{"took":63,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":83,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"15556619","_score":16.54824,"_source":{"product":"Mortgage","complaint_what_happened":"I am filing this complaint regarding my mortgage with New American Funding. I have been a borrower for approximately ten years and have paid XXXX XXXXXXXX/month in private mortgage insurance ( PMI ), totaling close to {$60000.00}.\n\nMy current loan balance is approximately {$640000.00}, and my home is valued at {$850000.00} based on a recent independent appraisal I paid for ( ~ {$400.00} ). This places my loan-to-value ratio at about 75 %, well under the 80 % threshold required under the Homeowners Protection Act for borrower-requested PMI cancellation.\n\nI submitted a written request for PMI removal with the appraisal included. Despite meeting the equity requirements, my request was denied solely because of a payment arrangement I entered into in XXXX after the passing of my father. I had to fly internationally and cover funeral expenses, and New American Funding agreed to place me on a short-term payment arrangement for three to four months. Importantly : I have not missed a mortgage payment in nearly two years.\n\nDuring the arrangement, I continued paying the loan ; the account was never abandoned or unpaid.\n\nThis was a lender-approved hardship accommodation, not a delinquency.\n\nDespite this, New American Funding is treating the arrangement as though it constitutes a late payment under the good payment history requirement of the Homeowners Protection Act. I believe this interpretation is unfair and contrary to the spirit of the law, which is designed to protect borrowers once they have reached sufficient equity.\n\nRequested Resolution : Immediate review and reconsideration of my PMI cancellation request.\n\nConfirmation that my payment arrangement does not disqualify me from good payment history since no payments were missed and the arrangement was approved by the lender.\n\nRefund of excess PMI charges if the cancellation should have been granted when my loan reached the required loan-to-value threshold.\n\nI am requesting the CFPBs assistance to ensure this matter is handled fairly and in compliance with federal law.","date_sent_to_company":"2025-08-27T04:23:59.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"90069","tags":null,"has_narrative":true,"complaint_id":"15556619","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BROKER SOLUTIONS, INC.","date_received":"2025-08-27T04:00:01.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Private mortgage insurance (PMI)"},"highlight":{"complaint_what_happened":["Confirmation that my payment <em>arrangement</em> does not disqualify me from good payment history since no payments were missed and the <em>arrangement</em> was <em>approved</em> by the lender.\n\nRefund of excess PMI charges if the cancellation should have been granted when my loan reached the required loan-to-value threshold.\n\nI am requesting the CFPBs assistance to ensure this matter is handled fairly and in <em>compliance</em> with federal law."]},"sort":[16.54824,"15556619"]},{"_index":"complaint-public-v1","_id":"6636598","_score":16.28935,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"This is with Remitly I had an account with them to make money transfers to friends and family since XXXX. I did not use it for the last few years. \nI tried to schedule a transfer in XX/XX/XXXX and logged into the account and scheduled a transfer and was promised the delivery in 2 hours. \n\nI then got a call from them that I need to provide passport for compliance as there was a second account created in XXXX. No further details were provided. I had no idea of what constitutes a second account ( Is it SSN based or combination of some other information ). \nI then provided the passport copy and asked how long it will take. \nI was told it will take 24 to 48 hours. I told her to go ahead with compliance but not with transfer as I will look into alternate arrangements for the money transfer. \n\nI then made alternate arrangements by sending the money using friends. \n\nI then got a call after a couple of hours and was told that the compliance is approved. \nI said I will need to confirm by logging into my account on my computer. \nBy the time I did that, they went ahead with the transfer anyway and debited my bank account. \nI am concerned that they talked about a duplicate account only after I logged into my account and started and completed a transfer request and not when the duplicate account was created a few years back.","date_sent_to_company":"2023-03-01T13:33:07.000Z","issue":"Other transaction problem","sub_product":"International money transfer","zip_code":"30024","tags":null,"has_narrative":true,"complaint_id":"6636598","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Remitly, Inc.","date_received":"2023-03-01T13:23:25.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I told her to go ahead with <em>compliance</em> but not with transfer as I will look into alternate <em>arrangements</em> for the money transfer. \n\nI then made alternate <em>arrangements</em> by sending the money using friends. \n\nI then got a call after a couple of hours and was told that the <em>compliance</em> is <em>approved</em>. \nI said I will need to confirm by logging into my account on my computer. \nBy the time I did that, they went ahead with the transfer anyway and debited my bank account."]},"sort":[16.28935,"6636598"]},{"_index":"complaint-public-v1","_id":"18594712","_score":15.250537,"_source":{"product":"Debt collection","complaint_what_happened":"I entered into a court-approved settlement agreement on XX/XX/year> regarding this account. The case was dismissed without prejudice contingent upon timely monthly payments, which I have been making through LVNV Fundings law firm, XXXX XXXX XXXX XXXX XXXX XXXX \n\nDespite timely payments under this agreement, LVNV Funding is reporting the account as unpaid since XXXX, which is inaccurate and misleading. This reporting does not reflect the active repayment plan or payment history and is damaging my credit. \n\nI am requesting that LVNV Funding immediately correct the account status to reflect an active repayment/payment arrangement with an accurate balance, or remove the tradeline if it can not be accurately verified, in compliance with the Fair Credit Reporting Act.","date_sent_to_company":"2026-01-09T11:47:11.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"34714","tags":null,"has_narrative":true,"complaint_id":"18594712","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2026-01-09T11:33:19.000Z","state":"FL","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I am requesting that LVNV Funding immediately correct the account status to reflect an active repayment/payment <em>arrangement</em> with an accurate balance, or remove the tradeline if it can not be accurately verified, in <em>compliance</em> with the Fair Credit Reporting Act."]},"sort":[15.250537,"18594712"]},{"_index":"complaint-public-v1","_id":"13351466","_score":14.976674,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint regarding inaccurate mortgage reporting by XXXX XXXX ( XXXX XXXX  ) to TransUnion, which has caused a significant and unjustified drop in my credit score. \n\nDue to a natural disaster, I was approved by XXXX XXXX for a forbearance period, during which no mortgage payments were due. According to the terms of this agreement, my payments were not scheduled to resume until XX/XX/2025. I later applied for, and was approved for, a loan deferralformally moving the forbearance-period balance to the end of my mortgage term. I have written documentation from XXXX XXXX confirming both the forbearance and the deferral. \n\nDespite complying fully with the agreed terms, TransUnion is reporting that I am XXXX days delinquent on my mortgage, which is false. This negative entry has resulted in a credit score drop of over XXXX XXXX  on TransUnion. Importantly, XXXX  and XXXX  have accurately reflected the forbearance arrangement and are not reporting me as delinquent. \n\nTo further demonstrate my compliance and good faith, I proactively made a {$6000.00} payment in XX/XX/2025 toward my forbearance balance, even though my payments were not due to resume at that time. This payment is not being reflected in TransUnions reporting, nor has XXXX XXXX acknowledged it in any way that would have prevented this negative credit impact. \n\nI contacted TransUnion and filed a formal dispute. In addition, I attempted to obtain a written statement from XXXX XXXX confirming that they reported inaccurate information. Unfortunately, XXXX XXXX failed to provide such a statement or accept responsibility for the reporting error. \n\nThis misreporting violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), which requires furnishers of information to report accurate data, and 1681s-2 ( b ), which requires a reasonable investigation of disputed information. \n\nI am requesting that the CFPB intervene to ensure XXXX XXXX : Acknowledges and corrects the inaccurate information reported to TransUnion ; Provides confirmation that the delinquency has been removed from my credit file ; Ensures that all credit bureaus reflect the accurate, non-delinquent forbearance and deferral status. \n\nThis misinformation has harmed my financial standing and was reported despite my documented compliance with XXXX XXXX approved arrangements.","date_sent_to_company":"2025-05-06T02:51:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"29646","tags":null,"has_narrative":true,"complaint_id":"13351466","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-06T02:50:48.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am requesting that the CFPB intervene to ensure <em>XXXX</em> <em>XXXX</em> : Acknowledges and corrects the inaccurate information reported to TransUnion ; Provides confirmation that the delinquency has been removed from my credit file ; Ensures that all credit bureaus reflect the accurate, non-delinquent forbearance and deferral status. \n\nThis misinformation has harmed my financial standing and was reported despite my documented <em>compliance</em> with <em>XXXX</em> <em>XXXX</em> <em>approved</em> <em>arrangements</em>."]},"sort":[14.976674,"13351466"]},{"_index":"complaint-public-v1","_id":"13352544","_score":14.909005,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint regarding inaccurate mortgage reporting by Mr. Cooper ( Nationstar Mortgage ) to XXXX, which has caused a significant and unjustified drop in my credit score.