. There was no escrow account from the beginning. Setting up any escrow account without asking me of my line of credit account. \nf. XXXXXXXX XXXX never paid any insurance of property taxes especially criminally caused and created by XXXXXXXX XXXX \ng. I have been paying all the insurance and taxes by myself all the time for the past XXXX years. \nh. I spoke to managers and bankers of local XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Ohio, XXXX at XXXX XXXX and many other times. Managers have been repeatedly telling me that it is absolutely wrong and illegal setting up escrow account for {$30000.00} line of credit. \ni. XXXXXXXX XXXX is the main mortgage account holder of my home loan of {$150000.00} and set up my escrow account. \nj. I paid off the total XXXXXXXX XXXX mortgage amount of {$180000.00}, in spite of my repeated request to remove the lien of {$180000.00}, didnt clear the paid {$180000.00} my mortgage lien for the past 18 years illegally and criminally. I have paid the payment two ( 2 ) times higher interests and paid {$20000.00} more payment over the 15 years to the XXXX XXXX \nXXXX XXXXXXXX XXXX  illegally has been claiming already paid amount of {$180000.00} again and again for the paid mortgage XXXX ago, even several times criminally to the Federal Bankruptcy Court during the Bankruptcy. \nXXXX XXXXXXXX XXXX must remove the lien on my property or reduce to {$30000.00}, and shouldnt claim falsely, illegally, criminally, and discrimnatory with corruption. \nm. I have never missed, or late any payments for the past XXXX this account, but XXXXXXXX XXXX has been claiming falsely, criminally reporting delinquent of my payments, late fees, and interests to the XXXX Credit Bureaus XXXX and keep lowing my credit scores all the way to the bottom. It is serious federal crimes and abuse of senior citizens. \nXXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and many officers of XXXX Bank XXXX Department and XXXX Department are trying to collect more money already paid by Federal Bankruptcy Court and criminally took my properties. I had to spent 1-2 hours each time. It is against laws : Federal Bankruptcy, Violation of Collection Laws., They are from all different department and collection Companies, collection law firms. \nThreatening innocent Senior citizens criminally, XXXX XXXX was telling me to listen to him and pay it. \nXXXXXXXX XXXX  collection and credit department has been calling me 5-6 times every day and has been asking me to pay escrow account of insurance and tax payment total {$17000.00} and {$4100.00}. I have been paying my taxes and insurance premiums for the past XXXX. \nI have not received correct bill/statement for the payment since XXXX, XXXX and XXXX of XXXX despite of my request of correct amount and the correct statement. XXXXXXXX XXXX has been continually threatening, and harrassing me every day without any correction or correcting statement make me every time spending hours on the phone from different offices and different people. \no. XXXXXXXX XXXX ask me to contact Escrow department or legal Department of XXXXXXXX XXXX, but they have never taken any of my phone calls. \n\nXXXX XXXXXXXX XXXX has committed serious malicious XXXX discrimnatory, crimes to destroy me, my family, innocent senior citizens and my family for the past XXXX. \n\nXXXX. XXXXXXXX XXXX has already committed serious malicious XXXX discrimnatory and financial terror crimes taking my lifeline of money over {$35.00} XXXX criminally. \na. My total loan balance was only {$520000.00} and paid without any problems for the past XXXX. \nXXXX XXXXXXXX XXXX vice president XXXX XXXX blocked me from paying off my entire loan payments with corruption of his friend, XXXX XXXX XXXX, retired XXXX. XXXX XXXX asked me to use him to pay off the loan, XXXX I already had XXXX landers wanted to pay off my entire loan amount. XXXX XXXX didnt allow me to pay off the entire loan to the XXXXXXXX XXXX XXXX These criminal acts of XXXX XXXX internal crime involved XXXX XXXX, XXXX XXXX, and XXXX XXXX, and many other officers. \n\nXXXX. My repeated requests of internal investigation of illegal Corruption, XXXX Discriminatory illegal banking, attacks, malicious criminal business practice, malfunctioning, irreparable, outdated, malfunctioning, not generating confirmation code for the paid payments and faulty computer system and knowingly charging again and again late fees, already paid amounts. \na. I investigated XXXXXXXX XXXX malfunctioning computer banking system, and criminally charging illegal fees. Because all of the bankers, employees denying the faulty system. \nb. The top manager of XXXXXXXX XXXX XXXX banking system and top Bank management officers well aware of their malfunctioning computer system. The XXXXXXXX XXXX computer system has never generated any confirmation code or track the payment for years at the time. \nc. The top manager notified me that the XXXXXXXX XXXX XXXXXXXX banking system was so outdated, irreparable, or unfixable. XXXXXXXX XXXX must purchase a new system. \nd. But XXXX Bank XXXX not have enough money to buy a new system and the XXXX Bank XXXX bankrupt. \nXXXX XXXX XXXX and other XXXX Bank managers denied the malfunctioning their system and they have charged me {$100.00} fees each time already paid my loan payments. I have never paid late or missed any single payment for over XXXX at the time and my XXXX XXXX was XXXX. \n\nXXXX. Thats why XXXX Bank accused me illegally, maliciously, racially Discriminatorily targeted me and taking more than XXXX times lifesaving assets than my total loan amount of {$520000.00}. I lost more than {$3.00} XXXX and serious damages by XXXX Banks XXXX XXXX Bank ) illegal acts. \nXXXX. No other people knew or complaining about their computer malfunctioning bank system and corruption. \nI have never had any problems with XXXX XXXX Bank for the past XXXX, and any other banks, my XXXX XXXX was XXXX. \nXXXX. XXXX Bank did not release the XXXX Bank customers lien at XXXX XXXX XXXX XXXX already paid loan payments of so many their clients. \nXXXX XXXX Bank has claimed XXXX ago paid entire my home loan payments repeatedly many times b. During the bankruptcy repeatedly claimed {$180000.00} and my bankruptcy attorneys didnt know about that and I had to tell the Bankruptcy court to correct it again and again. \nXXXX XXXX XXXX XXXX Bank didnt clear my lien XXXX paid amount. \nXXXX Because XXXX Banks illegal operation I had to pay XXXX Bank 2-3 times higher rate loan for more than XXXX and I paid {$20000.00} - {$30000.00} more because of the XXXX Banks illegal XXXX banking XXXX XXXX \ne. It is clearly showing XXXX Banks criminal banking business and the evidence of why they are charging repeatedly. \nf. There are currently so many victims created by XXXX Bank XXXX \nXXXX. Since XXXX Bank purchased the XXXX XXXX XXXX Bank, XXXX Bank has been attacking me every day to destroy my life and my family, already destroyed/damaged by XXXX Bank XXXX XXXX XXXX Bank XXXX XXXX for XXXX. \n\nXXXX Banks criminal, malicious, terror, and racially discriminatory Banking against me and my family. \n\nXXXX XXXX Bank XXXX XXXX XXXX XXXX asked me to pay off my entire loans of {$520000.00} and XXXX bank was in bankruptcy. He asked me to go to his buddy, XXXX XXXX XXXX, retired XXXX XXXX Bank. I contacted him next day and provided all the information. My credit and all the information were very good he would finance quickly. His mom was ill and he had to take care of her others. he didnt do anything. I hired other person and spent more than {$10000.00} and time. I had three lenders to pay off my entire loans. XXXX XXXX XXXX didnt want to talk to them. I talked to XXXX XXXX XXXX blocked the paying off my entire loan payment process, which was illegal, criminal, and discriminatory acts caused all the problems. He kept asking me to go to XXXX XXXX XXXX. I provided all the information of the legal purchasing contracts of a lot more than {>= $1,000,000} and many other offers. \n\nXXXX XXXX bank repeatedly treating me racially discriminatory lending procedures charging 40 times more fees. XXXX, XXXX XXXX XXXX initially promised me {$200.00} each fee each account refinancing at his office, but XXXX XXXX XXXX charged me {$8000.00} at the signing. The XXXX time promised me {$200.00} fee another account, at the signing he asked me to pay {$6000.00}. When I asked him why he was not keeping his promise of {$200.00} of the fee. He lowered the fee to {$3000.00} and saying their Bank was losing money. \n\nXXXX XXXX couldnt sleep at night for 3 months because of my stomach was hurting so much. I sent letters more than XXXX times to XXXX of the bank, XXXX XXXX XXXX. He never responded to me or corrected it. \nI treated XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX Ohio. I asked him why he was lying? He said very sorry. I know where XXXX XXXX XXXX is. \n\nXXXX XXXX bank has done business knowingly illegally, wrongfully, and racially discrimnatory, and criminally. \nXXXX On CFPB ( Consumer Financial Protection Bureau ( CFPB ), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly ) information ( XXXX Bank has been claiming falsely ) XXXX. XXXX bank committed serious crimes ; illegal banking, wrongful charges ; maliciously, racially discrimnatory and criminally took all my life assets, and still maliciously and criminally attacking me. It is a violation of Federal Banking Laws and committing crimes of IRS, Treasury Department, Federal Bankruptcy Laws, Civil Right, and vary serious financial XXXX destroying me and my family, innocent citizens, criminally attacking innocent Senior citizens to cover up their wrong doing for decades. \nXXXX. You can check Federal Bankruptcy Court record which I sent a letter to the Bankruptcy Honorable Judge, XXXX XXXX and I, myself, testified at the court. Because my 2 bankruptcy lawyers were corrupted with XXXX Bank from the very beginning, illegal acts and law practice. No one was represented my cases and XXXX bank took my {$3.00} assets criminally from the very beginning. \n\nXXXX. XXXX bank has been claiming that I was represented by my attorneys all the time. It is a false claim. \nMy three lawyers, a. 1st lawyer XXXX XXXX XXXX took the money from me from the beginning as a real estate specialty lawyer and banking lawyer. But he didnt know real estate and banking laws well. Suddenly he took me to Bankruptcy attorney XXXX XXXX, asked me to file a bankruptcy XXXX. I have never expected the bankruptcy because XXXX Bank promised me that they would wait until XXXX of next year for sales of any of my properties would pay off all of entire my debt to XXXX Bank. I had many offers and I provided the legal document to XXXX bank. I was very shocked my attorney, XXXX XXXX filing my bankruptcy case. \nb. Later when I asked him to file a law suit against XXXX bank, then he resigned from my case, because of a XXXX of XXXX. How possibly took my case with conflict of interests. \nXXXX Attorney XXXX XXXX filed my Bankruptcy case. He promised me that he would clear all the payment in front of his secretary and other attorneys at his conference room. Later he asked me to bring other attorneys to process my case which he would teach another attorney to clear all of my debt and he was kept saying it is very easy in front of his secretary/Assistant, XXXX XXXX XXXX His secretary and I are the witnesses and the document I emailed her and Attorney XXXX XXXX. He asked me to have meeting with his secretary and provide all the information. We had meeting at Attorney XXXX office and I provide all the document she asked me. Then she asked me to