{"took":145,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":2008,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"20023538","_score":17.119648,"_source":{"product":"Student loan","complaint_what_happened":"I am submitting this complaint because Navient has failed to provide historical loan servicing documentation necessary to verify the accuracy of my XXXX student loan balance and capitalization history during the period when Navient ( formerly XXXX XXXX ) serviced my loans. \n\nMy dispute concerns a significant capitalization entry recorded on XX/XX/XXXX described as XXXX Capitalization in the amount of {$28000.00}. This entry substantially increased the principal balance of the loans. Despite written requests for documentation explaining this transaction, Navient has not provided the accounting records necessary to verify how this capitalization amount was calculated. \n\nTo verify the accuracy of the balance created during Navients servicing period, I respectfully request the loan-level accounting supporting the XX/XX/XXXX XXXX capitalization of {$28000.00}. Specifically, please provide : the principal balance used in the capitalization calculation the interest rate applied to each loan the accrual start and end dates used for the calculation the amount of interest capitalized for each individual loan included in the entry the daily interest accrual worksheet supporting the calculation In addition, because the loans were serviced by Navient during the relevant period, I am requesting the historical servicing records necessary to understand the servicing actions that contributed to the balance growth during XXXX. \n\nPlease provide : internal account notes related to the loans during the XXXX servicing period servicing call logs or call notes associated with the account forbearance request forms or records of forbearance approvals disclosures provided at the time of any forbearance approvals explaining interest accrual or capitalization effects servicing communications or notices sent between XXXX and XXXX related to capitalization or balance changes These records are necessary to verify the accuracy of the balance generated during Navients servicing period and to understand the servicing actions that resulted in the large capitalization event described above. \n\nTo date, despite written requests and supporting documentation, Navient has not provided the accounting records or historical servicing documentation needed to verify the accuracy of the capitalization and loan balance. \n\nI am requesting that Navient provide the loan-level accounting and servicing records necessary to substantiate the capitalization and balance created during its servicing of these loans.","date_sent_to_company":"2026-03-06T01:43:34.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"40241","tags":null,"has_narrative":true,"complaint_id":"20023538","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2026-03-06T01:24:36.000Z","state":"KY","company_public_response":null,"sub_issue":"Need information about your loan balance or loan terms"},"highlight":{"complaint_what_happened":["I am submitting this complaint because Navient has failed to provide historical <em>loan</em> <em>servicing</em> documentation necessary to verify the <em>accuracy</em> of my XXXX student <em>loan</em> <em>balance</em> and capitalization history during the period when Navient ( formerly XXXX XXXX ) <em>serviced</em> my <em>loans</em>. \n\nMy <em>dispute</em> concerns a significant capitalization entry recorded on XX/XX/XXXX described as XXXX Capitalization in the amount of {$28000.00}. This entry substantially increased the principal <em>balance</em> of the <em>loans</em>."],"product":["Student <em>loan</em>"],"sub_product":["Private student <em>loan</em>"],"sub_issue":["Need information about your <em>loan</em> <em>balance</em> or <em>loan</em> terms"]},"sort":[17.119648,"20023538"]},{"_index":"complaint-public-v1","_id":"18871837","_score":15.56105,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I am disputing the accuracy of my auto loan balance with Ally Financial related to a XXXX  XXXX XXXX XXXX financed through a Florida dealership. \n\nOptional warranties and service contracts were added to my financing at the dealership. After the sale, the dealership represented that a certain warranties would be canceled and that Ally Financial would be notified. These cancellation were not properly competed, and no refund or principal credit has been applied to my loan. \n\nI was informed that the dealership sold or assigned the loan to Ally Financial. After acquiring the loan, Ally Financial began billing without ensuring that i had a meaningful opportunity to review or discuss the loan terms directly with Ally or to ask questions about the agreement. \n\nWhen contacted by an Ally representative, I was asked to agree to terms without being provided a clear explanation or opportunity to ask questions. Despite these unresolved issues, Ally Financial processed with billing and collection activity based on loan balance that i disputed. \n\nThis account is formally disputed. I am requesting that Ally Financial investigate the accuracy of the loan balance, document how the loan terms were disclosed and consent obtained, and correct any inaccurate charges related to add-on products or fees.","date_sent_to_company":"2026-01-20T21:40:11.