\n\nDue to a natural disaster, I was approved by Mr. Cooper for a forbearance period, during which no mortgage payments were due. According to the terms of this agreement, my payments were not scheduled to resume until XX/XX/year>. I later applied for, and was approved for, a loan deferralformally moving the forbearance-period balance to the end of my mortgage term. I have written documentation from Mr. Cooper confirming both the forbearance and the deferral. \n\nDespite complying fully with the agreed terms, XXXX  is reporting that I am 120 days delinquent on my mortgage, which is false. This negative entry has resulted in a credit score drop of over XXXX points on XXXX. Importantly, XXXX  and XXXX  have accurately reflected the forbearance arrangement and are not reporting me as delinquent. \n\nTo further demonstrate my compliance and good faith, I proactively made a {$6000.00} payment in XX/XX/year> toward my forbearance balance, even though my payments were not due to resume at that time. This payment is not being reflected in XXXX reporting, nor has Mr. Cooper acknowledged it in any way that would have prevented this negative credit impact. \n\nI contacted XXXX and filed a formal dispute. In addition, I attempted to obtain a written statement from Mr. Cooper confirming that they reported inaccurate information. Unfortunately, Mr. Cooper failed to provide such a statement or accept responsibility for the reporting error. \n\nThis misreporting violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), which requires furnishers of information to report accurate data, and 1681s-2 ( b ), which requires a reasonable investigation of disputed information. \n\nI am requesting that the CFPB intervene to ensure Mr. Cooper : Acknowledges and corrects the inaccurate information reported to XXXX  ; Provides confirmation that the delinquency has been removed from my credit file ; Ensures that all credit bureaus reflect the accurate, non-delinquent forbearance and deferral status. \n\nThis misinformation has harmed my financial standing and was reported despite my documented compliance with XXXX XXXX approved arrangements.","date_sent_to_company":"2025-05-06T02:51:11.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"29646","tags":null,"has_narrative":true,"complaint_id":"13352544","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2025-05-06T02:24:57.000Z","state":"SC","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Cooper : Acknowledges and corrects the inaccurate information reported to <em>XXXX</em>  ; Provides confirmation that the delinquency has been removed from my credit file ; Ensures that all credit bureaus reflect the accurate, non-delinquent forbearance and deferral status. \n\nThis misinformation has harmed my financial standing and was reported despite my documented <em>compliance</em> with <em>XXXX</em> <em>XXXX</em> <em>approved</em> <em>arrangements</em>."]},"sort":[14.909005,"13352544"]},{"_index":"complaint-public-v1","_id":"17183708","_score":13.113096,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Dispute of Incorrect Late Payment Reporting Account XXXX XXXXXXXX Dear Bridgcrest, I am writing to dispute the late payment reported for XX/XX/year> on my account. During XXXX period, I was under an approved XXXX payment relief arrangement in compliance with the XXXX  Act. \n\nThe account was opened on XX/XX/year>, at XXXX in XXXX. When the car was purchased, I gave a deposit on the day of purchase for the XXXX payment. Both XXXX and XXXX payment was made. This would mean XX/XX/year> was NOT late and misfiled with the credit agencies. \n\nI contacted Bridgecrest many times over the last year. I have been told by XXXX I need to dispute the inaccuracy with XXXX XXXX  and XXXX. When I dispute the late payment, the credit agencies come back every time saying, \" amounts have been verified by the creditor. '' It seems to be an AI generated response. \n\nPlease correct my credit reports with XXXX XXXX XXXX XXXX. Please confirm in writing that the late payments have been removed from XXXX  credit bureaus. \n\nSincerely, XXXX XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia","date_sent_to_company":"2025-11-12T23:14:25.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30341","tags":null,"has_narrative":true,"complaint_id":"17183708","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bridgecrest Acceptance Corporation","date_received":"2025-11-12T23:14:01.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Subject : Dispute of Incorrect Late Payment Reporting Account <em>XXXX</em> XXXXXXXX Dear Bridgcrest, I am writing to dispute the late payment reported for XX/XX/year> on my account. During <em>XXXX</em> period, I was under an <em>approved</em> <em>XXXX</em> payment relief <em>arrangement</em> in <em>compliance</em> with the <em>XXXX</em>  Act. \n\nThe account was opened on XX/XX/year>, at <em>XXXX</em> in <em>XXXX</em>. When the car was purchased, I gave a deposit on the day of purchase for the <em>XXXX</em> payment. Both <em>XXXX</em> and <em>XXXX</em> payment was made."]},"sort":[13.113096,"17183708"]},{"_index":"complaint-public-v1","_id":"17961317","_score":12.646906,"_source":{"product":"Mortgage","complaint_what_happened":"On XX/XX/year>, I applied for mortgage assistance due to the wildfires in Texas. I was approved and successfully made all required payments through XX/XX/year>. On XX/XX/year>, after making what was supposed to be my final payment, I discovered an unexpected additional charge of {$600.00}. When I contacted a representative, I was informed that this amount was due to an escrow shortage. \n\nAt no point was I made aware that I would owe an additional {$600.00} after already paying {$1300.00} on the XXXX of the month. The representative stated that a notice of escrow changes had been sent in XXXX ; however, the increased payment did not take effect until XXXX, immediately after I completed my repayment plan. This unexpected charge placed me back in financial hardship and forced me to request another payment arrangement. \n\nAdditionally, despite my full compliance with the repayment plan and the timely completion of all required payments, the company reported a negative mark on my credit report. This is both inaccurate and unfair, as I met all the obligations outlined in the assistance plan. \n\nI do not believe it is appropriate or reasonable for the company to impose additional charges without proper and timely notice. These practices place an undue burden on consumers who are actively trying to keep their accounts current and maintain their homes","date_sent_to_company":"2025-11-26T21:13:00.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"77072","tags":null,"has_narrative":true,"complaint_id":"17961317","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MIDFIRST BANK","date_received":"2025-11-26T20:33:57.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"An existing modification, forbearance plan, short sale, or other loss mitigation relief"},"highlight":{"complaint_what_happened":["The representative stated that a notice of escrow changes had been sent in <em>XXXX</em> ; however, the increased payment did not take effect until <em>XXXX</em>, immediately after I completed my repayment plan. This unexpected charge placed me back in financial hardship and forced me to request another payment <em>arrangement</em>. \n\nAdditionally, despite my full <em>compliance</em> with the repayment plan and the timely completion of all required payments, the company reported a negative mark on my credit report."]},"sort":[12.646906,"17961317"]},{"_index":"complaint-public-v1","_id":"17268964","_score":12.533934,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"In the early morning of XX/XX/year>, I made a series of gambling deposits on XXXX while in XXXX. After my own funds were exhausted, both XXXX  and PayPal continued to approve and process additional high-value gambling deposits even though I no longer had sufficient funds in my linked checking account. \n\nBetween approximately XXXX XXXX and XXXX XXXX ET, the following transactions were approved without available funds : XXXX  : {$6500.00} total PayPal : {$11000.00} total These payments were not funded by my bank, because I had no available balance at that time. Instead, PayPal and XXXX  prefunded the transactions and advanced money to XXXX. I never authorized or agreed to any form of credit, overdraft, or lending arrangement, and I was never presented with lender disclosures. \n\nI was experiencing a period of compulsive gambling behavior, and the platforms systems approved multiple rapid, high-risk transactions within minutes without performing adequate funds verification, despite the obvious pattern of escalating deposits at XXXX XXXX. Their own compliance department later admitted in writing that they occasionally front funds, which is exactly what occurred here. \n\nNow PayPal and XXXX  are pursuing me for a combined balance of about {$17000.00}, even though no credit agreement exists. The balance amounts have changed over time only because PayPal/XXXX  automatically seize any incoming payments to my accounts including money sent by friends by mistake and apply them toward this balance without my consent.\n\nI have tried repeatedly to resolve this with both companies, but they deny responsibility for prefunding gambling transactions without verifying funds. I am filing this complaint because PayPal and XXXX  : allowed and funded gambling payments without available funds effectively extended unsecured credit without consent failed to use basic risk controls despite obvious compulsive-transaction patterns are applying unrelated incoming payments toward a disputed balance I am requesting a full review of their prefunding practices, and relief including reversal of XXXX {$6500.00} and PayPals {$11000.00} claims.","date_sent_to_company":"2025-11-16T01:07:35.000Z","issue":"Confusing or missing disclosures","sub_product":"Mobile or digital wallet","zip_code":"85340","tags":null,"has_narrative":true,"complaint_id":"17268964","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2025-11-16T00:09:33.000Z","state":"AZ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Between approximately <em>XXXX</em> <em>XXXX</em> and <em>XXXX</em> <em>XXXX</em> ET, the following transactions were <em>approved</em> without available funds : <em>XXXX</em>  : {$6500.00} total PayPal : {$11000.00} total These payments were not funded by my bank, because I had no available balance at that time. Instead, PayPal and <em>XXXX</em>  prefunded the transactions and advanced money to <em>XXXX</em>. I never authorized or agreed to any form of credit, overdraft, or lending <em>arrangement</em>, and I was never presented with lender disclosures."]},"sort":[12.533934,"17268964"]},{"_index":"complaint-public-v1","_id":"17031735","_score":12.097528,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In XX/XX/XXXX, I was approved for XXXX  financial hardship program, effective XX/XX/XXXX, through XX/XX/XXXX. Since enrollment, I have made every payment on time according to the hardship plan terms and have remained fully compliant. \n\nDespite this, my credit reports show XXXX late payments for XXXX, XXXX, and XX/XX/XXXX -- the very months that fall under the approved hardship period. These late marks are inaccurate and misleading, as they do not reflect my current payment behavior or the accounts standing under the hardship arrangement. \n\nI contacted XXXX XXXX XXXX Department in writing ( see letter dated XX/XX/XXXX ). XXXX not asking for a goodwill adjustment ; XXXX asking XXXX to correct inaccurate reporting that shows my account as late during a valid hardship plan, even though all payments were made on time. As of this filing, XXXX has not corrected or updated the information with any of the XXXX credit bureaus. \n\nDiscovers continued furnishing of inaccurate data appears to violate its duties under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibiting furnishers from reporting information they know or have reasonable cause to believe is inaccurate.