email to her all the information, because she may miss any other information. As soon as I sent an email to her, the very next day, Attorney XXXX send me a mail that he resigned from my case and warned me not to contact his office or any other attorneys or employees of his law firm. Because I emailed his secretary Attorney XXXX promised me he would clear all of my debt at the meeting at his office in front of his secretary. His group told me that attorney he would be a next Bankruptcy XXXX after XXXX XXXX XXXX would step down soon. His law firm has many attorneys and he is an attorney filed my bankruptcy case. Why he was asking me to bring an attorney and he would teach him. He knows all other attorneys. Why he was asking me to bring other attorneys to him? He was corrupted from the very beginning at the Bankruptcy XXXX and resigned from my case suddenly. I asked many attorneys. They didnt want to be involved my case. They are saying attorney XXXX is a Bankruptcy Trustee. His law firm has many other attorneys. He was corrupted with XXXX bank. I have key evidence of the corruption. \n\nXXXX. I didnt have any attorneys to represent me at the court for my case. \na. No other attorneys wanted represented or involved may case saying other corrupted attorneys were involved and took already took all the money from me. \nb. Two attorneys already messed up and negligent my case. \n\nXXXX. I, myself, represented me at the Federal Bankruptcy Court in front of Honorable Judge XXXX XXXX at the Federal Bankruptcy Court, I requested to Honorable Judge XXXX XXXX to extend my case until find attorneys. The Honorable Judge XXXX XXXX granted me to extend my case. \n\na. I provided information to Federal Bankruptcy Honorable Judge XXXX XXXX of XXXX Banks corruption, illegal, criminal, repeated discriminatory unlawful business practice and taking my assets for my life community mission and life savings. You can find out the information at the Bankruptcy Court. \nXXXX. I found a bankruptcy attorney XXXX XXXX, but he didnt want to do anything against XXXX Bank XXXX first XXXX bank XXXX or anything else. Attorney XXXX XXXX wanted to do only finishing the payments. He recognized and agreed that he made mistake and wrongfully held my case for XXXX. I was released from XXXX Bankruptcy after XXXX. \nXXXX I met XXXX XXXX XXXX XXXX, Chairman of XXXX Bank formally face to face in XXXX XXXX he asked me to send the information to him, I have sent information to his office and spoke to his assistances, XXXX XXXX XXXX XXXX XXXX Assistance XXXX XXXX and others a few times very formally, but I have not received any response from XXXX XXXX XXXX XXXX XXXX Chairman, President and Chief XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Assistance of President. \n\nXXXX. But I have been repeatedly receiving False Bills, False Notices, False Collections and False Claim & False Credit Report, harrassing, intimidating, threatening, and pressuring by XXXX Bank. \n\nXXXX. I received phone calls from XXXX XXXX XXXX, XXXX, XXXX Bank Consumer Advocacy Specialist on XXXX and XXXX and more in respond of my letter to XXXX XXXX XXXX XXXX. \na. XXXX XXXX XXXX was denying everything saying XXXX Bank wont do anything for me. \nb. He handles all the letters of XXXX XXXX XXXX XXXX, Chairman and XXXX XXXX is not getting any letters. \nXXXX XXXX, XXXX XXXX XXXX, XXXX Bank asked me to sue the XXXX Bank. \nXXXX XXXX Bank took more than 500 % of my loan amount and took my life savings. \nXXXX XXXX Bank has been attacking me more aggressively with all false charges, escrow account charges, keep sending false Credit Bureaus Report to destroy my life and my family. \nXXXX XXXX Bank has been attempting to collect already paid by the Federal Bankruptcy Case. \nXXXX XXXX Bank has been harassing, intimidating, threatening to destroy me my family to covering up their wrong doing. \n\nNo one has ever answered for the false bills, false collections, false claims, or false Credit report. \nA After my bankruptcy case was done by Federal Bankruptcy Court. \nXXXX. XXXX. XXXX bank has been criminally, illegally, asking and threatening to pay the {$410000.00} again, then XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX. Phone XXXX has been attempting to collect {$410000.00} which I already paid off during the Bankruptcy caused by XXXX Bank. \nXXXX. I have never missed account # XXXX, {$30000.00} for XXXX. XXXX Bank has been asking more money to pay. This account and amount must be removed. XXXX Bank took too much of my assets. I do not have anything to support for my life and my family. \nXXXX. It is a serious malicious XXXX discrimnatory hate crime. \nXXXX. XXXX Bank is making false documents to remove their tax which I received XXXX Form 1099-C, XXXX. Amount of Debt discharged {$58000.00}. \nXXXX. XXXX bank falsely claiming and reporting to IRS to make money sending me false documents. \nXXXX XXXX Bank legal department has been illegal collection notices and letters working with XXXX, Ohio XXXX XXXX XXXX, making phones calls, letters, and attempting collections. \nXXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and many officers of XXXXXXXX XXXX Credit Department and Escrow Department are trying to collect more money for the paid Federal Bankruptcy account and closed case by XXXX banks criminally took my life saving more than 5.5times and XXXX bank had profit more than {>= $1,000,000}. \nc. Keep sending tax loss papers from my accounts already closed Bankruptcy case for the Tax saving purpose which XXXX Bank made XXXX of loan amounts. \nXXXX I was just released from the Bankruptcy case because XXXX Bank illegally took my life savings properties and businesses illegally with corrupted by Vice President XXXX XXXX and attorney XXXX XXXX, XXXX XXXX and others. \n\nThis one show, how XXXX bank has been doing wrong again and again. This is another criminal act beside Collection attempt and many others. XXXX Bank has been deceiving IRS, U.S. Treasury Department. \n\nI put all of my effort and have been working very hard for past XXXX. I have been helping people, community and country. \nI am looking forward hearing from you. \n\nVery respectfully, XXXX XXXX","date_sent_to_company":"2022-09-26T20:16:17.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"44514","tags":"Older American","has_narrative":true,"complaint_id":"6021043","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-09-26T20:16:05.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["XXXX Bank is making false documents to remove their tax <em>which</em> I received XXXX Form 1099-C, XXXX. Amount of Debt discharged {$58000.00}. \nXXXX. XXXX bank falsely claiming and reporting to IRS to make money sending me false documents. \nXXXX XXXX Bank legal department has been <em>illegal</em> <em>collection</em> notices and letters working with XXXX, Ohio XXXX XXXX XXXX, making phones calls, letters, and attempting <em>collections</em>."]},"sort":[15.274911,"6021043"]},{"_index":"complaint-public-v1","_id":"6021038","_score":15.151929,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"RE : Serious Organized Criminal Acts, Violations of Federal Laws, XXXX Discrimnatory & maliciously took my more than 5 time asset. \n\nXXXX bank has corrupted, criminally keep trying to destroy me and my family for past XXXX. \n\nXXXX. I have been receiving repeated so many new threats, rude, harrassing, false claim collections phone calls already paid amounts during the Bankruptcy caused by XXXX Bank ( TCF ), which never claimed it before by the XXXX Bank. It is a violation of the Laws of the U.S. Federal Bankruptcy Court, Federal Banking Law, and committing serious crimes. No one is ever responding or answering any of my phone calls. XXXX bank has never sent correct statements, or bills. \nA. My Line of Credit account statement suddenly showing total amount is {$17000.00} and {$44000.00}. \na. My credit line of line of credit has been {$30000.00} for 15 years. I have never late or missed any single payment for the past 15 years. \nb. I have never asked XXXX bank to increase the credit line, nor XXXX bank asked me increase {$10000.00} credit line especially during the bankruptcy criminally, illegally created and caused by XXXX Bank. \nc. I have been paying all the property taxes, insurances and other for the past XXXX on my properties. \nd. I have never asked XXXX bank {$10000.00} nor XXXX bank offered me {$10000.00} during the bankruptcy. As you can see XXXX bank has been trying to take more money from me illegally, harassing, making me miserable, and destroy me for XXXX to cover up the malicious, illegally, criminally, falsely, and corrupted taking my {$3.00} XXXX properties and repeated XXXX discrimnatory serious crimes. XXXX bank never gave me {$10000.00}, or cant claim {$10000.00} during the bankruptcy. \nXXXX XXXX bank suddenly set up escrow account criminally and asking me to pay the payments for my line of credit account of {$30000.00}. Past XXXX, I have never paid any escrow account payment. There was no escrow account from the beginning. Setting up any escrow account without asking me of my line of credit account. \nXXXX XXXX Bank never paid any insurance of property taxes especially criminally caused and created by XXXX Bank. \ng. I have been paying all the insurance and taxes by myself all the time for the past 38 years. \nh. I spoke to managers and bankers of local XXXX Bank XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Ohio, XXXX at XXXX pm and many other times. Managers have been repeatedly telling me that it is absolutely wrong and illegal setting up escrow account for {$30000.00} line of credit. \ni. XXXX Bank is the main mortgage account holder of my home loan of {$150000.00} and set up my escrow account. \nj. I paid off the total XXXX Bank mortgage amount of {$180000.00}, in spite of my repeated request to remove the lien of {$180000.00}, didnt clear the paid {$180000.00} my mortgage lien for the past 18 years illegally and criminally. I have paid the payment XXXX ( XXXX ) times higher interests and paid {$20000.00} more payment over the 15 years to the XXXX Bank. \nXXXX XXXX Bank illegally has been claiming already paid amount of {$180000.00} again and again for the paid mortgage XXXX ago, even several times criminally to the XXXX Bankruptcy XXXX XXXX the Bankruptcy. \nXXXX XXXX Bank must remove the lien on my property or reduce to {$30000.00}, and shouldnt claim falsely, illegally, criminally, and discrimnatory with corruption. \nm. I have never missed, or late any payments for the past XXXX this account, but XXXX Bank has been claiming falsely, criminally reporting delinquent of my payments, late fees, and interests to the XXXX Credit Bureaus XXXX and keep lowing my credit scores all the way to the bottom. It is serious federal crimes and abuse of senior citizens. \nXXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and many officers of XXXX Bank XXXX Department and XXXX Department are trying to collect more money already paid by Federal Bankruptcy Court and criminally took my properties. I had to spent 1-2 hours each time. It is against laws : Federal Bankruptcy, Violation of Collection Laws., They are from all different department and collection Companies, collection law firms. \nThreatening innocent Senior citizens criminally, XXXX XXXX was telling me to listen to him and pay it. \nXXXX Bank collection and credit department has been calling me 5-6 times every day and has been asking me to pay escrow account of insurance and tax payment total {$17000.00} and {$4100.00}. I have been paying my taxes and insurance premiums for the past