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"39180","tags":null,"has_narrative":true,"complaint_id":"18871837","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2026-01-20T20:42:32.000Z","state":"MS","company_public_response":null,"sub_issue":"Problem with fees charged"},"highlight":{"complaint_what_happened":["Despite these unresolved issues, Ally Financial processed with billing and collection activity based on <em>loan</em> <em>balance</em> that i <em>disputed</em>. \n\nThis account is formally <em>disputed</em>. I am requesting that Ally Financial investigate the <em>accuracy</em> of the <em>loan</em> <em>balance</em>, document how the <em>loan</em> terms were disclosed and consent obtained, and correct any inaccurate charges related to add-on products or fees."],"product":["Vehicle <em>loan</em> or lease"],"issue":["Managing the <em>loan</em> or lease"],"sub_product":["<em>Loan</em>"]},"sort":[15.56105,"18871837"]},{"_index":"complaint-public-v1","_id":"18548164","_score":15.524155,"_source":{"product":"Student loan","complaint_what_happened":"This complaint concerns PRIVATE student loans serviced by Firstmark ; it is not about federal student loans.\n\nI am submitting this complaint because Firstmark Services is providing inconsistent and misleading information about my private student loans, while continuing collection activity and refusing to provide basic documentation needed to verify the debt and the accuracy of the balance. \n\nXXXX ) Identity of the parties and what Im disputing Firstmark states that it services my private student loans on behalf of Firstmark Serviced Trust. \n\n\nThey also state the loans were previously held by XXXX XXXX and then sold to Firstmark Serviced Trust, with servicing transferred to Firstmark. \n\nMy dispute is not simply I want copies again. My dispute is that : The promissory note documents and identifying details Firstmark has provided are internally inconsistent across different productions, and Firstmark is refusing to address/document these inconsistencies, while continuing normal servicing/collection. \n\nXXXX ) Inconsistent promissory note header data ( same loan, different proof ) Firstmark has produced versions of a Student Loan Promissory Note that include a DocuSign Envelope ID at the top ( even though these loans were originally executed in-person with wet signatures ). \n\nMore importantly, the versions Firstmark provided are not consistent with each other : In XXXX production, the promissory note header includes a Tracking Number field that is blacked out/obscured ( a visible alteration ). \n\nIn a later production, that same header instead displays a different presentation of the tracking number ( masked text rather than black-box redaction ), and the loan period text is presented differently/clearly. \n\nThese are not minor formatting issues. These are identifying fields used to tie a promissory note to a specific loan. If Firstmarks proof changes between productions, it raises serious concerns about document integrity and whether they possess the actual original documents. \n\nXXXX ) Firstmark refuses to provide key information, then claims my requests are no new demands I have repeatedly requested ( and still have not received ) the core information needed to validate the debt and servicing accuracy : Complete, unaltered copies of the original promissory notes for each loan ( complete pages, consistent identifiers ) Full chain-of-title / assignment documentation showing ownership/transfer to the current holder Complete transaction-level payment history, including how payments were applied, capitalization events, and definitions of internal categories Amortization schedule ( XXXX ) that match the contractual terms and explain how the balance was calculated over time Audit trail / evidence supporting any claim of e-signature / DocuSign execution if theyre relying on that Instead of addressing the inconsistencies and producing complete supporting documentation, Firstmark responded in writing that my correspondence raises no new demands and that they are not required to accommodate it.\n\nThey further imply they may ignore similar inquiries without action.