\n\n15 U.S.C. 1681s-2 ( a ) ( 2 ) requiring furnishers to promptly correct and update information that is incomplete or inaccurate.\n\n15 U.S.C. 1681s-2 ( b ) requiring furnishers to conduct a reasonable investigation when notified of a dispute by a credit bureau . \n\nThe inaccurate late reporting has negatively impacted my XXXX XXXX and financial standing, despite my full compliance with XXXX  hardship plan. I am requesting that XXXX review this matter, correct the inaccurate data with all credit bureaus, and update my account to show on-time payments during the hardship period.","date_sent_to_company":"2025-11-05T23:31:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"28120","tags":"Servicemember","has_narrative":true,"complaint_id":"17031735","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-11-05T23:31:19.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["In XX/XX/<em>XXXX</em>, I was <em>approved</em> for <em>XXXX</em>  financial hardship program, effective XX/XX/<em>XXXX</em>, through XX/XX/<em>XXXX</em>. Since enrollment, I have made every payment on time according to the hardship plan terms and have remained fully compliant. \n\nDespite this, my credit reports show <em>XXXX</em> late payments for <em>XXXX</em>, <em>XXXX</em>, and XX/XX/<em>XXXX</em> -- the very months that fall under the <em>approved</em> hardship period."]},"sort":[12.097528,"17031735"]},{"_index":"complaint-public-v1","_id":"17031734","_score":12.093194,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In XX/XX/XXXX, I was approved for XXXX  financial hardship program, effective XX/XX/XXXX, through XX/XX/XXXX. Since enrollment, I have made every payment on time according to the hardship plan terms and have remained fully compliant. \n\nDespite this, my credit reports show XXXX late payments for XXXX, XXXX, and XX/XX/XXXX -- the very months that fall under the approved hardship period. These late marks are inaccurate and misleading, as they do not reflect my current payment behavior or the accounts standing under the hardship arrangement. \n\nI contacted XXXX XXXX XXXX Department in writing ( see letter dated XX/XX/XXXX ). XXXX not asking for a goodwill adjustment ; XXXX asking XXXX to correct inaccurate reporting that shows my account as late during a valid hardship plan, even though all payments were made on time. As of this filing, XXXX has not corrected or updated the information with any of the XXXX credit bureaus. \n\nDiscovers continued furnishing of inaccurate data appears to violate its duties under the Fair Credit Reporting Act ( FCRA ), specifically : XXXX U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibiting furnishers from reporting information they know or have reasonable cause to believe is inaccurate.\n\n15 U.S.C. 1681s-2 ( a ) ( 2 ) requiring furnishers to promptly correct and update information that is incomplete or inaccurate.\n\n15 U.S.C. 1681s-2 ( b ) requiring furnishers to conduct a reasonable investigation when notified of a dispute by a credit bureau .\n\nThe inaccurate late reporting has negatively impacted my credit score and financial standing, despite my full compliance with Discovers hardship plan. I am requesting that XXXX review this matter, correct the inaccurate data with all credit bureaus, and update my account to show on-time payments during the hardship period.","date_sent_to_company":"2025-11-05T23:31:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"28120","tags":"Servicemember","has_narrative":true,"complaint_id":"17031734","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-05T23:31:19.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["In XX/XX/<em>XXXX</em>, I was <em>approved</em> for <em>XXXX</em>  financial hardship program, effective XX/XX/<em>XXXX</em>, through XX/XX/<em>XXXX</em>. Since enrollment, I have made every payment on time according to the hardship plan terms and have remained fully compliant. \n\nDespite this, my credit reports show <em>XXXX</em> late payments for <em>XXXX</em>, <em>XXXX</em>, and XX/XX/<em>XXXX</em> -- the very months that fall under the <em>approved</em> hardship period."]},"sort":[12.093194,"17031734"]},{"_index":"complaint-public-v1","_id":"14368529","_score":11.404399,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"On XX/XX/year>, I received an email from Affirm confirming that a {$190.00} loan had been approved and processed under my name for a XXXX XXXX transaction. I did not apply for this loan, authorize this transaction, nor open an Affirm account. This is a clear case of identity theft. \n\nI contacted Affirm immediately. A supervisor named XXXX claimed the account had been locked, but someone was still able to log in and change the billing address and phone number after the lock was supposedly applied. I also received additional emails confirming the loan was active and that funds were applied. \n\nI submitted an FTC Identity Theft Report, provided proof to Affirm, and contacted XXXX XXXX, who confirmed there were no flight arrangements under my nameproving the funds were misused or diverted elsewhere. \n\nDespite being notified in advance of the fraud and receiving legal documentation, Affirm allowed the loan to be processed and is now refusing to fully close or disassociate the account from my identity. I was told by another supervisor, XXXX, that even if the investigation finds in my favor, the account would remain in my namewhich I rejected outright. \n\nThis account is not mine. It was fraudulently opened using my personal information. Affirm has failed to contain the breach or take adequate action, and is placing me at ongoing risk of credit damage. \n\nI am requesting : Immediate and permanent closure of the fraudulent account Full disassociation of my identity from the loan Written confirmation that I am not liable for any charges or activity Formal review of Affirms fraud handling and compliance practices I have attached the necessary supporting documentation. \nMy case number with Affirm is # XXXX. \n\nMy case number with XXXX XXXX is # XXXX","date_sent_to_company":"2025-06-30T20:50:54.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Installment loan","zip_code":"334XX","tags":null,"has_narrative":true,"complaint_id":"14368529","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Affirm Holdings, Inc","date_received":"2025-06-30T20:18:31.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["On XX/XX/year>, I received an email from Affirm confirming that a {$190.00} loan had been <em>approved</em> and processed under my name for a <em>XXXX</em> <em>XXXX</em> transaction. I did not apply for this loan, authorize this transaction, nor open an Affirm account. This is a clear case of identity theft. \n\nI contacted Affirm immediately."]},"sort":[11.404399,"14368529"]},{"_index":"complaint-public-v1","_id":"10709201","_score":10.801148,"_source":{"product":"Credit card","complaint_what_happened":"Subject : Formal Dispute of Credit Denial and Demand for Issuance of Credit Pursuant to Equity Jurisprudence, Federal Reserve Operating Circular 6, Title 15 U.S.C., and GAAP Principles 1. Legal Basis and Context Date of Credit Extension : XX/XX/XXXX Purpose of Extension : As the original creditor/private investor, I extended credits to your institution for the applicant/principal consumer based solely on the information provided in the credit application. This action was in strict compliance with 15 U.S.C. 1681a, which mandates that creditworthiness be determined exclusively based on the application data when making a firm offer of credit. \nOn XX/XX/XXXX, I received a notification from your institution that the credit application was denied based on the consumers credit report rather than the information provided in the application itself. This decision constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) and contradicts the agreed terms for evaluating credit. \nSpecific Violations : 15 U.S.C. 1681n : Your institution is liable for willful noncompliance with the FCRA by failing to adhere to the statutory requirements for determining creditworthiness. \n15 U.S.C. 1681o : Additionally, your actions demonstrate negligent noncompliance, as the denial was based on improper criteria not agreed upon in the original contract. \n2. Federal Reserve Circular 6 Compliance Requirement for Immediate Transfer of Funds : According to Federal Reserve Operating Circular 6, upon approval of credit, the associated funds must be promptly transferred and made available to the applicant. The principle of settlement finality outlined in this circular ensures that once a transaction is approved, it must be completed without undue delay. \nYour refusal to disburse the credit after its approval not only breaches this principle but also undermines the trust that forms the foundation of financial transactions. \nSpecific Procedural Failure : The delay in transferring the approved credit funds violates the operational standards established by the Federal Reserve, raising questions about your institutions compliance with its fiduciary duties. \n3. Misleading Advertising and Downpayment Requirements ( 15 U.S.C. 1662 ) Transparency and Consistency in Advertising : 15 U.S.C. 1662 governs the advertising and communication of downpayment requirements in credit transactions. Creditors must not advertise or imply that a specific downpayment is required unless this is a customary practice of the creditor. Misleading the applicant with inconsistent downpayment requirements violates federal regulations. \nImpact on Denial of Credit : If your institution denied credit based on a downpayment requirement that was not clearly advertised or is not a usual practice, this denial is inconsistent with federal regulations and could be challenged as misleading and unlawful. \n4. Application of Generally Accepted Accounting Principles ( GAAP ) Fair Presentation and Consistency : GAAP requires that all financial transactions, including the issuance and management of credit, be recorded and reported accurately and transparently. The arbitrary denial of credit without proper justification is inconsistent with GAAP principles of fair presentation and transparency. \nDiscrepancies in Credit Issuance : Any inconsistencies in how credit applications are assessed or how decisions are communicated must be documented and justified under GAAP. Your failure to do so indicates a breach of standard accounting practices, further supporting the claim of negligence. \n5. Responsibility to Create a Credit Plan Based on Ability to Pay Equity Jurisprudence : In line with established principles of equity, the extension of credit should not be denied outright if the applicant demonstrates an ability to repay. Instead, a credit plan should be formulated based on the applicants financial situation. Denying credit without offering a structured repayment plan is not only inequitable but also contrary to the spirit of fair financial practices. \nLegal Precedent : Creditors are required to assess an applicants ability to repay and offer a credit arrangement that reflects their financial capacity. Failure to provide such an arrangement, especially when the applicant has demonstrated the ability to meet their obligations, constitutes a breach of fiduciary duty and equitable principles. \n6. Equitable Relief and Restoration of Trust Demand for Immediate Action : Reconsideration and Issuance of Credit : I request a thorough review of the decision to deny credit, ensuring compliance with all relevant laws, regulations, and accounting principles. If my application meets the standard criteria for creditworthiness, the credit must be extended without further delay, and a suitable credit plan should be offered. \nRestoration of Trust : Your institution must take immediate steps to restore trust in this financial transaction by fully complying with federal regulations, including the proper issuance of credit as dictated by Federal Reserve Circular 6 and Title 15 U.S.C. \nCompensation for Damages : I seek compensation for the damages caused by your negligent actions, totaling {$100000.00}, in addition to {$10000.00} for the time, labor, and resources expended in addressing this adverse action. \n7. Notice of Further Action Failure to address this issue in a fair, equitable, and lawful manner may compel me to seek further remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), pursuing legal action under Title 15 U.S.C., and seeking injunctive relief to enforce compliance with my rights under federal law. \n\n15 ucs 1611 Expected Response : I expect to receive your response within 14 days from the date of this letter. Please address your response to the contact details provided above.","date_sent_to_company":"2024-11-06T21:54:35.