XXXX. \nI have not received correct bill/statement for the payment since XXXX, XXXX and XXXX of XXXX despite of my request of correct amount and the correct statement. XXXX bank has been continually threatening, and harrassing me every day without any correction or correcting statement make me every time spending hours on the phone from different offices and different people. \nXXXX XXXX Bank ask me to contact Escrow department or XXXX Department XXXX XXXX Bank, but they have never taken any of my phone calls. \n\nXXXX XXXX Bank has committed serious malicious XXXX discrimnatory, crimes to destroy me, my family, innocent senior citizens and my family for the past XXXX. \n\nXXXX. XXXX bank has already committed serious malicious XXXX discrimnatory and financial terror crimes taking my lifeline of money over {$35.00} XXXX criminally. \na. My total loan balance was only {$520000.00} and paid without any problems for the past XXXX. \nXXXX XXXX bank vice president XXXX XXXX blocked me from paying off my entire loan payments with corruption of his friend, XXXX XXXX XXXX, retired XXXX. XXXX XXXX asked me to use him to pay off the loan, XXXX XXXX already had XXXX landers wanted to pay off my entire loan amount. XXXX XXXX didnt allow me to pay off the entire loan to the XXXX Bank XXXX These criminal acts of XXXX Banks internal crime involved XXXX XXXX, XXXX XXXX, and XXXX XXXX, and many other officers. \n\nXXXX. My repeated requests of internal investigation of illegal Corruption, XXXX Discriminatory illegal banking, attacks, malicious criminal business practice, malfunctioning, irreparable, outdated, malfunctioning, not generating confirmation code for the paid payments and faulty computer system and knowingly charging again and again late fees, already paid amounts. \na. I investigated XXXX Banks malfunctioning computer banking system, and criminally charging illegal fees. Because all of the bankers, employees denying the faulty system. \nb. The top XXXX of XXXX Bank XXXX banking XXXX and top Bank management officers well aware of their malfunctioning computer system. The XXXX Bank computer system has never generated any confirmation code or track the payment for years at the time. \nc. The top XXXX notified me that the XXXX Bank XXXX banking system was so outdated, irreparable, or unfixable. XXXX Bank must purchase a new system. \nd. But XXXX Bank did not have enough money to buy a new system and the XXXX Bank XXXX bankrupt. \nXXXX XXXX XXXX and other XXXX Bank managers denied the malfunctioning their system and they have charged me {$100.00} fees each time already paid my loan payments. I have never paid late or missed any single payment for over XXXX at the time and my XXXX XXXX was XXXX. \n\nXXXX. Thats why XXXX Bank accused me illegally, maliciously, racially Discriminatorily targeted me and taking more than XXXX times lifesaving assets than my total loan amount of {$520000.00}. I lost more than {$3.00} XXXX and serious damages by XXXX Banks XXXX XXXX Bank ) illegal acts. \nXXXX. No other people knew or complaining about their computer malfunctioning bank system and corruption. \nI have never had any problems with XXXX XXXX Bank for the past XXXX, and any other banks, my XXXX XXXX was XXXX. \nXXXX. XXXX Bank did not release the XXXX Bank customers lien at XXXX XXXX XXXX XXXX already paid loan payments of so many their clients. \nXXXX XXXX Bank has claimed XXXX ago paid entire my home loan payments repeatedly many times b. During the bankruptcy repeatedly claimed {$180000.00} and my bankruptcy attorneys didnt know about that and I had to tell the Bankruptcy court to correct it again and again. \nXXXX XXXX XXXX XXXX Bank didnt clear my lien already paid amount. \nXXXX Because XXXX Banks illegal operation I had to pay XXXX Bank XXXX XXXX higher rate loan for more than XXXX and I paid {$20000.00} - {$30000.00} more because of the XXXX Banks illegal XXXX banking XXXX XXXX \ne. It is clearly showing XXXX Banks criminal banking business and the evidence of why they are charging repeatedly. \nf. There are currently so many victims created by XXXX Bank XXXX \nXXXX. Since XXXX Bank purchased the XXXX XXXX XXXX Bank, XXXX Bank has been attacking me every day to destroy my life and my family, already destroyed/damaged by XXXX Bank XXXX XXXX XXXX Bank XXXX XXXX for XXXX. \n\nXXXX Banks criminal, malicious, terror, and racially discriminatory Banking against me and my family. \n\nXXXX XXXX Bank XXXX XXXX XXXX XXXX asked me to pay off my entire loans of {$520000.00} and XXXX bank was in bankruptcy. He asked me to go to his buddy, XXXX XXXX XXXX, retired XXXX XXXX Bank. I contacted him next day and provided all the information. My credit and all the information were very good he would finance quickly. His mom was ill and he had to take care of her others. he didnt do anything. I hired other person and spent more than {$10000.00} and time. I had XXXX lenders to pay off my entire loans. XXXX XXXX XXXX didnt want to talk to them. I talked to XXXX XXXX XXXX blocked the paying off my entire loan payment process, which was illegal, criminal, and discriminatory acts caused all the problems. He kept asking me to go to XXXX XXXX XXXX. I provided all the information of the legal purchasing contracts of a lot more than {>= $1,000,000} and many other offers. \n\nXXXX XXXX bank repeatedly treating me racially discriminatory lending procedures charging XXXX times more fees. XXXX, XXXX XXXX XXXX initially promised me {$200.00} each fee each account refinancing at his office, but XXXX XXXX XXXX charged me {$8000.00} at the signing. The XXXX time promised me {$200.00} fee another account, at the signing he asked me to pay {$6000.00}. When I asked him why he was not keeping his promise of {$200.00} of the fee. He lowered the fee to {$3000.00} and saying their Bank was losing money. \n\nXXXX XXXX couldnt sleep at night for 3 months because of my stomach was hurting so much. I sent letters more than XXXX times to XXXX of the bank, XXXX XXXX XXXX. He never responded to me or corrected it. \nI treated XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX Ohio. I asked him why he was lying? He said very sorry. I know where XXXX XXXX XXXX is. \n\nXXXX XXXX bank has done business knowingly illegally, wrongfully, and racially discrimnatory, and criminally. \nXXXX On CFPB ( Consumer Financial Protection Bureau ( CFPB ), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly ) information ( XXXX Bank has been claiming falsely ) XXXX. XXXX bank committed serious crimes ; illegal banking, wrongful charges ; maliciously, racially discrimnatory and criminally took all my life assets, and still maliciously and criminally attacking me. It is a violation of Federal Banking Laws and committing crimes of IRS, Treasury Department, Federal Bankruptcy Laws, Civil Right, and vary serious financial XXXX destroying me and my family, innocent citizens, criminally attacking innocent Senior citizens to cover up their wrong doing for decades. \nXXXX. You can check Federal Bankruptcy Court record which I sent a letter to the Bankruptcy Honorable Judge, XXXX XXXX and I, myself, testified at the court. Because my XXXX bankruptcy lawyers were corrupted with XXXX Bank from the very beginning, illegal acts and law practice. No one was represented my cases and XXXX bank took my {$3.00} assets criminally from the very beginning. \n\nXXXX. XXXX bank has been claiming that I was represented by my attorneys all the time. It is a false claim. \nMy three lawyers, a. 1st lawyer XXXX XXXX XXXX took the money from me from the beginning as a real estate specialty lawyer and banking lawyer. But he didnt know real estate and banking laws well. Suddenly he took me to Bankruptcy attorney XXXX XXXX, asked me to file a bankruptcy XXXX. I have never expected the bankruptcy because XXXX Bank promised me that they would wait until XXXX of next year for sales of any of my properties would pay off all of entire my debt to XXXX Bank. I had many offers and I provided the legal document to XXXX bank. I was very shocked my attorney, XXXX XXXX filing my bankruptcy case. \nb. Later when I asked him to file a law suit against XXXX bank, then he resigned from my case, because of a XXXX of XXXX. How possibly took my case with conflict of interests. \nXXXX Attorney XXXX XXXX filed my Bankruptcy case. He promised me that he would clear all the payment in front of his secretary and other attorneys at his conference room. Later he asked me to bring other attorneys to process my case which he would teach another attorney to clear all of my debt and he was kept saying it is very easy in front of his secretary/Assistant, XXXX XXXX XXXX His secretary and I are the witnesses and the document I emailed her and Attorney XXXX XXXX. He asked me to have meeting with his secretary and provide all the information. We had meeting at Attorney XXXX office and I provide all the document she asked me. Then she asked me to email to her all the information, because she may miss any other information. As soon as I sent an email to her, the very next day, Attorney XXXX send me a mail that he resigned from my case and warned me not to contact his office or any other attorneys or employees of his law firm. Because I emailed his secretary Attorney XXXX promised me he would clear all of my debt at the meeting at his office in front of his secretary. His group told me that attorney he would be a next Bankruptcy XXXX after XXXX XXXX XXXX would step down soon. His law firm has many attorneys and he is an attorney filed my bankruptcy case. Why he was asking me to bring an attorney and he would teach him. He knows all other attorneys. Why he was asking me to bring other attorneys to him? He was corrupted from the very beginning at the Bankruptcy XXXX and resigned from my case suddenly. I asked many attorneys. They didnt want to be involved my case. They are saying attorney XXXX is a Bankruptcy Trustee. His law firm has many other attorneys. He was corrupted with XXXX bank. I have key evidence of the corruption. \n\nXXXX. I didnt have any attorneys to represent me at the court for my case. \na. No other attorneys wanted represented or involved may case saying other corrupted attorneys were involved and took already took all the money from me. \nb. XXXX attorneys already messed up and negligent my case. \n\nXXXX. I, myself, represented me at the XXXX Bankruptcy XXXX in front of Honorable Judge XXXX XXXX at the Federal Bankruptcy Court, I requested to Honorable Judge XXXX XXXX to extend my case until find attorneys. The Honorable Judge XXXX XXXX granted me to extend my case. \n\na. I provided information to Federal Bankruptcy Honorable Judge XXXX XXXX of XXXX Banks corruption, illegal, criminal, repeated discriminatory unlawful business practice and taking my assets for my life community mission and life savings. You can find out the information at the Bankruptcy XXXX. \nXXXX. I found a bankruptcy attorney XXXX XXXX, but he didnt want to do anything against XXXX Bank XXXX first XXXX bank XXXX or anything else. Attorney XXXX XXXX wanted to do only finishing the payments. He recognized and agreed that he made mistake and wrongfully held my case for XXXX. I was released from XXXX Bankruptcy after XXXX. \nXXXX I met XXXX XXXX XXXX XXXX, Chairman of XXXX Bank formally face to face in XXXX XXXX he asked me to send the information to him, I have sent information to his office and spoke to his assistances, XXXX XXXX XXXX XXXX XXXX Assistance XXXX XXXX and others a few times very formally, but I have not received any response from XXXX XXXX XXXX XXXX XXXX Chairman, President and Chief XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Assistance of President. \n\nXXXX. But I have been repeatedly receiving False Bills, False Notices, False Collections and False Claim & False Credit Report, harrassing, intimidating, threatening, and pressuring by XXXX Bank. \n\nXXXX. I received phone calls from XXXX XXXX XXXX, XXXX, XXXX Bank XXXX XXXX XXXX on XXXX and XXXX and more in respond of my letter to XXXX XXXX XXXX XXXX. \na. XXXX XXXX XXXX XXXX denying everything saying XXXX Bank XXXX do anything for me. \nb. He handles all the letters of XXXX XXXX XXXX XXXX, Chairman and XXXX XXXX is not getting any letters. \nXXXX XXXX, XXXX XXXX XXXX, XXXX Bank asked me to sue the XXXX Bank. \nXXXX XXXX Bank took more than 500 % of my loan amount and took my life savings. \nXXXX XXXX Bank has been attacking me more aggressively with all false charges, escrow account charges, keep sending false Credit Bureaus Report to destroy my life and my family. \nXXXX XXXX Bank has been attempting to collect already paid by the Federal Bankruptcy Case. \nXXXX XXXX Bank has been harassing, intimidating, threatening to destroy me my family to covering up their wrong doing. \n\nNo one has ever answered for the false bills, false collections, false claims, or false Credit report. \nA After my bankruptcy case was done by XXXX Bankruptcy XXXX. \nXXXX. XXXX. XXXX bank has been criminally, illegally, asking and threatening to pay the {$410000.00} again, then XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX. Phone XXXX has been attempting to collect {$410000.00} which I already paid off during the Bankruptcy caused by XXXX Bank. \nXXXX. I have never missed account # XXXX, {$30000.00} for XXXX. XXXX Bank has been asking more money to pay. This account and amount must be removed. XXXX Bank took too much of my assets. I do not have anything to support for my life and my family. \nXXXX. It is a serious malicious XXXX discrimnatory hate crime. \nXXXX. XXXX Bank is making false documents to remove their tax which I received XXXX Form XXXX, XXXX. Amount of XXXX XXXX {$58000.00}. \nXXXX. XXXX bank falsely claiming and reporting to IRS to make money sending me false documents. \nXXXX XXXX Bank XXXX department has been illegal collection notices and letters working with XXXX, Ohio XXXX XXXX XXXX, making phones calls, letters, and attempting collections. \nXXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and many officers of XXXX Bank XXXX Department and XXXX Department are trying to collect more money for the paid Federal Bankruptcy account and closed case by XXXX banks criminally took my life saving more than XXXX and XXXX bank XXXX profit more than {>= $1,000,000}. \nc. Keep sending tax loss papers from my accounts already closed Bankruptcy case for the XXXX saving purpose which XXXX Bank made XXXX of loan amounts. \nXXXX I was just released from the Bankruptcy case because XXXX Bank illegally took my life savings properties and businesses illegally with corrupted by Vice President XXXX XXXX and attorney XXXX XXXX, XXXX XXXX and others. \n\nThis XXXX show, how XXXX bank has been doing wrong again and again. This is another criminal act beside XXXX attempt and many others. XXXX Bank has been deceiving IRS, U.S. Treasury Department. \n\nI put all of my effort and have been working very hard for past XXXX. I have been helping people, community and country. \nI am looking forward hearing from you. \n\nVery respectfully, XXXX XXXX","date_sent_to_company":"2022-09-26T20:16:17.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"44514","tags":"Older American","has_narrative":true,"complaint_id":"6021038","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-09-26T20:16:05.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["XXXX Bank is making false documents to remove their tax <em>which</em> I received XXXX Form XXXX, XXXX. Amount of XXXX XXXX {$58000.00}. \nXXXX. XXXX bank falsely claiming and reporting to IRS to make money sending me false documents. \nXXXX XXXX Bank XXXX department has been <em>illegal</em> <em>collection</em> notices and letters working with XXXX, Ohio XXXX XXXX XXXX, making phones calls, letters, and attempting <em>collections</em>."]},"sort":[15.151929,"6021038"]},{"_index":"complaint-public-v1","_id":"6021039","_score":15.09656,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"RE : Serious Organized Criminal Acts, Violations of Federal Laws, XXXX  Discrimnatory & maliciously took my more than XXXX time asset. \n\nXXXX bank has corrupted, criminally keep trying to destroy me and my family for past XXXX. \n\nXXXX. I have been receiving repeated so many new threats, rude, harrassing, false claim collections phone calls already paid amounts during the Bankruptcy caused by XXXX Bank ( TCF ), which never claimed it before by the XXXX Bank. It is a violation of the Laws of the U.S. Federal Bankruptcy Court, Federal Banking Law, and committing serious crimes. No one is ever responding or answering any of my phone calls. XXXX bank has never sent correct statements, or bills. \nA. My Line of Credit account statement suddenly showing total amount is {$17000.00} and {$44000.00}. \na. My credit line of line of credit has been {$30000.00} for 15 years. I have never late or missed any single payment for the past 15 years. \nb. I have never asked XXXX bank to increase the credit line, nor XXXX bank asked me increase {$10000.00} credit line especially during the bankruptcy criminally, illegally created and caused by XXXX Bank. \nc. I have been paying all the property taxes, insurances and other for the past XXXX on my properties. \nd. I have never asked XXXX bank {$10000.00} nor XXXX bank offered me {$10000.00} during the bankruptcy. As you can see XXXX bank has been trying to take more money from me illegally, harassing, making me miserable, and destroy me for XXXX to cover up the malicious, illegally, criminally, falsely, and corrupted taking my {$3.00} XXXX properties and repeated XXXX discrimnatory serious crimes. XXXX bank never gave me {$10000.00}, or cant claim {$10000.00} during the bankruptcy. \nXXXX XXXX bank suddenly set up escrow account criminally and asking me to pay the payments for my line of credit account of {$30000.00}. Past XXXX, I have never paid any escrow account payment. There was no escrow account from the beginning. Setting up any escrow account without asking me of my line of credit account. \nXXXX XXXX Bank never paid any insurance of property taxes especially criminally caused and created by XXXX Bank. \ng. I have been paying all the insurance and taxes by myself all the time for the past 38 years. \nh. I spoke to managers and bankers of local XXXX Bank XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Ohio, XXXX at XXXX XXXX and many other times. Managers have been repeatedly telling me that it is absolutely wrong and illegal setting up escrow account for {$30000.00} line of credit. \ni. XXXX Bank is the main mortgage account holder of my home loan of {$150000.00} and set up my escrow account. \nj. I paid off the total XXXX Bank mortgage amount of {$180000.00}, in spite of my repeated request to remove the lien of {$180000.00}, didnt clear the paid {$180000.00} my mortgage lien for the past 18 years illegally and criminally. I have paid the payment two ( 2 ) times higher interests and paid {$20000.00} more payment over the 15 years to the XXXX Bank. \nXXXX XXXX Bank illegally has been claiming already paid amount of {$180000.00} again and again for the paid mortgage XXXX ago, even several times criminally to the Federal Bankruptcy Court during the Bankruptcy. \nXXXX XXXX Bank must remove the lien on my property or reduce to {$30000.00}, and shouldnt claim falsely, illegally, criminally, and discrimnatory with corruption. \nm. I have never missed, or late any payments for the past XXXX this account, but XXXX Bank has been claiming falsely, criminally reporting delinquent of my payments, late fees, and interests to the XXXX Credit Bureaus XXXX and keep lowing my credit scores all the way to the bottom. It is serious federal crimes and abuse of senior citizens. \nXXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and many officers of XXXX Bank Credit Department and Escrow Department are trying to collect more money already paid by Federal Bankruptcy Court and criminally took my properties. I had to spent 1-2 hours each time. It is against laws : Federal Bankruptcy, Violation of Collection Laws., They are from all different department and collection Companies, collection law firms. \nThreatening innocent Senior citizens criminally, XXXX XXXX was telling me to listen to him and pay it. \nXXXX Bank collection and credit department has been calling me 5-6 times every day and has been asking me to pay escrow account of insurance and tax payment total {$17000.00} and {$4100.00}. I have been paying my taxes and insurance premiums for the past XXXX. \nI have not received correct bill/statement for the payment since XXXX, XXXX and XXXX of XXXX despite of my request of correct amount and the correct statement. XXXX bank has been continually threatening, and harrassing me every day without any correction or correcting statement make me every time spending hours on the phone from different offices and different people. \nXXXX XXXX Bank ask me to contact Escrow department or legal Department of XXXX Bank, but they have never taken any of my phone calls. \n\nXXXX XXXX Bank has committed serious malicious XXXX discrimnatory, crimes to destroy me, my family, innocent senior citizens and my family for the past XXXX. \n\nXXXX. XXXX bank has already committed serious malicious XXXX discrimnatory and financial terror crimes taking my lifeline of money over {$35.00} XXXX criminally. \na. My total loan balance was only {$520000.00} and paid without any problems for the past XXXX. \nXXXX XXXX bank vice president XXXX XXXX blocked me from paying off my entire loan payments with corruption of his friend, XXXX XXXX XXXX, retired XXXX. XXXX XXXX asked me to use him to pay off the loan, c. I already had three landers wanted to pay off my entire loan amount. XXXX XXXX didnt allow me to pay off the entire loan to the XXXX Bank XXXX These criminal acts of XXXX Banks internal crime involved XXXX XXXX, XXXX XXXX, and XXXX XXXX, and many other officers. \n\nXXXX. My repeated requests of internal investigation of illegal Corruption, XXXX Discriminatory illegal banking, attacks, malicious criminal business practice, malfunctioning, irreparable, outdated, malfunctioning, not generating confirmation code for the paid payments and faulty computer system and knowingly charging again and again late fees, already paid amounts. \na. I investigated XXXX Banks malfunctioning computer banking system, and criminally charging illegal fees. Because all of the bankers, employees denying the faulty system. \nb. The top manager of XXXX Bank XXXX banking system and top Bank management officers well aware of their malfunctioning computer system. The XXXX Bank computer system has never generated any confirmation code or track the payment for years at the time. \nc. The top manager notified me that the XXXX Bank Computer banking system was so outdated, irreparable, or unfixable. XXXX Bank must purchase a new system. \nd. But XXXX Bank did not have enough money to buy a new system and the XXXX Bank was bankrupt. \nXXXX XXXX XXXX and other XXXX Bank managers denied the malfunctioning their system and they have charged me {$100.00} fees each time already paid my loan payments. I have never paid late or missed any single payment for over 30years at the time and my credit score