\n\nThis is not an acceptable response when the companys own documentation has changed between productions and the account balance is being enforced. \n\nXXXX ) Ongoing confusing/incorrect communications that derail the dispute Firstmark has repeatedly sent communications that do not address my dispute and instead appear to be boilerplate or diversionary. For example : sending irrelevant statements about federal loans ( even though this is a private loan servicing dispute ), and repeatedly attempting to force this into an XXXX  XXXX lane ( police report / forgery affidavit ), even though my complaint is about inconsistent documents, missing documentation, and servicing/balance accuracy. \n\nI am not submitting this complaint to claim someone else opened the account. I am submitting it because Firstmarks documentation is inconsistent, and they are refusing to provide the documentation needed to prove the debt and prove the accuracy of the balance they are attempting to collect. \n\nXXXX ) Harm and risk Firstmark continues collection activity and delinquency pressure while refusing to correct or fully document the account. They also repeatedly reference the possibility of negative credit reporting/default. This creates ongoing harm and risk while the dispute is unresolved.","date_sent_to_company":"2026-01-07T22:31:45.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"84047","tags":null,"has_narrative":true,"complaint_id":"18548164","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2026-01-07T22:26:18.000Z","state":"UT","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["This complaint concerns PRIVATE student <em>loans</em> <em>serviced</em> by Firstmark ; it is not about federal student <em>loans</em>.\n\nI am submitting this complaint because Firstmark <em>Services</em> is providing inconsistent and misleading information about my private student <em>loans</em>, while continuing collection activity and refusing to provide basic documentation needed to verify the debt and the <em>accuracy</em> of the <em>balance</em>."],"product":["Student <em>loan</em>"],"sub_product":["Private student <em>loan</em>"],"sub_issue":["Received bad information about your <em>loan</em>"]},"sort":[15.524155,"18548164"]},{"_index":"complaint-public-v1","_id":"18131224","_score":15.519115,"_source":{"product":"Student loan","complaint_what_happened":"I am reporting serious servicing errors and misconduct related to my federal XXXX loan account that have made it impossible for me to reliably repay or trust the accuracy of my loan. \n\nMy account contains incorrect personal identifying information, specifically a Social Security number that does not match mine, which raises significant concerns about data integrity and the accuracy of all balances, payments, and records associated with this loan. \n\nIn addition, my loan has been rewritten or modified without my knowledge, consent, or authorization. Repayment terms, balances, and payment information appear to have changed without explanation, documentation, or approval. As a result, balances and payment amounts are incorrect, and I can not verify what I truly owe. \n\nI have been attempting to resolve these issues with my loan servicer since XX/XX/year>, but despite repeated contacts, the servicer continues to state that an account specialist will reach out. No such contact has occurred, and no meaningful investigation or correction has been completed. \n\nBecause my account contains incorrect Social Security information, unauthorized loan modifications, and unresolved balance discrepancies, I do not have confidence that any amount being requested is accurate or valid. I can not reasonably be expected to repay a loan when the underlying account data is demonstrably incorrect and has not been properly investigated or corrected. \n\nI am requesting immediate intervention to : Correct all personal identifying information on my account Reverse any unauthorized loan modifications Conduct a full audit of balances and payment history Provide written confirmation of accurate and corrected loan terms Until these errors are resolved, the account remains unreliable and disputed.","date_sent_to_company":"2025-12-18T03:19:30.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"54729","tags":null,"has_narrative":true,"complaint_id":"18131224","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSWORLD SYSTEMS INC","date_received":"2025-12-18T03:14:25.000Z","state":"WI","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["I am reporting serious <em>servicing</em> errors and misconduct related to my federal XXXX <em>loan</em> account that have made it impossible for me to reliably repay or trust the <em>accuracy</em> of my <em>loan</em>. \n\nMy account contains incorrect personal identifying information, specifically a Social Security number that does not match mine, which raises significant concerns about data integrity and the <em>accuracy</em> of all <em>balances</em>, payments, and records associated with this <em>loan</em>."],"product":["Student <em>loan</em>"],"sub_product":["Federal student <em>loan</em> <em>servicing</em>"],"sub_issue":["Received bad information about your <em>loan</em>"]},"sort":[15.519115,"18131224"]},{"_index":"complaint-public-v1","_id":"19524191","_score":15.37611,"_source":{"product":"Student