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"11003","tags":null,"has_narrative":true,"complaint_id":"10709201","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-11-06T21:40:26.000Z","state":"NY","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["Legal Precedent : Creditors are required to assess an applicants ability to repay and offer a credit <em>arrangement</em> that reflects their financial capacity. Failure to provide such an <em>arrangement</em>, especially when the applicant has demonstrated the ability to meet their obligations, constitutes a breach of fiduciary duty and equitable principles. \n6."]},"sort":[10.801148,"10709201"]},{"_index":"complaint-public-v1","_id":"14985444","_score":10.75974,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"In XX/XX/XXXX, GoodLeap approved an installment loan of {$10000.00} using my elderly mother 's credit for artificial turf installation at our residence, creating a split liability arrangement that complicates warranty remedies. This coordinated lender-contractor scheme violates federal consumer protection laws by targeting vulnerable elderly borrowers while making warranty disputes more difficult to resolve. \n\nThe artificial turf failed under normal XXXX XXXX heat conditions in XX/XX/XXXX, just XXXX months after installation. When I filed a warranty claim, Big Bully Turf denied coverage using vague exclusions that violate the Magnuson-Moss Warranty Act 's requirements for clear and conspicuous warranty language. On XX/XX/XXXX, the XXXX 's VP admitted that warranty denials happen \" dozens of times, '' establishing a pattern that affects multiple GoodLeap borrowers. He also bragged about regulatory capture, stating \" the Nevada XXXX would side with us. '' The situation worsened on XX/XX/XXXX, when the XXXX 's Nevada license was suspended for unlicensed operations, creating additional consumer protection violations. On XX/XX/XXXX, I sent GoodLeap detailed compliance notification documenting the contractor license suspension, federal law violations, pattern evidence, and requesting Fair Credit Billing Act protections for the defective financed product. GoodLeap responded with generic deflection, ignoring all federal law violations. Their internal communication revealed a strategy to treat this as \" non agency level 3, '' showing deliberate regulatory avoidance rather than consumer protection compliance.\n\nThis coordinated scheme includes point-of-sale financing arranged through the contractor relationship, with GoodLeap 's representative directly involved in sales and warranty communications. The complex financing structure using my elderly mother 's credit for a product I use was designed to complicate remedies. GoodLeap failed to disclose the contractor 's systematic warranty denial pattern and both companies are stonewalling consumer protection requests despite the contractor 's license suspension and pattern admissions. This systematic coordination between lender and contractor to avoid warranty obligations while exploiting elderly borrowers violates unfair lending practices regulations, Truth in Lending Act disclosure requirements, Fair Credit Billing Act dispute procedures, and elder financial protection laws.","date_sent_to_company":"2025-07-31T01:29:06.000Z","issue":"Problem with additional add-on products or services","sub_product":"Installment loan","zip_code":"89131","tags":null,"has_narrative":true,"complaint_id":"14985444","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paramount GR Holdings, LLC","date_received":"2025-07-31T01:09:36.000Z","state":"NV","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["In XX/XX/<em>XXXX</em>, GoodLeap <em>approved</em> an installment loan of {$10000.00} using my elderly mother 's credit for artificial turf installation at our residence, creating a split liability <em>arrangement</em> that complicates warranty remedies. This coordinated lender-contractor scheme violates federal consumer protection laws by targeting vulnerable elderly borrowers while making warranty disputes more difficult to resolve."]},"sort":[10.75974,"14985444"]},{"_index":"complaint-public-v1","_id":"17102738","_score":10.673853,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"i submitted to kubota the following by phone call and email : NOTICE OF HARDSHIP RIGHTS AND COMPLIANCE REQUEST Re : temporary Income Interruption Due to XXXX XXXX Kubota Credit XXXX, This letter provides formal notice of a documented hardship and requests a temporary payment modification on my equipment finance account XXXX. My business revenue is tied to federal contracts. The current XXXX federal government shutdown has halted payment on those contracts and created a temporary interruption in cash flow. \n\nRequest for XXXX XXXX Kubota Credit XXXX has represented in its Consumer Financial Protection Bureau ( CFPB ) filings and complaint responses that borrowers may request hardship review when experiencing temporary loss of income. These accommodations may include : Short-term deferment Payment extension Interest-only payment period Temporary modified payment schedule I am submitting a documented hardship request and asking for temporary modification until federal payments resume. \n\nRequest for XXXX Credit Reporting XXXX Under XXXX Credit Reporting Resource Guide standards used by Experian, Equifax, and TransUnion , when a borrower has submitted a documented hardship request and the lender is reviewing that request, the account may be coded to reflect hardship/forbearance status. This is the correct reporting treatment for a temporary, documented interruption outside the borrowers control. \nI am requesting that : XXXX. No negative credit reporting be made while my hardship request is under review, and XXXX. If a temporary modification is approved, the account be reported under the applicable XXXX hardship or accommodation coding. \nRequest for Written Response Please provide a written response stating : Whether Kubota Credit will review this hardship request What modification options are available If denied, the written reason for denial Whether any partial or temporary payment arrangement is acceptable I remain willing to provide documentation of pending federal contract payments and intend to keep the account in good standing once federal operations resume. \n\nkubota refuses to accommodate my request","date_sent_to_company":"2025-11-07T14:50:34.000Z","issue":"Struggling to pay your loan","sub_product":"Loan","zip_code":"391XX","tags":null,"has_narrative":true,"complaint_id":"17102738","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Kubota North America Corporation","date_received":"2025-11-07T14:35:18.000Z","state":"MS","company_public_response":"Company believes the complaint provided an opportunity to answer consumer's questions","sub_issue":"Denied request to lower payments"},"highlight":{"complaint_what_happened":["No negative credit reporting be made while my hardship request is under review, and <em>XXXX</em>. If a temporary modification is <em>approved</em>, the account be reported under the applicable <em>XXXX</em> hardship or accommodation coding."]},"sort":[10.673853,"17102738"]},{"_index":"complaint-public-v1","_id":"1296662","_score":10.578763,"_source":{"product":"Mortgage","complaint_what_happened":"My wife lost her job last year and my youngest had some health problems so we have contacted Wells Fargo to make arrangement on XXXX half of our XXXX payment. We paid mortgage XXXX a month. We set up a plan for remaining {$800.00} with XXXX and XXXX payment and making XXXX payment on XX/XX/XXXX. XXXX XXXX was a holiday ( did n't realize that when we set up arraignment ) and when the payment did n't come out on the next business day I have called XXXX to find out what happened and made a payment online. Our payments were set up automatically to come out of our account I am not sure why this payment was n't set up this way. My wife got a job and we caught up with everything by XX/XX/XXXX. We thought everything was OK. We have started looking in to moving and I have visited my mortgage XXXX to see what we can get approved for. He told us we were late with mortgage and can not get a loan till at least XX/XX/XXXX and even then we need a good explanation to what happened. \nWells Fargo has reported out payment 30 days late. We contacted them and explained the situation:1. they set up our payment on a holiday 2. our payment did n't come out automatically. Upon speaking with one of the loan officers there they told us that is clearly their fault because the payment arrangement are never set up for holiday and we were suppose to be told there wont be automatic withdrawal on that day. We were advised to file a dispute with WF which we did. We requested the late payment to be removed due to reasons above. We waited 30 days on the response and upon calling them they stated they have never received our dispute. I had a fax confirmation and after confronting them about it they told me I was given a wrong fax number. I re-faxed the dispute and I received answer from WF stating they did n't do anything wrong, they ca n't remove late payment and that they added a compliance condition code on my credit and they will not remove it until I I tell them I agree with their decision. I received another letter today explaining payment arraignment and how we did n't comply ; however they are omitting the fact that our payment was set up on a holiday and no one told us we have to physically make a payment. What they are stating is that we cancelled automatic withdrawals. If we knew that we would make a payment ahead of time. They also never notified us that the agreement was broken what would trigger us to call and find out what happened.","date_sent_to_company":"2015-03-23T21:44:01.000Z","issue":"Loan servicing, payments, escrow account","sub_product":"FHA mortgage","zip_code":"73013","tags":null,"has_narrative":true,"complaint_id":"1296662","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2015-03-23T21:44:00.000Z","state":"OK","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["My wife lost her job last year and my youngest had some health problems so we have contacted Wells Fargo to make <em>arrangement</em> on <em>XXXX</em> half of our <em>XXXX</em> payment. We paid mortgage <em>XXXX</em> a month. We set up a plan for remaining {$800.00} with <em>XXXX</em> and <em>XXXX</em> payment and making <em>XXXX</em> payment on XX/XX/<em>XXXX</em>."]