was XXXX. \n\nXXXX. Thats why XXXX Bank accused me illegally, maliciously, racially Discriminatorily targeted me and taking more than 5.5 times lifesaving assets than my total loan amount of {$520000.00}. I lost more than {$3.00} XXXX and serious damages by XXXX Banks XXXX XXXX Bank ) illegal acts. \nXXXX. No other people knew or complaining about their computer malfunctioning bank system and corruption. \nI have never had any problems with XXXX XXXX Bank for the past XXXX, and any other banks, my credit score was XXXX. \nXXXX. XXXX Bank did not release the XXXX Bank customers lien at the XXXX XXXX XXXX already paid loan payments of so many their clients. \nXXXX XXXX Bank has claimed XXXX ago paid entire my home loan payments repeatedly many times b. During the bankruptcy repeatedly claimed {$180000.00} and my bankruptcy attorneys didnt know about that and I had to tell the Bankruptcy court to correct it again and again. \nXXXX Even today XXXX Bank didnt clear my lien already paid amount. \nXXXX Because XXXX Banks illegal operation I had to pay XXXX Bank 2-3 times higher rate loan for more than XXXX and I paid {$20000.00} - {$30000.00} more because of the XXXX Banks illegal criminal banking business . \ne. It is clearly showing XXXX Banks criminal banking business and the evidence of why they are charging repeatedly. \nf. There are currently so many victims created by XXXX Bank XXXX \nXXXX. Since XXXX Bank purchased the XXXX XXXX XXXX Bank, XXXX Bank has been attacking me every day to destroy my life and my family, already destroyed/damaged by XXXX Bank XXXX XXXX XXXX Bank XXXX criminally for XXXX. \n\nXXXX Banks criminal, malicious, terror, and racially discriminatory Banking against me and my family. \n\nXXXX XXXX Bank XXXX XXXX XXXX XXXX asked me to pay off my entire loans of {$520000.00} and XXXX bank was in bankruptcy. He asked me to go to his buddy, XXXX XXXX XXXX, retired XXXX XXXX Bank. I contacted him next day and provided all the information. My credit and all the information were very good he would finance quickly. His mom was ill and he had to take care of her others. he didnt do anything. I hired other person and spent more than {$10000.00} and time. I had three lenders to pay off my entire loans. XXXX XXXX XXXX didnt want to talk to them. I talked to XXXX XXXX XXXX blocked the paying off my entire loan payment process, which was illegal, criminal, and discriminatory acts caused all the problems. He kept asking me to go to XXXX XXXX XXXX. I provided all the information of the legal purchasing contracts of a lot more than {>= $1,000,000} and many other offers. \n\nXXXX XXXX bank repeatedly treating me racially discriminatory lending procedures charging 40 times more fees. XXXX, XXXX XXXX XXXX initially promised me {$200.00} each fee each account refinancing at his office, but XXXX XXXX XXXX charged me {$8000.00} at the signing. The XXXX time promised me {$200.00} fee another account, at the signing he asked me to pay {$6000.00}. When I asked him why he was not keeping his promise of {$200.00} of the fee. He lowered the fee to {$3000.00} and saying their Bank was losing money. \n\nXXXX XXXX couldnt sleep at night for 3 months because of my stomach was hurting so much. I sent letters more than XXXX times to XXXX of the bank, XXXX XXXX XXXX. He never responded to me or corrected it. \nI treated XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX Ohio. I asked him why he was lying? He said very sorry. I know where XXXX XXXX XXXX is. \n\nXXXX XXXX bank has done business knowingly illegally, wrongfully, and racially discrimnatory, and criminally. \nXXXX On CFPB ( Consumer Financial Protection Bureau ( CFPB ), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly ) information ( XXXX Bank has been claiming falsely ) XXXX. XXXX bank committed serious crimes ; illegal banking, wrongful charges ; maliciously, racially discrimnatory and criminally took all my life assets, and still maliciously and criminally attacking me. It is a violation of Federal Banking Laws and committing crimes of IRS, Treasury Department, Federal Bankruptcy Laws, Civil Right, and vary serious financial assassination destroying me and my family, innocent citizens, criminally attacking innocent Senior citizens to cover up their wrong doing for decades. \nXXXX. You can check XXXX Bankruptcy XXXX record which I sent a letter to the Bankruptcy Honorable Judge, XXXX XXXX and I, myself, testified at the court. Because my XXXX bankruptcy lawyers were corrupted with XXXX Bank from the very beginning, illegal acts and law practice. No one was represented my cases and XXXX bank took my {$3.00} assets criminally from the very beginning. \n\nXXXX. XXXX bank has been claiming that I was represented by my attorneys all the time. It is a false claim. \nMy XXXX lawyers, a. XXXX lawyer XXXX XXXX XXXX took the money from me from the beginning as a real estate specialty lawyer and banking lawyer. But he didnt know real estate and banking laws well. Suddenly he took me to Bankruptcy attorney XXXX XXXX, asked me to file a bankruptcy XXXX. I have never expected the bankruptcy because XXXX Bank promised me that they would wait until XXXX of next year for sales of any of my properties would pay off all of entire my debt to XXXX Bank. I had many offers and I provided the legal document to XXXX bank. I was very shocked my attorney, XXXX XXXX filing my bankruptcy case. \nb. Later when I asked him to file a law suit against XXXX bank, then he resigned from my case, because of a XXXX of XXXX. How possibly took my case with conflict of interests. \nXXXX Attorney XXXX XXXX filed my Bankruptcy case. He promised me that he would clear all the payment in front of his secretary and other attorneys at his conference room. Later he asked me to bring other attorneys to process my case which he would teach another attorney to clear all of my debt and he was kept saying it is very easy in front of his secretary/Assistant, XXXX XXXX XXXX His secretary and I are the witnesses and the document I emailed her and Attorney XXXX XXXX. He asked me to have meeting with his secretary and provide all the information. We had meeting at Attorney XXXX office and I provide all the document she asked me. Then she asked me to email to her all the information, because she may miss any other information. As soon as I sent an email to her, the very next day, Attorney XXXX send me a mail that he resigned from my case and warned me not to contact his office or any other attorneys or employees of his law firm. Because I emailed his secretary Attorney XXXX promised me he would clear all of my debt at the meeting at his office in front of his secretary. His group told me that attorney he would be a next Bankruptcy XXXX after XXXX XXXX XXXX would step down soon. His law firm has many attorneys and he is an attorney filed my bankruptcy case. Why he was asking me to bring an attorney and he would teach him. He knows all other attorneys. Why he was asking me to bring other attorneys to him? He was corrupted from the very beginning at the Bankruptcy XXXX and resigned from my case suddenly. I asked many attorneys. They didnt want to be involved my case. They are saying attorney XXXX is a Bankruptcy Trustee. His law firm has many other attorneys. He was corrupted with XXXX bank. I have key evidence of the corruption. \n\nXXXX. I didnt have any attorneys to represent me at the court for my case. \na. No other attorneys wanted represented or involved may case saying other corrupted attorneys were involved and took already took all the money from me. \nb. XXXX attorneys already messed up and negligent my case. \n\nXXXX. I, myself, represented me at the Federal Bankruptcy Court in front of Honorable Judge XXXX XXXX at the Federal Bankruptcy Court, I requested to Honorable Judge XXXX XXXX to extend my case until find attorneys. The Honorable Judge XXXX XXXX granted me to extend my case. \n\na. I provided information to Federal Bankruptcy Honorable Judge XXXX XXXX of XXXX Banks corruption, illegal, criminal, repeated discriminatory unlawful business practice and taking my assets for my life community mission and life savings. You can find out the information at the Bankruptcy XXXX. \nXXXX. I found a bankruptcy attorney XXXX XXXX, but he didnt want to do anything against XXXX Bank XXXX first XXXX bank XXXX or anything else. Attorney XXXX XXXX wanted to do only finishing the payments. He recognized and agreed that he made mistake and wrongfully held my case for XXXX. I was released from XXXX Bankruptcy after XXXX. \nXXXX I met XXXX XXXX XXXX XXXX, Chairman of XXXX Bank formally face to face in XXXX XXXX he asked me to send the information to him, I have sent information to his office and spoke to his assistances, XXXX XXXX XXXX XXXX XXXX Assistance XXXX XXXX and others a few times very formally, but I have not received any response from XXXX XXXX XXXX XXXX XXXX Chairman, President and Chief XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Assistance of President. \n\nXXXX. But I have been repeatedly receiving False Bills, False Notices, False Collections and False Claim & False Credit Report, harrassing, intimidating, threatening, and pressuring by XXXX Bank. \n\nXXXX. I received phone calls from XXXX XXXX XXXX, XXXX, XXXX Bank XXXX XXXX XXXX on XXXX and XXXX and more in respond of my letter to XXXX XXXX XXXX XXXX. \na. XXXX XXXX XXXX XXXX denying everything saying XXXX Bank XXXX do anything for me. \nb. He handles all the letters of XXXX XXXX XXXX XXXX, Chairman and XXXX XXXX is not getting any letters. \nXXXX XXXX, XXXX XXXX XXXX, XXXX Bank asked me to sue the XXXX Bank. \nXXXX XXXX Bank took more than 500 % of my loan amount and took my life savings. \nXXXX XXXX Bank has been attacking me more aggressively with all false charges, escrow account charges, keep sending false Credit Bureaus Report to destroy my life and my family. \nXXXX XXXX Bank has been attempting to collect already paid by the Federal Bankruptcy Case. \nXXXX XXXX Bank has been harassing, intimidating, threatening to destroy me my family to covering up their wrong doing. \n\nNo one has ever answered for the false bills, false collections, false claims, or false Credit report. \nA After my bankruptcy case was done by Federal Bankruptcy Court. \nXXXX. XXXX. XXXX bank has been criminally, illegally, asking and threatening to pay the {$410000.00} again, then XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX. Phone XXXX has been attempting to collect {$410000.00} which I already paid off during the Bankruptcy caused by XXXX Bank. \nXXXX. I have never missed account # XXXX, {$30000.00} for XXXX. XXXX Bank has been asking more money to pay. This account and amount must be removed. XXXX Bank took too much of my assets. I do not have anything to support for my life and my family. \nXXXX. It is a serious malicious XXXX discrimnatory hate crime. \nXXXX. XXXX Bank is making false documents to remove their tax which I received XXXX Form XXXX, XXXX. Amount of XXXX XXXX {$58000.00}. \nXXXX. XXXX bank falsely claiming and reporting to IRS to make money sending me false documents. \nXXXX XXXX Bank legal department has been illegal collection notices and letters working with XXXX, Ohio XXXX XXXX XXXX, making phones calls, letters, and attempting collections. \nXXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and many officers of XXXX Bank XXXX Department and XXXX Department are trying to collect more money for the paid Federal Bankruptcy account and closed case by XXXX banks criminally took my life saving more than 5.5times and XXXX bank had profit more than {>= $1,000,000}. \nc. Keep sending tax loss papers from my accounts already closed Bankruptcy case for the XXXX saving purpose which XXXX Bank made 5.5times of loan amounts. \nXXXX I was just released from the Bankruptcy case because XXXX Bank illegally took my life savings properties and businesses illegally with corrupted by Vice President XXXX XXXX and attorney XXXX XXXX, XXXX XXXX and others. \n\nThis XXXX show, how XXXX bank has been doing wrong again and again. This is another criminal act beside XXXX attempt and many others. XXXX Bank has been deceiving IRS, U.S. Treasury Department. \n\nI put all of my effort and have been working very hard for past XXXX. I have been helping people, community and country. \nI am looking forward hearing from you. \n\nVery respectfully, XXXX XXXX","date_sent_to_company":"2022-09-26T20:16:17.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"44514","tags":"Older American","has_narrative":true,"complaint_id":"6021039","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-09-26T20:16:05.000Z","state":"OH","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["XXXX Bank is making false documents to remove their tax <em>which</em> I received XXXX Form XXXX, XXXX. Amount of XXXX XXXX {$58000.00}. \nXXXX. XXXX bank falsely claiming and reporting to IRS to make money sending me false documents. \nXXXX XXXX Bank legal department has been <em>illegal</em> <em>collection</em> notices and letters working with XXXX, Ohio XXXX XXXX XXXX, making phones calls, letters, and attempting <em>collections</em>."]},"sort":[15.09656,"6021039"]},{"_index":"complaint-public-v1","_id":"3574752","_score":15.080535,"_source":{"product":"Mortgage","complaint_what_happened":"My loan was transferred to shellpoint a debt collection mortgage company. They recieved it from XXXX. XXXX, illegally foreclose on us. They never owned 100 percent of our loan. They recieved it from XXXX. Under court order XXXX was supposed to make all accounts correct after cfpb ruling XX/XX/XXXX. Instead of following court orders XXXX continued the illegal and abusive debt collection practices. Notice my complaint from XX/XX/XXXX, calling my dad released my information to him forced him to make payment on my account, used illegal debt collection practices even stating they was coming to repo my home. I requested my title. Did it again to my grandmother in XX/XX/XXXX both times blew it off. Again after I filed a cfpb complaint. No settlement was offered. XXXX, gets our loan we get a foreclosure process in XX/XX/XXXX they refused also to fix the issues and follow court orders. We had to file bankruptcy in XX/XX/XXXX. XXXX, pulls our home from the bankruptcy court. Because if, the judge had opened a investigation they would have found our mortgage was unsecured. Due to how many times between XXXX and XXXX had sold our loan to different companies. XXXX, never sent me how to pay them. Well XXXX then files bankruptcy in XX/XX/XXXX. XXXX files a emergency hearing in XX/XX/XXXX.Using XXXX XXXX  XXXX XXXX as attorney/debt collector. We finally get information in how to pay them and a court order to pay them directly using a certain account number. We follow the order starting XX/XX/XXXX we was ordered to pay attorney fees, get our own insurance, and pay them directly. XXXX, never entered it into their system. XX/XX/XXXX we get a illegal eviction notice. I filed another cfpb complaint. XXXX, violated my automatic stay, refused to follow court orders numerous times, filed an ap hearing, violating truth in lending, false court documents, illegal foreclosure, personal injury, willful malicious injury and fraud. Lost my pay raise, my wife put on watch at work, had a wreck totaled my car on XXXX XXXX forced to borrow a car to get to and from work till this day, my son who is autistic wrote a suicide note and forced to move schools, almost divorced my wife, my daughter forced to change schools. We finally get an ap attorney. XXXX, refused to settle again. Cfpb, refused to do their job an protect consumers as well. XXXX files bankruptcy again right before my hearing in XXXX or XXXX. Sends my a request to change my account information. I call to find out how. XXXX, let me hear my account information and they took my XXXX XXXX payment which was for my XX/XX/XXXX payment put it towards forced placed insurance. Filed another cfpb complaint nothing done again. Since, this happened after they filed bankruptcy. They send me a 410 claim. I requested my title, and XXXX XXXX dollars. For fraud and willful malicious injury. Which trumps their bankruptcy. Ap hearing went on until XXXX of XXXX and in court I told judge XXXX XXXX in front of their attorney XXXX XXXX that I refuse to continue to pay them until they settle due to all the court order violations and the refusal to settle. Now my loan has been transferred to shellpoint and they are using a 3rd party vendor to contact people about their loans. I have called them since XXXX XXXX when I recieved my letter stating they were getting my loan. Told them my loan was illegal, fraud, willful malicious injury, had a 410 claim attached, and my title must be sent to me immediately. XXXX XXXX was supposed to settle with me before XX/XX/XXXX. She has not made a effort as of currently to fix this mess. I told shellpoint to call me back ever since XX/XX/XXXX they have refused. As you know once they sent it to a 3rd party for information as they did today. That violated my stay again since they accepted the illegal transfer and made the liable for my request in my 410 claim. In more than one occasion they have said a person will contact me within 48. Last week it was 5 days I called back let them know no one contacted me. They still haven't and now use a 3rd party to contact me requesting my mailing address and phone information. I told them contact my bankruptcy attorney XXXX XXXX and tell shellpoint to sent me my title by XX/XX/XXXX along with my 410 claim paid in full by then also. I am tired of the cfpb and these clowns getting away with breaking the law.","date_sent_to_company":"2020-03-20T23:48:01.000Z","issue":"Trouble during payment process","sub_product":"Other type of mortgage","zip_code":"350XX","tags":null,"has_narrative":true,"complaint_id":"3574752","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2020-03-20T22:59:57.000Z","state":"AL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["My loan was transferred to shellpoint a debt <em>collection</em> mortgage company. They recieved it from XXXX. XXXX, <em>illegally</em> foreclose on us. They never owned 100 percent of our loan. They recieved it from XXXX. Under court order XXXX was supposed to make all accounts correct after cfpb ruling XX/XX/XXXX. Instead of following court orders XXXX continued the <em>illegal</em> and abusive debt <em>collection</em> practices."]},"sort":[15.080535,"3574752"]},{"_index":"complaint-public-v1","_id":"2429842","_score":14.955612,"_source":{"product":"Debt collection","complaint_what_happened":"Currently, my husband and I are being sued by a law firm representing the City  XXXX   XXXX  Water department. We filed a Chapter  XXXX  in   XXXX   XXXX    . Our rental property was included in this bankruptcy. However, fro m   XXXX  - XXXX  un til the bank took possession of the house, we were charged for the non-meter water account. We received notification from the  City reg arding this debt. Each time we forwarded the information to our Bankruptcy attorney who assured us that he would handle it. Clearly, they did n't take care of it because we was later sue d two yea rs after our BR was  discharged. I  'm being ignored by the water department and the attorney working on behalf of the  City of   XXXX  is trying to use a sledge hammer approach to handle this account. Moreover, I 'm filing this complaint against  XXXX   XXXX  because he committed an ILLEGAL ACT under the Fair Debt Collection Practices Act ( FDCPA ) by stating twice in an email.  XXXX   XXXX , falsely claimed that because the debt was tra nsferred ( a judgement entered against us ) was final and there was nothing we could do because our time have lapsed. Therefore, we lost our de fense. Which was a total fabrication on  XXXX   XXXX  's behalf. The fact is, we still had the opportunity to file a motion to set aside the default with the  City o f  XXXX , which we did.","date_sent_to_company":"2017-04-21T17:59:10.000Z","issue":"False statements or representation","sub_product":"Other (i.e. phone, health club, etc.)","zip_code":"60652","tags":null,"has_narrative":true,"complaint_id":"2429842","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Linebarger Goggan Blair & Sampson LLP","date_received":"2017-04-11T23:15:58.000Z","state":"IL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Indicated shouldn't respond to lawsuit"},"highlight":{"complaint_what_happened":["Moreover, I 'm filing this complaint against  XXXX   XXXX  because he committed an <em>ILLEGAL</em> ACT under the Fair Debt <em>Collection</em> Practices Act ( FDCPA ) by stating twice in an email.  XXXX   XXXX , falsely claimed that because the debt was tra nsferred ( a judgement entered against us ) was final and there was nothing we could do because our time have lapsed. Therefore, we lost our de fense. <em>Which</em> was a <em>total</em> fabrication on  XXXX   XXXX  's behalf."],"product":["Debt <em>collection</em>"]},"sort":[14.955612,"2429842"]},{"_index":"complaint-public-v1","_id":"7241298","_score":14.876144,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/XXXX I ordered my credit report, and looked through it thoroughly. I was shocked to learn I had several collection accounts listed on my credit report. I decided to reach out to the collection agencies for clarification on the alleged debt they insisted I owed. Unsatisfied with the outcome from speaking with the collection agency, I decided to reach out to the original creditors. It was then I learned in great detail about the alleged debt, details I either could not get from the collection agencies or when I did receive information from them was totally inaccurate. It was then the discrepancies became apparent, these discrepancies I will list below. \n\nI C System is listed on my credit report as the collection agency for XXXX, XXXX merged with XXXX on XX/XX/XXXX. I called XXXX for clarification of the alleged debt I C Systems listed on my credit report in the amount of {$1200.00}. XXXX had no recollection of the debt with I C System. XXXX however has another collection agency XXXX XXXX XXXX ( I wrote a separate complaint for this collection agency ) collecting the alleged debt on behalf of XXXX ( which is now XXXX ) in a different amount of {$460.00}. How can two ( 2 ) different collection agency attempt to collect an alleged debt for the same creditor in two ( 2 ) different amounts? I have had the same phone number for at XXXX years, In addition to this according to XXXX, as evidence by the recorded conversation I attached to this complaint. I C System is Re-aging this fraudulent account. ( IC Systems should not be attempting to collect according to XXXX, as they are NOT the collection agency who is in possession of the debt ). XXXX  Date of last activity is XX/XX/XXXX ( as evident by the recorded phone conversation with XXXX  ) On my credit report I C Systems has the date of last activity as XX/XX/XXXX on XXXX and XXXX XXXX XXXX XXXX. This is a grave injustice and totally illegal. According to Fair Credit Reporting Act { FCRA } If you are a debt collector furnishing information to a CRA about the accounts of a creditor, you must report the date of delinquency given to you by the CREDITOR FCRA 623 ( a ) ( 5 ) ( A ) This \" date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. Generally, a CRA may report a delinquent debt for seven years from the date of delinquency. If the debt was discharged in bankruptcy, however, a CRA may report it for 10 years. I have never had a bankruptcy.","date_sent_to_company":"2023-07-12T23:24:44.