},"sort":[10.578763,"1296662"]},{"_index":"complaint-public-v1","_id":"11164342","_score":10.432863,"_source":{"product":"Credit card","complaint_what_happened":"XXXX XXXX XXXXXXXX XXXX XXXX To : Acima Credit , LLC Account # XXXX Date : XX/XX/year> Notice to an Agent is Notice to the Principal. \n\nThis letter serves as a formal dispute and a demand for full clarification regarding ACIMA 's representations of \" XXXX XXXX '' on its website. It further asserts my right to pursue all available legal remedies concerning the misrepresentations, deceptive practices, and violations of federal consumer protection statutes. \n\nXXXX. Request for Clarification of \" XXXX XXXX '' : Your website prominently advertises that consumers can \" get approved for {$XXXX} to {$XXXX} of shopping power ''. The phrase \" shopping power '' is neither a legally defined term under consumer credit law nor a concept with a universally understood meaning. Its presentation, however, implies a form of financial leverage or access to upfront purchasing ability, which under applicable law, aligns with the concept of an extension of credit. I formally request that Acima provide a precise, written explanation of the following : The legal and functional definition of \" XXXX XXXX '' as presented on XXXX website. \n\nThe operational mechanism by which \" XXXX XXXX '' is facilitated to consumers. \n\nWhether \" XXXX XXXX '' is a direct financial allocation, line of credit, or any other credit-like arrangement. \n\nThe specific terms, conditions, obligations, and disclosures tied to \" XXXX XXXX. '' Given the inherent ambiguity of the term, it is essential that Acima provide clarity to ensure full compliance with federal disclosure requirements under the Truth in Lending Act ( TILA ) and related consumer protection laws.\n\n2. Basis for Dispute and Legal Grounds : The characterization of \" Shopping Power '' and its functional implications invoke several legal concerns, including but not limited to the following : Misleading Representations ( 15 U.S.C. 1667d, TILA ) : Your depiction of \" XXXX XXXX '' implies access to purchasing capacity without explicit acknowledgment that it constitutes a credit transaction. This representation directly misleads consumers regarding the nature of the arrangement. \nFailure to Disclose Material Terms ( 15 U.S.C. 1635, TILA ) : If \" Shopping Power '' functions as an extension of credit, you are required to provide clear disclosures of the XXXX, repayment schedule, and associated fees. The absence of these disclosures violates my right to informed consent in financial dealings.\n\nDeceptive Use of Forms ( 15 U.S.C. 1692j, FDCPA ) : If the agreements signed under the pretense of \" XXXX XXXX '' fail to disclose its true credit nature, these forms are materially deceptive. \n\n\nXXXX. Demands for Immediate Remedy : To avoid escalation, I demand that Acima take the following corrective actions : Clarify \" Shopping Power '' : Provide a comprehensive explanation, as noted in Section XXXX, of the term \" Shopping Power '' as it appears on your website, detailing its legal, financial, and operational dimensions. \n\n\nProvide Full Disclosures : Disclose all terms, including XXXX, fees, payment schedules, and any other material terms applicable to the \" Shopping Power '' arrangement, as required under the Truth in Lending Act. \nRescind Transaction : Pursuant to 15 U.S.C. 1635, I demand the immediate rescission of any transaction associated with \" XXXX XXXX, '' as I did not receive the requisite disclosures to make an informed decision. \nCease and Desist : Cease all reporting of this transaction to credit reporting agencies and halt any communications with third-party debt collectors. This request is made in accordance with my rights under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act.\n\nProvide Verification of Alleged Debt : Produce verifiable proof of the nature and classification of this alleged debt, especially as it relates to the characterization of \" Shopping Power '' as non-credit, in accordance with 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act.\n\n4. Notice of Intent to Pursue Legal Action : Should Acima fail to address this dispute within 10 days from receipt of this letter, I will pursue all available legal remedies, including statutory, actual, and punitive damages under TILA, FDCPA, and FCRA. This letter serves as notice of my intent to seek relief for deceptive practices, misrepresentation, and non-compliance with federal consumer protection statutes.\n\nThis correspondence is issued in good faith with the expectation of a timely, meaningful response. I reserve all rights, remedies, and defenses available to me under the law. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-12-16T01:11:44.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"Store credit card","zip_code":"211XX","tags":"Servicemember","has_narrative":true,"complaint_id":"11164342","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ACIMA CREDIT, LLC","date_received":"2024-12-16T01:05:42.000Z","state":"MD","company_public_response":null,"sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["I formally request that Acima provide a precise, written explanation of the following : The legal and functional definition of \" <em>XXXX</em> <em>XXXX</em> '' as presented on <em>XXXX</em> website. \n\nThe operational mechanism by which \" <em>XXXX</em> <em>XXXX</em> '' is facilitated to consumers. \n\nWhether \" <em>XXXX</em> <em>XXXX</em> '' is a direct financial allocation, line of credit, or any other credit-like <em>arrangement</em>."]},"sort":[10.432863,"11164342"]},{"_index":"complaint-public-v1","_id":"15809212","_score":10.04255,"_source":{"product":"Mortgage","complaint_what_happened":"Sent this email today after a phone call Issue I am current on my mortgage and not past due. However, due to a temporary financial hardship, I know that I will have difficulty making my next 12 payments in full. I reached out proactively to Mr. Cooper seeking a short-term repayment or forbearance plan so that I could avoid delinquency and protect my credit.\n\nUnfortunately, my assigned manager, XXXX XXXX, informed me that Mr. Cooper will not consider or approve any payment plan unless I first become delinquent. He also indicated that my account would be reported as past due even if I complied with a plan, and he has refused to provide a written agreement.\n\n-- - Why This Is a Violation 12 U.S.C. 1715u requires FHA servicers to evaluate borrowers for loss mitigation if in default or at imminent risk of default.\n\n24 C.F.R. 203.501 obligates servicers to make every reasonable effort to assist borrowers.\n\nHUD Handbook 4000.1 defines imminent default and requires that loss-mitigation arrangements be provided in writing, and that borrowers performing under a plan must be reported as current.\n\nI clearly meet the definition of imminent default because I know I will struggle to make the next 12 payments. FHA rules allow me to be evaluated now without having to harm my credit first.\n\n-- - Requested Action I respectfully request that HUD direct Mr. Cooper to : 1. Evaluate me immediately for FHA loss-mitigation assistance under imminent default standards without requiring delinquency.\n\n2. Provide me a written short-term solution such as special forbearance, repayment plan, or payment deferral that covers 12 months until I recover.\n\n3. Ensure that while I am performing under the plan, my mortgage is reported as current to the credit bureaus.\n\n4. Provide me with written confirmation of compliance.\n\n-- - I am being proactive and want to avoid delinquency altogether. Please confirm receipt of this complaint and advise me on the next steps.","date_sent_to_company":"2025-09-10T01:51:09.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"33573","tags":null,"has_narrative":true,"complaint_id":"15809212","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2025-09-09T15:28:21.000Z","state":"FL","company_public_response":null,"sub_issue":"Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu"},"highlight":{"complaint_what_happened":["Unfortunately, my assigned manager, <em>XXXX</em> <em>XXXX</em>, informed me that Mr. Cooper will not consider or <em>approve</em> any payment plan unless I first become delinquent."]},"sort":[10.04255,"15809212"]},{"_index":"complaint-public-v1","_id":"13792110","_score":9.90599,"_source":{"product":"Checking or savings account","complaint_what_happened":"Predatory and Misleading Practices by Chimes XXXX  Feature I am filing a complaint regarding the deceptive and potentially predatory practices associated with the XXXX feature offered by Chime. \n\nThe XXXX feature is marketed as a paycheck advance service that allows consumers to access a portion of their direct deposit early, based on their income. However, it is important to note that this is not a traditional line of credit from a bank. Instead, Chime advances funds and then collects repayment, along with associated fees, directly from the consumers next direct deposit. \n\nThe repayment is taken in full from the incoming direct deposit before the consumer has access to their remaining funds. After repayment, Chime disburses small daily payments to the consumer rather than the full approved advance amount. This practice reduces the consumers access to their own paycheck and creates a cycle of dependency, which is particularly harmful to individuals in financial distress. \n\nThis system is fundamentally flawed and misleading for the following reasons : 1. Lack of Transparency : Chime does not clearly disclose that repayment will be taken in full before the consumer receives any remaining funds from their paycheck.\n\n2. Predatory Structure : By withholding the full advance and issuing small daily amounts instead, Chime effectively controls the consumers access to their own money, creating unnecessary hardship. \n3. Lack of Consumer Control : While the XXXX feature must be manually activated, it can not be turned off through the app or online interface. Consumers must call Chime to request deactivation. Even then, Chime may retain funds and delay deactivation, refusing to return money already deducted from the consumers paycheck.\n\n4. Questionable Legality : The entire repayment structure appears to operate outside the protections typically afforded to consumers under traditional credit or lending arrangements, raising concerns about regulatory compliance and fairness. \n\nThis practice exploits consumers who are already in need of financial assistance. The funds advanced are not Chimes to begin withthey come from the consumers paycheckyet Chime uses these funds to charge fees, control disbursement, and limit access without adequate disclosure or consent.