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"11226","tags":null,"has_narrative":true,"complaint_id":"7241298","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"I.C. System, Inc.","date_received":"2023-07-12T22:46:31.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["If the debt was discharged in <em>bankruptcy</em>, however, a CRA may report it for 10 years. I have never had a <em>bankruptcy</em>."],"product":["Debt <em>collection</em>"],"sub_issue":["Debt was already discharged in <em>bankruptcy</em> and is no longer owed"]},"sort":[14.876144,"7241298"]},{"_index":"complaint-public-v1","_id":"5208029","_score":14.662202,"_source":{"product":"Debt collection","complaint_what_happened":"I am a 29 year service member who have given years to this country and is being treated horribly by my own organization. I had an account with the Army and Air Force Exchange Service since XXXX and was in good standing until I had an emergency health crisis in XXXX. I had an account balance of {$4400.00} ( XXXX ) with a credit limit of {$7400.00} which I paid regularly. When I had my emergency XXXX XXXX I hired a organization to handle my financial situation since I wasn't able to and unfortunately they didn't keep their policy, took my money, I lost my home and they filed numerous bankruptcies illegally. After I regained my health I became aware of the financial situation the organization put me in and started reaching out to my creditors. None of them including Military Star would not talk to me because of my \" bankruptcy status ''. Thankfully the US trustee became involved and took my case to court and won. I tried to reach out and explain several times to Military Star that I wanted to resume payments on my account and they refused to accept my payment due to the bankruptcy situation even though I explained my identity was compromised and those were not legal bankruptcies. I have been charged interest for years without them being willing to take monthly payments from me even to this every month for a situation I didn't cause. My total has risen to {$6900.00} almost {$3000.00} in fees. How is my account in collections but I'm still being charged interest years later? Even before the account was put into collections they would not let me resume monthly payments. It is reported on my credit report that I made a payment in ( yet it isn't reported in the payment block, so many deceptive practices ) XXXX I haven't made one payment since XXXX. When I request to make payment or request documents showing they can charge interest on a collection the representatives were rude, refused to work with me and threatened me ( told me they are the government ). I have never been treated so badly by a business. I have a block on my SSN and can not use the Post Exchange that is supposed to be for me. Now they are also taking my tax returns this is totally ruining my chances of getting a place to live as I am now homeless. Because this is on my credit I can't even get a place to live. I will be filing a complaint with the XXXX XXXX XXXX and whoever else I need to because Noone especially a service member should be treated this way. I am discomposed and disillusioned by XXXX XXXX and XXXX because it is supposed to be supporting the service members and their families.","date_sent_to_company":"2022-02-10T15:26:10.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"23602","tags":null,"has_narrative":true,"complaint_id":"5208029","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Army and Air Force Exchange Service","date_received":"2022-02-10T14:58:25.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I had an account balance of {$4400.00} ( XXXX ) with a credit limit of {$7400.00} <em>which</em> I paid regularly. When I had my emergency XXXX XXXX I hired a organization to handle my financial situation since I wasn't able to and unfortunately they didn't keep their policy, took my money, I lost my home and they filed numerous <em>bankruptcies</em> <em>illegally</em>. After I regained my health I became aware of the financial situation the organization put me in and started reaching out to my creditors."],"product":["Debt <em>collection</em>"]},"sort":[14.662202,"5208029"]},{"_index":"complaint-public-v1","_id":"4154086","_score":14.364553,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Submitting my Complaint AGAIN and WILL CONTINUE to do so EVERY DAY until SOMEONE LOOKS at the documents and these two companies are REMOVED from my report or at the VERY least, reported CORRECTLY!!! \nDue to an injury, I am NO LONGER ABLE to work. Under my chapter XXXX, I lost my business, my retirement, everything I had. The judge declared by case to be a hardship case and ruled that even the student loan to XXXX was discharged. XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, at one point they had reported the account to all the credit bureaus as CLOSED/CHAPTER XXXX BANKRUPTCY. \n2 years later, they decide to pass it off AFTER DISCHARGED BANKRUPTCY to a XXXX  for \" collection '', which is totally ILLEGAL! Now, both XXXX AND XXXX are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE! It is bad enough that my credit report is showing a bankruptcy that hurts me, but to now have these TWO companies reporting FALSE information and CONTINUING to get away with what is a CLEAR violation, is just baffling and infuriating to me! That has the ENTIRE point of Chapter XXXX and DEFEATS the purpose! \nI am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am about to file a lawsuit and I will drag in every doctor, judge and person I know for the pain and infliction these companies are causing to me over my credit report. I have had ENOUGH! \nHOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? \nLOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! \n\nTHE DISCHARGE PAPER FROM THE COURT IS CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!!","date_sent_to_company":"2021-02-21T05:53:01.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"99504","tags":null,"has_narrative":true,"complaint_id":"4154086","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-02-21T00:48:38.000Z","state":"AK","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, at one point they had reported the account to all the credit bureaus as CLOSED/CHAPTER XXXX <em>BANKRUPTCY</em>. \n2 years later, they decide to pass it off AFTER DISCHARGED <em>BANKRUPTCY</em> to a XXXX  for \" <em>collection</em> '', <em>which</em> is <em>totally</em> <em>ILLEGAL</em>! Now, both XXXX AND XXXX are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE!"]},"sort":[14.364553,"4154086"]},{"_index":"complaint-public-v1","_id":"4169191","_score":14.347394,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Once again, I submitted my complaint, and once again, XXXX less than 2 days sent a message saying they were \" investigating '' and then sent an email saying it was \" updated '', but did NOTHING! It is like NO ONE is actually LOOKING or READING any of the attachments, including the discharge from the BANKRUPTCY COURT showing ALL Student loans, including XXXX were discharged. It was discharged due to hardship because of an injury. \n\nNot ONLY did XXXX turn around and SELL OFF the discharged debt for someone ele to try and collect on AFTER discharge, which is illegal, PHEAA is now claiming I owe {$20000.00} addtional in fees. ( HA HA HA HA HA HA HA ). AS IF! In 3 years it went from {$21000.00} to {$43000.00}? That's AMAZING! \n\nAs previously stated. I will submit all my paperwork EVERY DAY until THIS IS PROPERLY taken care of as it is FRAUD and WRONG! it goes against EVERYTHING CFPB is set up to do and so much for protection to me under Federal law!!!!!! These companies are getting away with breaking FEDERAL BANKRUPTCY LAWS and NO ONE seems to give a XXXX! I am XXXX and XXXX and this is incredibly frustrating to have to explain the obvious and NO ONE READS!!!! \n\nSubmitting my Complaint AGAIN and WILL CONTINUE to do so EVERY DAY until SOMEONE LOOKS at the documents and these two companies are REMOVED from my report or at the VERY least, reported CORRECTLY!!! \nDue to an injury, I am NO LONGER ABLE to work. Under my chapter XXXX I lost my XXXX, my retirement, everything I had. The judge declared by case to be a hardship case and ruled that even the student loan to XXXX was discharged. XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, at one point they had reported the account to all the credit bureaus as CLOSED/CHAPTER XXXX  BANKRUPTCY. \n2 years later, they decide to pass it off AFTER DISCHARGED BANKRUPTCY to a PHEAA for \" collection '', which is totally ILLEGAL! Now, both PHEAA AND XXXX are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE! It is bad enough that my credit report is showing a bankruptcy that hurts me, but to now have these TWO companies reporting FALSE information and CONTINUING to get away with what is a CLEAR violation, is just baffling and infuriating to me! That has the ENTIRE point of Chapter XXXX  and DEFEATS the purpose! \nI am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am about to file a lawsuit and I will drag in every doctor, judge and person I know for the pain and infliction these companies are causing to me over my credit report. I have had ENOUGH! \nHOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? \n\nLOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! \n\nTHE DISCHARGE PAPER FROM THE COURT IS CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!!","date_sent_to_company":"2021-02-26T21:29:22.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"99504","tags":null,"has_narrative":true,"complaint_id":"4169191","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AES/PHEAA","date_received":"2021-02-26T20:24:54.000Z","state":"AK","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, at one point they had reported the account to all the credit bureaus as CLOSED/CHAPTER XXXX  <em>BANKRUPTCY</em>. \n2 years later, they decide to pass it off AFTER DISCHARGED <em>BANKRUPTCY</em> to a PHEAA for \" <em>collection</em> '', <em>which</em> is <em>totally</em> <em>ILLEGAL</em>! Now, both PHEAA AND XXXX are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE!"]