\n\nI urge the Federal Trade Commission to investigate Chimes XXXX feature for deceptive practices and to consider whether this repayment structure violates consumer protection laws or constitutes an unlicensed and unregulated form of lending. \n\nSincerely, XXXX","date_sent_to_company":"2025-05-29T14:42:29.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"75080","tags":null,"has_narrative":true,"complaint_id":"13792110","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-05-29T14:09:59.000Z","state":"TX","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["Questionable Legality : The entire repayment structure appears to operate outside the protections typically afforded to consumers under traditional credit or lending <em>arrangements</em>, raising concerns about regulatory <em>compliance</em> and fairness. \n\nThis practice exploits consumers who are already in need of financial assistance."]},"sort":[9.90599,"13792110"]},{"_index":"complaint-public-v1","_id":"13137499","_score":9.837667,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX La XXXX XXXX. \nXXXX XXXX, TX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Subject : Formal Dispute / Violation of Protection Agreement To Whom It May Concern : I am writing to dispute the above-referenced student loan debt and to notify you that you have violated my borrower protection agreement. Please consider this letter my formal dispute under the Fair Debt Collection Practices Act ( XXXX  ), XXXX XXXX. XXXX, and my demand that you immediately cease any collection activity until you have provided me with proper validation of this debt. \n\nXXXX. Failure to Provide Validation ( XXXX XXXX. XXXX ). \nUnder XXXX XXXX. XXXX ( a ), within XXXX ( XXXX ) days of your first communication with me, you were required to send me a written notice containing, at a minimum, the amount of the debt, the name of the creditor, and a statement of my right to dispute the debt. You have neither furnished this notice nor otherwise validated the amount or existence of this debt. This omission violates XXXX XXXX. XXXX ( b ), which prohibits you from continuing collection efforts until you have provided proper verification. \n\nXXXX. Violation of My XXXX XXXX XXXX. \nOn [ Date of Agreement ], I entered into a forbearance/deferment/income-driven repayment protection agreement with XXXX XXXX, during which I was XXXX be exempt from all collection activities and negative credit reporting so long as I complied with the terms. Despite my compliance, you have : Reported this account as delinquent to the credit bureaus ; Threatened further collection actions in letters dated [ date ( XXXX ) ] ; Refused to acknowledge my on-file payment arrangements. \n\nThese actions breach the mutual agreement and also violate your regulatory obligations under the XXXX XXXX XXXX ( XXXX XXXX. XXXX ) and its implementing regulations ( XXXX XXXX. XXXX ( b ) ), which require servicers to honor approved forbearance or deferment requests and to refrain from adverse reporting during such periods. \n\nWhat I Demand : XXXX. Validation : XXXX XXXX XXXX. XXXX, send me, within XXXX  days, a complete validation packet including : The principal balance, interest, and any fees currently claimed ; A copy of the signed loan promissory note ; A detailed payment history ; Documentation of my approved protection agreement. \nXXXX. XXXX XXXX : Immediately halt all collection calls, letters, and credit-reporting related to this account until you comply with your FDCPA obligations. \nXXXX. Correct Credit Reporting : Upon receipt of this letter, correct or delete any adverse entry you have made with any consumer reporting agency concerning this account ( XXXX XXXX. XXXX ). \n\nIf you fail to provide validation or continue collection activities, I will have no choice but to file formal complaints with : The Consumer Financial Protection Bureau ( XXXX  ) ; The XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; The XXXX XXXX XXXX Office ; and My states Attorney General for violations of the Texas Debt Collection Practices Act. \n\nPlease direct all future communications regarding this dispute in writing to my address above. I look forward to your prompt compliance. \n\nSincerely, XXXX XXXX XXXX La XXXX XXXX. \nXXXX XXXX, TX XXXX Email : [ XXXX ] Phone XXXX","date_sent_to_company":"2025-04-23T15:30:49.000Z","issue":"False statements or representation","sub_product":"Federal student loan debt","zip_code":"76114","tags":null,"has_narrative":true,"complaint_id":"13137499","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EdFinancial Services","date_received":"2025-04-23T15:24:11.000Z","state":"TX","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Despite my <em>compliance</em>, you have : Reported this account as delinquent to the credit bureaus ; Threatened further collection actions in letters dated [ date ( <em>XXXX</em> ) ] ; Refused to acknowledge my on-file payment <em>arrangements</em>. \n\nThese actions breach the mutual agreement and also violate your regulatory obligations under the <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ( <em>XXXX</em> <em>XXXX</em>. <em>XXXX</em> ) and its implementing regulations ( <em>XXXX</em> <em>XXXX</em>."]},"sort":[9.837667,"13137499"]},{"_index":"complaint-public-v1","_id":"15801630","_score":9.789196,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX  has been furnishing inaccurate information to the credit reporting agencies about my mortgage loan. \n\nFrom XXXX through XXXX my account was in CARES Act forbearance accommodations with documented extension letters. Each extension required trial payments, which I made, and there were no gaps. Despite being in an official accommodation status, XXXX reported my account as XXXX to 180 days delinquent across XXXX XXXX  and TransUnion. Under CARES Act section 4021, an account in accommodation where the borrower complies with the plan must be reported as current, not severely delinquent. \n\nIn XX/XX/XXXX I executed a loan modification agreement that capitalized arrears and reinstated my account. Rocket continued furnishing derogatory history after this modification instead of resetting my account to current as required by Metro 2 reporting standards. \n\nFrom late XXXX through mid XXXX I was placed in approved workout and trial plan agreements. These were formalized payment arrangements requiring token payments, which I made in compliance with the plans. XXXX still furnished me as XXXX XXXX XXXX XXXX late during this period. Reporting derogatories while a borrower is in a documented trial plan is a violation of FCRA section 623 ( a ) ( 1 ) ( A ) because it is knowingly inaccurate. \n\nIn XX/XX/XXXX I entered a second loan modification agreement that again cured arrears and reinstated my loan. After this modification, TransUnion showed my account as OK beginning XX/XX/XXXX while XXXX XXXX XXXX continued to show derogatory history. This conflicting reporting across bureaus is itself evidence of inaccurate furnishing. \n\nThe only time I was actually delinquent was XX/XX/XXXX and XX/XX/XXXX when I missed XXXX payments due to a XXXX XXXX XXXX. Rockets reporting of me as 60 days late at the time of transfer in XX/XX/XXXX was accurate for those XXXX months only. \n\nAfter XX/XX/XXXX XXXX no longer serviced my loan. However, derogatory reporting continues on my credit reports beyond that date. Furnishing delinquencies after the servicing transfer is inaccurate under the Fair Credit Reporting Act because XXXX had no servicing relationship. \n\nRockets credit reporting creates a false delinquency history spanning years when in fact I was only behind for XXXX months. I am requesting that Rocket be required to correct all CARES Act accommodation periods to show current with proper Metro 2 coding, reset the tradeline to current following the XX/XX/XXXX and XX/XX/XXXX loan modification agreements, remove all derogatories during trial and workout plan compliance periods, report only 60 days late for XX/XX/XXXX and XX/XX/XXXX, and close the tradeline as of XX/XX/XXXX, the date of servicing transfer. \n\nThese violations of the CARES Act, the FCRA, and Metro 2 standards have severely harmed my creditworthiness by fabricating a false picture of chronic delinquency. The attached credit reports and modification and forbearance documents provide clear proof of XXXX misreporting.","date_sent_to_company":"2025-09-08T16:39:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48236","tags":null,"has_narrative":true,"complaint_id":"15801630","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-08T16:38:56.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["In XX/XX/<em>XXXX</em> I executed a loan modification agreement that capitalized arrears and reinstated my account. Rocket continued furnishing derogatory history after this modification instead of resetting my account to current as required by Metro 2 reporting standards. \n\nFrom late <em>XXXX</em> through mid <em>XXXX</em> I was placed in <em>approved</em> workout and trial plan agreements. These were formalized payment <em>arrangements</em> requiring token payments, which I made in <em>compliance</em> with the plans."]},"sort":[9.789196,"15801630"]},{"_index":"complaint-public-v1","_id":"15800277","_score":9.777141,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Rocket Mortgage has been furnishing inaccurate information to the credit reporting agencies about my mortgage loan. \n\nFrom XXXX through XXXX my account was in CARES Act forbearance accommodations with documented extension letters. Each extension required trial payments, which I made, and there were no gaps. Despite being in an official accommodation status, Rocket reported my account as XXXX to XXXX  days delinquent across Experian, Equifax, and TransUnion. Under CARES Act section 4021, an account in accommodation where the borrower complies with the plan must be reported as current, not severely delinquent. \n\nIn XX/XX/XXXX I executed a loan modification agreement that capitalized arrears and reinstated my account. Rocket continued furnishing derogatory history after this modification instead of resetting my account to current as required by XXXX XXXX reporting standards. \n\nFrom late XXXX through mid XXXX I was placed in approved workout and trial plan agreements. These were formalized payment arrangements requiring token payments, which I made in compliance with the plans. XXXX still furnished me as 90 to 120 days late during this period. Reporting derogatories while a borrower is in a documented trial plan is a violation of FCRA section 623 ( a ) ( 1 ) ( A ) because it is knowingly inaccurate. \n\nIn XX/XX/XXXX I entered a second loan modification agreement that again cured arrears and reinstated my loan. After this modification, XXXX  showed my account as OK beginning XX/XX/XXXX while XXXX  and XXXX  continued to show derogatory history. This conflicting reporting across bureaus is itself evidence of inaccurate furnishing. \n\nThe only time I was actually delinquent was XX/XX/XXXX and XX/XX/XXXX when I missed two payments due to a XXXX XXXX XXXX. Rockets reporting of me as XXXX  days late at the time of transfer in XX/XX/XXXX was accurate for those XXXX months only. \n\nAfter