},"sort":[14.347394,"4169191"]},{"_index":"complaint-public-v1","_id":"4174899","_score":14.343243,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Once again, I submitted my complaint, and once again, less than 2 days sent a message saying they were \" investigating '' and then sent an email saying it was \" updated '', but did NOTHING! It is like NO ONE is actually LOOKING or READING any of the attachments, including the discharge from the BANKRUPTCY COURT showing ALL Student loans, including XXXX were discharged. It was discharged due to hardship because of an injury. \nNot ONLY did XXXX turn around and SELL OFF the discharged debt for someone else to try and collect on AFTER discharge, which is illegal, XXXX is now claiming I owe {$20000.00} additional in fees. In 3 years it went from {$21000.00} to {$43000.00}? That's AMAZING! \nAs previously stated. I will submit all my paperwork EVERY DAY until THIS IS PROPERLY taken care of as it is FRAUD and WRONG! it goes against EVERYTHING CFPB is set up to do and so much for protection to me under Federal law!!!!!! These companies are getting away with breaking FEDERAL BANKRUPTCY LAWS and NO ONE seems to give a XXXX! I am injured and XXXX and this is incredibly frustrating to have to explain the obvious and NO ONE READS!!!! \nSubmitting my Complaint AGAIN and WILL CONTINUE to do so EVERY DAY until SOMEONE LOOKS at the documents and these two companies are REMOVED from my report or at the VERY least, reported CORRECTLY!!! \nDue to an injury, I am NO LONGER ABLE to work. Under my chapter XXXX, I lost my business, my retirement, everything I had. The judge declared by case to be a hardship case and ruled that even the student loan to XXXX was discharged. XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, at one point they had reported the account to all the credit bureaus as CLOSED/CHAPTER XXXX BANKRUPTCY. \n2 years later, they decide to pass it off AFTER DISCHARGED BANKRUPTCY to a PHEAA for \" collection '', which is totally ILLEGAL! Now, both XXXX AND XXXX  are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE! It is bad enough that my credit report is showing a bankruptcy that hurts me, but to now have these TWO companies reporting FALSE information and CONTINUING to get away with what is a CLEAR violation, is just baffling and infuriating to me! That has the ENTIRE point of Chapter XXXX and DEFEATS the purpose! \nI am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am about to file a lawsuit and I will drag in every doctor, judge and person I know for the pain and infliction these companies are causing to me over my credit report. I have had ENOUGH! \nHOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? \nLOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! \n\nTHE DISCHARGE PAPER FROM THE COURT IS CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!!","date_sent_to_company":"2021-03-01T21:14:24.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"99504","tags":null,"has_narrative":true,"complaint_id":"4174899","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-03-01T20:15:02.000Z","state":"AK","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":["XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, at one point they had reported the account to all the credit bureaus as CLOSED/CHAPTER XXXX <em>BANKRUPTCY</em>. \n2 years later, they decide to pass it off AFTER DISCHARGED <em>BANKRUPTCY</em> to a PHEAA for \" <em>collection</em> '', <em>which</em> is <em>totally</em> <em>ILLEGAL</em>! Now, both XXXX AND XXXX  are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE!"]},"sort":[14.343243,"4174899"]},{"_index":"complaint-public-v1","_id":"4175119","_score":14.342243,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Once again, I submitted my complaint, and once again, less than 2 days sent a message saying they were \" investigating '' and then sent an email saying it was \" updated '', but did NOTHING! It is like NO ONE is actually LOOKING or READING any of the attachments, including the discharge from the BANKRUPTCY COURT showing ALL Student loans, including XXXX  were discharged. It was discharged due to hardship because of an injury. \nNot ONLY did XXXX turn around and SELL OFF the discharged debt for someone else to try and collect on AFTER discharge, which is illegal, XXXX is now claiming I owe {$20000.00} additional in fees. In 3 years it went from {$21000.00} to {$43000.00}? That's AMAZING! \nAs previously stated. I will submit all my paperwork EVERY DAY until THIS IS PROPERLY taken care of as it is FRAUD and WRONG! it goes against EVERYTHING CFPB is set up to do and so much for protection to me under Federal law!!!!!! These companies are getting away with breaking FEDERAL BANKRUPTCY LAWS and NO ONE seems to give a XXXX! I am injured and disabled and this is incredibly frustrating to have to explain the obvious and NO ONE READS!!!! \nSubmitting my Complaint AGAIN and WILL CONTINUE to do so EVERY DAY until SOMEONE LOOKS at the documents and these two companies are REMOVED from my report or at the VERY least, reported CORRECTLY!!! \nDue to an injury, I am NO LONGER ABLE to work. Under my chapter XXXX, I lost my business, my retirement, everything I had. The judge declared by case to be a hardship case and ruled that even the student loan to XXXX was discharged. XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, at one point they had reported the account to all the credit bureaus as CLOSED/CHAPTER XXXX BANKRUPTCY. \n2 years later, they decide to pass it off AFTER DISCHARGED BANKRUPTCY to a XXXX  for \" collection '', which is totally ILLEGAL! Now, both XXXX AND XXXX  are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE! It is bad enough that my credit report is showing a bankruptcy that hurts me, but to now have these TWO companies reporting FALSE information and CONTINUING to get away with what is a CLEAR violation, is just baffling and infuriating to me! That has the ENTIRE point of Chapter XXXX and DEFEATS the purpose! \nI am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am about to file a lawsuit and I will drag in every doctor, judge and person I know for the pain and infliction these companies are causing to me over my credit report. I have had ENOUGH! \nHOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? \nLOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! \n\nTHE DISCHARGE PAPER FROM THE COURT IS CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!!","date_sent_to_company":"2021-03-01T21:18:17.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"99504","tags":null,"has_narrative":true,"complaint_id":"4175119","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-03-01T21:14:54.000Z","state":"AK","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, at one point they had reported the account to all the credit bureaus as CLOSED/CHAPTER XXXX <em>BANKRUPTCY</em>. \n2 years later, they decide to pass it off AFTER DISCHARGED <em>BANKRUPTCY</em> to a XXXX  for \" <em>collection</em> '', <em>which</em> is <em>totally</em> <em>ILLEGAL</em>! Now, both XXXX AND XXXX  are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE!"]},"sort":[14.342243,"4175119"]},{"_index":"complaint-public-v1","_id":"1297939","_score":14.181156,"_source":{"product":"Credit card","complaint_what_happened":"Received Capital One charge card offer XXXX. Applied, was accepted ( {$500.00} limit ), activated card and used for XXXX presents. Charge card # XXXX. Right after activating card ... Capital One sent me another card with same {$500.00} limit ... never activated ... never used that card. First bill from above card # came due XXXX and minimum payment due was {$15.00}. I sent in {$20.00} via USPMO and sent in before due date. With the XXXX non-activated, non used credit card ... ..they also sent me bill for some yearly fees when never even activated the card. So called them up ... ... .told them did not want the card and sent back to them. Well ... .get my next bill from the card # above ( XXXX ) ... .they did not credit me for the {$20.00} payment and charged me outrageous over the limit fees, late fees, etc ... and now {$70.00} payment due. So, I called up, their rep stated they accidentally applied my {$20.00} payment to wrong account number and would be corrected. So, I sent in a {$70.00} payment via USPMO along with note to make sure account corrected and both payments applied to correct account number ( minimum due and wanted to keep that card and also repair my credit from bankruptcy in XXXX or XXXX. ) So ... XXXX bill came in the mail ... .and once again ... ..they did not apply my payment of {$70.00}, nor the previous payment of {$20.00} ... .which they stated they would correct. They charged me more outrageous over the limit fees, late fees, etc, along with some stupid note about \" spreading yourself too thin. '' I thought wow ... .this is total bs ... ..so I called numerous times, wrote numerous times ... with no success of them correcting my account, when they acknowledged their mistake ( s ) ... ... then they wanted {$120.00} for minimum payment ... .I thought this is totally illegal. Sent my payments in on time and sent in more than minimum to even begin with. Kept calling and writing, with no resolution like they stated. I totally quit paying at that point ... Did not know what else to do at that time. Sometime around end of XXXX started getting threatening phone calls from some collection agency ... ... I mean really threatening. Like about every other day. Well, I ended up extremely ill, in and out of hospitals around that time, doctors, more hospitals, XXXX, XXXX, XXXX ... ..etc ... ..ended up in XXXX and XXXX entire summer, due to XXXX, XXXX ( XXXX at time ) XXXX ... XXXX, XXXX, and more ( Have all the records. ) Anyway ... come XXXX or XXXX, XXXX, XXXX, XXXX put a freeze on my bank account. ( currently XXXX XXXX ... Never knew took me to court & did an illegal Judgement. Called Capital One ... they new NOTHING ... Called XXXX etc..asked for verification XXXX XXXX ), etc..of my account, payments, court order, etc. Did receive back some info of my account. It clearly shows that they put my more than minimum payments onto a totally different account ... ..I now have the proof, of their illegal practices regarding Capital One and XXXX, XXXX and XXXX. I also have my stubs from my payments sent to them via USPMO for further proof. Now, just recently I have been calls at my home from unknown number stating to call XXXX stating something to the effect of ( my name ) and \" property at ( my home ) address '' being sent from the clerks office. My Mother, who is owner of this home, has also been getting such calls and days in row ... regarding me and the \" property at ( my home address. ) and clerk of court. Now she is the owner of this home which we rent ... and her property has nothing to do with my Capital One account which they totally illegally screwed me on..along with XXXX, XXXX XXXX XXXX illegal collection practices. So, I did look on website, and the Attorney for XXXX, XXXX, XXXX did do a Judgement renewal previous to us getting these harassing, threatening, illegal calls. Need help here.","date_sent_to_company":"2015-03-30T15:25:17.000Z","issue":"Other","sub_product":null,"zip_code":"440XX","tags":null,"has_narrative":true,"complaint_id":"1297939","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2015-03-24T15:26:03.000Z","state":"OH","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Now she is the owner of this home <em>which</em> we rent ... and her property has nothing to do with my Capital One account <em>which</em> they <em>totally</em> <em>illegally</em> screwed me on..along with XXXX, XXXX XXXX XXXX <em>illegal</em> <em>collection</em> practices. So, I did look on website, and the Attorney for XXXX, XXXX, XXXX did do a Judgement renewal previous to us getting these harassing, threatening, <em>illegal</em> calls. Need help here."]},"sort":[14.181156,"1297939"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":119,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":119}]}},"product":{"doc_count":119,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt collection","doc_count":43,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":18},{"key":"Mortgage debt","doc_count":8},{"key":"Other debt","doc_count":8},{"key":"Other (i.e. phone, health club, etc.)","doc_count":4},{"key":"Medical debt","doc_count":3},{"key":"Auto debt","doc_count":1},{"key":"Private student loan debt","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":22,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit 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