XX/XX/XXXX XXXX no longer serviced my loan. However, derogatory reporting continues on my credit reports beyond that date. Furnishing delinquencies after the servicing transfer is inaccurate under the Fair Credit Reporting Act because XXXX had no servicing relationship. \n\nRockets credit reporting creates a false delinquency history spanning years when in fact I was only behind for XXXX months. I am requesting that Rocket be required to correct all CARES Act accommodation periods to show current with proper XXXX XXXX coding, reset the tradeline to current following the XX/XX/XXXX and XX/XX/XXXX loan modification agreements, remove all derogatories during trial and workout plan compliance periods, report only 60 days late for XX/XX/XXXX and XX/XX/XXXX, and close the tradeline as of XX/XX/XXXX, the date of servicing transfer. \n\nThese violations of the XXXX XXXX, the FCRA, and XXXX XXXX standards have severely harmed my creditworthiness by fabricating a false picture of chronic delinquency. The attached credit reports and modification and forbearance documents provide clear proof of XXXX misreporting.","date_sent_to_company":"2025-09-08T16:39:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48236","tags":null,"has_narrative":true,"complaint_id":"15800277","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rocket Mortgage, LLC","date_received":"2025-09-08T16:28:33.000Z","state":"MI","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["In XX/XX/<em>XXXX</em> I executed a loan modification agreement that capitalized arrears and reinstated my account. Rocket continued furnishing derogatory history after this modification instead of resetting my account to current as required by <em>XXXX</em> <em>XXXX</em> reporting standards. \n\nFrom late <em>XXXX</em> through mid <em>XXXX</em> I was placed in <em>approved</em> workout and trial plan agreements. These were formalized payment <em>arrangements</em> requiring token payments, which I made in <em>compliance</em> with the plans."]},"sort":[9.777141,"15800277"]},{"_index":"complaint-public-v1","_id":"16528202","_score":9.302365,"_source":{"product":"Mortgage","complaint_what_happened":"My name is XXXX XXXX, and I am the homeowner and borrower of record for my property at XXXX XXXX XXXX, XXXX, NY XXXX. \n\nIn XXXX, while I was in an active XXXX XXXX XXXXXXXX XXXX in the XXXX XXXX XXXX XXXX XXXX  , Shellpoint Mortgage Servicing / NewRez demanded {$10000.00} from me even though they were already receiving my regular mortgage payments through my bankruptcy trustee. This collection attempt happened during a period when I was under bankruptcy court protection and Shellpoint was prohibited from billing me directly or demanding any separate payments outside of the court-approved plan. \n\nLater, in XXXX, while I was still in bankruptcy, Shellpoint/NewRez added extra principal and interest charges to cover escrow even though my escrow was being managed under the XXXX program. These changes made my monthly payments unaffordable and caused my account to appear past due even though I was making my payments through the bankruptcy court. \n\nShellpoint/NewRezs actions have made it extremely hard for me to keep my home. Their accounting practices do not match my court-approved XXXX XXXX plan, and their statements are inconsistent. They continue to treat me as delinquent, which has damaged my ability to maintain payment arrangements and caused me emotional and financial stress. \n\nI am the only person listed on the deed since XXXX, but the loan is still in both my name and another borrower, XXXX XXXX, who has not lived in the home or contributed to the mortgage since XXXX. Shellpoint continues to send joint notices and paperwork even though I am the only homeowner. \n\nI believe XXXXhellpoint/NewRez violated : Bankruptcy law ( Sections 362 and 524 ) by trying to collect while I was protected under XXXX XXXX, RESPA / CFPB servicing rules by misapplying escrow and principal, and CFPB Regulation X by continuing foreclosure and delinquency activity while my account was under legal review. \n\nI am requesting that the CFPB review Shellpoint/NewRezs conduct during and after my XXXX XXXX XXXX and that they correct my account, remove any false delinquency reporting, and confirm compliance with federal servicing laws. \n\n1. Bankruptcy Law Violations ( XXXX XXXX XXXX XXXX ) a. Violation of Bankruptcy Code 362 and 524 Automatic Stay and Discharge Protections During your active XXXX XXXX ( XXXX ), Shellpoint/NewRez demanded {$10000.00} while payments were being made through your court-appointed trustee.\n\nThat act constitutes an unauthorized collection attempt while the debt was under court control potentially a willful stay violation under 362 ( a ).\n\nIf this continued after your plan confirmation or discharge, it may also violate 524 ( a ) ( 2 ), the discharge injunction. \n\nb. Improper Accounting During Court-Supervised Plan They received trustee disbursements but also billed you directly, creating a dual payment stream. \nThis is explicitly prohibited under federal bankruptcy servicing standards ( see In re Gravel, 6th Cir. 2021 ) and CFPB bulletin guidance for mortgage servicers handling XXXX XXXX loans.\n\n2. RESPA / CFPB Mortgage Servicing Rule Violations a. Misapplication of Payments and Escrow Funds Shellpoint added principal and interest to cover escrow shortages in 2023 while you were still in bankruptcy.\n\nUnder 12 CFR 1024.17 ( k ) ( 5 ), a servicer can not unilaterally increase escrow or reallocate principal/interest without proper notice and an analysis based on actual escrow account data. \nSince your escrow was managed under the XXXX program, they likely breached the requirement to maintain consistent treatment during bankruptcy-protected repayment periods. \n\nb. Failure to Honor Cram-Down Terms Once a cram-down is approved, the creditor must adjust the loan balance and payments per the court order. \nShellpoints statements from XXXX still show inflated principal and interest inconsistent with your modified plan. \nThis is a RESPA 1024.41 ( b ) ( 1 ) violation failure to apply loss mitigation or court-approved modification terms accurately.\n\nc. Dual Tracking / False Delinquency Reporting While you were under active review and bankruptcy protection, Shellpoint continued to list you as delinquent and threatened foreclosure, as seen in the Delinquency Notice boxes on multiple statements. \nThat violates RESPA 1024.41 ( g ) and CFPB Regulation X prohibiting foreclosure activity while a modification or legal protection is in effect. \n\n\nName : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NY XXXX Email : XXXX Phone : XXXX","date_sent_to_company":"2025-10-12T20:54:56.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"12601","tags":null,"has_narrative":true,"complaint_id":"16528202","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2025-10-12T20:43:31.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu"},"highlight":{"complaint_what_happened":["Their accounting practices do not match my court-<em>approved</em> <em>XXXX</em> <em>XXXX</em> plan, and their statements are inconsistent. They continue to treat me as delinquent, which has damaged my ability to maintain payment <em>arrangements</em> and caused me emotional and financial stress. \n\nI am the only person listed on the deed since <em>XXXX</em>, but the loan is still in both my name and another borrower, <em>XXXX</em> <em>XXXX</em>, who has not lived in the home or contributed to the mortgage since <em>XXXX</em>."]},"sort":[9.302365,"16528202"]},{"_index":"complaint-public-v1","_id":"19017888","_score":9.056547,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Company : Global Lending Services ( GLS ) Product : Auto Loan State : Maryland Complaint Narrative : I am experiencing ongoing issues with Global Lending Services regarding my auto loan while facing a documented financial hardship.\n\nDespite repeated good-faith attempts to resolve my past-due balance, GLS has refused to offer meaningful hardship assistance other than a skip-a-payment option. Different representatives have provided conflicting and inconsistent information regarding skip-a-pay terms and timelines, making it impossible to make an informed decision. A prior skip-a-payment caused my account to fall further behind, so this option is not workable.\n\nAdditionally, I discovered that an additional payment was added to my account in XX/XX/2025. I was never notified of this in writing, nor was it disclosed during my multiple phone calls while checking my account. I only became aware of this after logging into my online portal. I am requesting a written explanation of when and why this payment was added.\n\nI have also experienced harassing collection practices, including repeated phone calls and contacting my friends and family to reach me. I explicitly instructed XXXX  to stop contacting third parties, but a representative named XXXX previously called my friend and again asked me today whether I could borrow money from friends or family. I told her no and instructed her not to call anyone else. XXXX also stated that a supervisor was not available and that I would receive a call tomorrow. This call is documented here for the record. \n\nI am requesting that my account be handled in full compliance with my consumer rights under federal law and Maryland law, including proper notice and right-to-cure protections.\n\nRequested resolutions : Immediate review by a supervisor or manager with authority to approve hardship-based payment arrangements Consideration of a structured payment plan other than skip-a-pay A written explanation of the additional payment added in XX/XX/2025 Written clarification of my current account status, including whether a Notice of Intent to Repossess has been issued Cessation of third-party contact and reduction of excessive phone calls I am making a good-faith effort to resolve this matter and bring my account current. I have also been in contact and have stayed in contact for months with this company in regard to my auto loan and financial situation. I also have an email from before when this matter first came up and I spoke with a supervisor XXXX.","date_sent_to_company":"2026-01-26T21:44:13.000Z","issue":"Struggling to pay your loan","sub_product":"Loan","zip_code":"89044","tags":null,"has_narrative":true,"complaint_id":"19017888","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Global Lending Services LLC","date_received":"2026-01-26T21:11:21.000Z","state":"NV","company_public_response":null,"sub_issue":"Denied request to lower payments"},"highlight":{"complaint_what_happened":["Requested resolutions : Immediate review by a supervisor or manager with authority to <em>approve</em> hardship-based payment <em>arrangements</em> Consideration of a structured payment plan other than skip-a-pay A written explanation of the additional payment added in <em>XX/XX</em>/2025 Written clarification of my current account status, including whether a Notice of Intent to Repossess has been issued Cessation of third-party contact and reduction of excessive phone calls I am making a good-faith effort to resolve this"]},"sort":[9.056547,"19017888"]},{"_index":"complaint-public-v1","_id":"14895052","_score":8.903457,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am submitting this formal complaint against multiple furnishers and credit reporting agencies for the continued reporting of inaccurate, outdated, and unauthorized information on my credit report, which is in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and other applicable consumer protection laws.\n\nI am a victim of erroneous and possibly negligent reporting which has caused me significant financial and emotional distress. Below I am listing each disputed item with the nature of the issue, applicable law violated, and a brief background of my situation : XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Wrong Address Issue : This address does not belong to me and has never been associated with me Law : Under the Fair Credit Reporting Act ( FCRA ) Section 609 ( c ) ( 2 ) ( A ), consumers have the right to dispute inaccurate or unverifiable addresses on their credit file Story : This address is showing up on my credit report despite having no connection to my identity, history, or application. Its presence is misleading and may indicate identity confusion or reporting errors from a third-party furnisher. I have never lived, received mail, nor conducted business from this address. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Credit : {$500.00} * * Late Payment Issue : Late payment inaccurately reported and not validated Law : Under FCRA Section 623 ( a ) ( 1 ) ( A ), a furnisher shall not furnish any information that is inaccurate or incomplete Story : I was going through financial hardship due to medical emergencies during the reported period and had attempted to make arrangements with the creditor, which were not acknowledged. Despite good faith efforts, this account was marked late. No proper notice or verification of the missed payment timeline was provided to me, which is required under the law. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Credit : {$2600.00} * * Charge Off Issue : This account is inaccurately listed as charged off without final verification Law : FCRA XXXX XXXX requires reinvestigation of disputed items and deletion if unverified Story : The charge-off was applied despite my formal dispute with the original creditor. No debt validation or account statements were provided upon my request. I attempted to resolve the debt through alternative arrangements, but the account was instead marked as charged-off, causing severe damage to my score. \nXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Credit : {$8000.00} * * Charge Off Issue : Reported charge-off does not reflect actual account handling Law : FCRA XXXX XXXX ( a ) ensures accuracy and fairness in credit reporting Story : I maintained consistent communication with XXXX XXXX XXXX XXXX XXXX this account. Unexpected job loss during the pandemic affected my payment schedule, and despite multiple calls and hardship requests, no accommodation was made. I was never sent proper default notices and now this account unfairly affects my credit. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Credit : {$34000.00} * * Charge Off Issue : Charged off while still in dispute and under payment plan Law : FCRA XXXX ( a ) ( XXXX ) requires creditors to mark disputed accounts as in dispute Story : This vehicle account was under an approved payment deferment due to financial hardship. I was actively communicating and fulfilling temporary payment arrangements. Yet the creditor ignored these arrangements, failed to mark the dispute properly, and listed it as charged off. This is deceptive and in direct violation of federal reporting standards. \nXXXXXXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/XXXX High Credit : {$120.00} * * Collection Issue : No validation of debt was ever provided Law : FDCPA XXXX XXXX ( a ) requires debt validation upon request Story : I never received any initial notice or breakdown of this debt. When I contacted the agency, they failed to provide proof of the original creditor or itemized statement. It appears to be a duplicated or erroneous collection that does not belong to me. \nXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$830.00} * * Collection Issue : This item was not validated and XXXX be duplicated with XXXX XXXX  : FCRA Section 611 & FDCPA Section 809 Story : This collection appears twice under different names and is unverifiable. I have submitted requests to the collector with no proper documentation received. Reporting the same debt multiple times is misleading and can unfairly impact my score. \nXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Credit : {$14000.00} * * Charge Off Issue : Account charged off after error in loan servicing Law : FCRA XXXX ( a ) ( XXXX ) ( B ), furnisher responsibility to update information timely Story : This account was closed and paid through a third-party resolution service. I submitted all paperwork and payoff confirmation, yet XXXX XXXX failed to update the status timely. Instead, it was reported as a charge-off, damaging my credit even though the balance was resolved. \nConclusion & Request for Immediate Action : I am requesting that the Consumer Financial Protection Bureau launch an immediate investigation into the above accounts, addresses, and inquiries. These entries are inaccurate, misleading, and were not reported in compliance with federal law. I have made numerous attempts to resolve these disputes with the credit bureaus and furnishers directly but have received either no response or incomplete investigations. \nThese violations are not only affecting my XXXX XXXX but also limiting my access to fair housing, employment, and basic financial opportunities. I request that the CFPB ensures all the disputed items are either corrected or deleted as per law and that responsible parties are held accountable. \nThank you for your attention to this matter.","date_sent_to_company":"2025-07-26T20:14:26.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"322XX","tags":null,"has_narrative":true,"complaint_id":"14895052","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-26T20:11:44.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XXXXXX/XX/<em>XXXX</em> High Credit : {$34000.00} * * Charge Off Issue : Charged off while still in dispute and under payment plan Law : FCRA <em>XXXX</em> ( a ) ( <em>XXXX</em> ) requires creditors to mark disputed accounts as in dispute Story : This vehicle account was under an <em>approved</em> payment deferment due to financial hardship. I was actively communicating and fulfilling temporary payment <em>arrangements</em>."]},"sort":[8.903457,"14895052"]},{"_index":"complaint-public-v1","_id":"1830644","_score":8.678091,"_source":{"product":"Student loan","complaint_what_happened":"Today [ XXXX/XXXX/XXXX ] I made a phone to Nelnet & spoke to a Nelnet Representative [ \" XXXX '' ] to help supply me with clear answers in addressing some of my concerns.XXXX answers did not correspond to much of the information provided on the website. \nXXXX 1A ] - WHAT IS THIS 3 YEAR 'PROBATION '' PERIOD & WHY IS THE SUCH EMPHASIS PLACED ON THE POWER TO REACTIVATE THE 'DISCHARGED '' LOAN? \nIF THE LOAN IS TRULY & LEGALLY DISCHARGED ; WOULD N'T I RECEIVE FORM XXXX? \nTHE USE OF THE WORD, \" DISCHARGE '' IS MISLEADING & DISTORTED. \n* THE TELNET REPRESENTATIVE [ XXXX ] EXPLAINED THAT THE DISCHARGE THAT IS REFERRED TO ON THEIR WEBSITE INFORMATION IS NOT A FINAL [ REAL? ] DISCHARGE. IN THE EVENT THAT IT WAS \" THE FINAL DISCHARGE '' ; I WOULD BE SENT FORM XXXX. \n* \" If I 'm subject to a 3-year post-discharge monitoring period, what will happen during the monitoring period? '' 1B ] -IF I 'VE BEEN XXXX FOR A PERIOD OF GREATER THAN 3 YEAR TIME PERIOD ; WHY CA N'T I PRESENT A PRINT-OUT OF MY BANK RECORDS & TAX STATEMENTS OF THE PAST 3 YEARS TO PROVE THAT I 'M IN & HAVE BEEN IN COMPLIANCE OF THIS CRITERIA THAT NELNET [ THE US DEPARTMENT OF EDUCATION ] INSISTS ARE NECESSARY TO JUSTIFY THIS \" ALMOST '' DISCHARGE PROBATION PERIOD? \n* XXXX ] -WHY DOES NELNET [ A.K.A.- THE XXXX DEPARTMENT OF EDUCATION ] ONLY RECOGNIZE MY XXXX IN XX/XX/XXXX WHEN NATIONAL & STATE AGENCIES HAVE RECORDED MY XXXX IN XX/XX/XXXX? IS THE US DEPARTMENT OF EDUCATION MORE MEDICALLY QUALIFIED THAN THE MEDICAL PROFESSIONALS REPRESENTING THE NEW YORK STATE DEPARTMENT OF HUMAN RESOURCES & THE DEPT OF SOCIAL SECURITY XXXX, IN ADDITION TO MANY PRIVATE SPECIALISTS & PHYSICIANS IN THE ABILITY TO DIAGNOSE & MAKE AN ACCURATE DETERMINATION IN REGARD TO MY XXXX? \nTHIS MEANS THAT ANY MONEY THAT WAS GARNISHED FROM ME-BEFORE THE APPLICATION OF XXXX WAS DOES NOT HAVE TO BE RETURNED ... \n* \" What happens if the Department approves my XXXX discharge request? \" Link : XXXX 2A ] - WHAT RIGHTS/AUTHORITY/EXPERTISE/QUALIFICATIONS DOES THE US DEPARTMENT OF EDUCATION TO PARTICIPATE IN THE PROCESS OF DETERMINING AN INDIVIDUAL 'S XXXX? I ACCORDING TO NELNET, THE DOCUMENTATION PROVIDED BY THE DEPT OF SOCIAL SECURITY ADMINISTRATION IS NOT ENOUGH-AS THESE RECORDS ARE REVIEWED BY NELNET [? ] & THEN FORWARDED TO THE US DEPARTMENT OF EDUCATION FOR THEIR REVIEW. \n* What should I do if I want to apply for a XXXX discharge? Link : XXXX 3 ] -WHY DOES THE NELNET WEBSITE PROVIDE CONSUMERS WITH FALSE INFORMATION? \" Finally, we 'll contact your loan holders and instruct them to suspend collection activity on your loans for a period of up to 120 days. This means that during the 120-day period you will not be required to make payments on your loans. '' * I WAS TOLD ON THE PHONE BY THE NELNET REPRESENTATIVE THAT THE GARNISHMENTS WOULD & LEGALLY COULD BE CONTINUED. NELNET COULD DO NOTHING TO ADDRESS OR PREVENT FUTURE GARNISHMENTS. I WAS TOLD THAT NELNET WOULD NOT SPEAK TO MY LOAN HOLDER [ THE DEPARTMENT OF EDUCATION ] I WAS INFORMED THAT IT WAS UP TO ME TO SPEAK TO THE DEPARTMENT OF EDUCATION [ MY LOAN HOLDER AT XXXX ] IN ORDER TO ATTEMPT TO STOP THE GARNISHMENTS. THIS LATEST NEW INFORMATION SEEMED TO STRONGLY IMPLY SOME ADDITIONAL ARRANGEMENT & PROCESS OF APPLYING FOR A \" HARDSHIP '' WITH MY LOAN HOLDER. \n* \" Discharge Processing/How long does the XXXX discharge application process take? / Our review of your XXXX discharge application typically takes less than 30 days to complete. \nTHE RESPONSE OF THE NELNET REPRESENTATIVE [ XXXX ] WAS THAT COULD REQUIRE UP TO 120 DAYS TO REVIEW THE CASE & PROCURE THE ANSWER AS TO WHETHER YOU QUALIFIED FOR THE \" FAKE '' [ NOT FINAL ] DISCHARGE. DURING THIS 120 DAY REVIEW TIME FRAME ; THE DEPARTMENT OF EDUCATION IS STILL FREE TO GARNISH MY XXXX PAYMENT UNLESS OTHER ARRANGEMENTS HAD BEEN MADE.","date_sent_to_company":"2016-03-16T16:43:12.000Z","issue":"Dealing with my lender or servicer","sub_product":"Federal student loan servicing","zip_code":"563XX","tags":null,"has_narrative":true,"complaint_id":"1830644","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2016-03-14T05:33:48.000Z","state":"MN","company_public_response":null,"sub_issue":"Trouble with how payments are handled"},"highlight":{"complaint_what_happened":["THIS MEANS THAT ANY MONEY THAT WAS GARNISHED FROM ME-BEFORE THE APPLICATION OF <em>XXXX</em> WAS DOES NOT HAVE TO BE RETURNED ... \n* \" What happens if the Department <em>approves</em> my <em>XXXX</em> discharge request? \" Link : <em>XXXX</em> 2A ] - WHAT RIGHTS/AUTHORITY/EXPERTISE/QUALIFICATIONS DOES THE US DEPARTMENT OF EDUCATION TO 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