loan","complaint_what_happened":"CFPB Complaint Draft ( Use As-Is ) Email Subject CFPB Complaint Nelnet Student Loan Servicing Violations, Misrepresentation, and Breach I am submitting this complaint to formally report serious and ongoing student loan servicing violations by Nelnet, the federal student loan servicer assigned to my accounts. \nSummary of the Problem Nelnet has engaged in material servicing errors, misrepresentation, and failure to provide accurate and complete information regarding my federal student loans. These issues have caused financial harm, confusion, and loss of trust in the integrity of my loan accounts. \nI am disputing ALL student loans serviced by Nelnet due to these violations. \nDetailed Description of Issues Nelnet has failed in its duties as a federal loan servicer in the following ways ( including but not limited to ) : Inaccurate account balances and unexplained changes Failure to clearly and accurately apply payments Improper capitalization of interest Lack of transparency in how balances and interest are calculated Failure to provide complete loan origination and validation documentation Misrepresentation of repayment terms and borrower rights Inconsistent or misleading account information across statements and online portals Despite my attempts to obtain clear and accurate information, Nelnet has not provided adequate documentation or explanations to validate the alleged debt or demonstrate compliance with federal servicing requirements. \nFormal Dispute and Validation Request I have formally disputed these loans in writing and demanded : Copies of all promissory notes Full loan origination records Complete payment histories Proof of Nelnets authority to service and collect Detailed accounting of balances and interest capitalization As of this complaint, Nelnet has failed to fully validate the debt or correct the servicing errors. \nHarm Caused Nelnets actions have caused : Financial harm due to inaccurate balances and interest Emotional distress and XXXX  Loss of confidence in the accuracy of my loan accounts Inability to make informed repayment decisions due to unreliable information Requested Resolution I am requesting that the CFPB require Nelnet to : Conduct a full audit and correction of all my loan accounts Provide complete validation documentation for each loan Correct or remove any inaccurate balances, interest, or account history Cease adverse actions while disputes remain unresolved Provide a written explanation of all corrections and findings If Nelnet can not properly validate and substantiate these loans, I request that the balances be corrected or discharged as appropriate. \nAdditional Information This complaint is submitted in good faith and supported by written disputes and records. I am requesting CFPB oversight to ensure Nelnet complies with federal student loan servicing laws and borrower protections. \nI certify that the information provided is accurate to the best of my knowledge.","date_sent_to_company":"2026-02-16T13:03:21.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"19524191","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2026-02-16T12:24:56.000Z","state":"SC","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["Formal <em>Dispute</em> and Validation Request I have formally <em>disputed</em> these <em>loans</em> in writing and demanded : Copies of all promissory notes Full <em>loan</em> origination records Complete payment histories Proof of Nelnets authority to <em>service</em> and collect Detailed accounting of <em>balances</em> and interest capitalization As of this complaint, Nelnet has failed to fully validate the debt or correct the <em>servicing</em> errors."],"product":["Student <em>loan</em>"],"sub_product":["Federal student <em>loan</em> <em>servicing</em>"],"sub_issue":["Received bad information about your <em>loan</em>"]},"sort":[15.37611,"19524191"]},{"_index":"complaint-public-v1","_id":"17520967","_score":15.246065,"_source":{"product":"Student loan","complaint_what_happened":"Summary of Dispute : Incorrect Loan Balance and Failure to Provide Verified Payment History I am filing this complaint because my federal student loan servicer, Aidvantage, has provided demonstrably inaccurate loan data and has failed to supply a complete, verified payment history, making it impossible to confirm the accuracy of my outstanding loan balance. \n\nTimeline and Actions : XX/XX/XXXX : I received a notice from XXXX that my loans were paid off. XXXX received my loans as of XX/XX/XXXX. So the fact that I received a notice from XXXX almost 2 months later saying my loans were paid off, I should have a total loan balance of {$0.00}. I received official written notice ( email ) from my previous servicer, XXXX, stating that these loans were Paid In Full. This advice was later ignored or overridden by subsequent servicers. \n\nDate : XX/XX/XXXX : I first contacted the servicer to dispute the outstanding loan balance, which appeared incorrect. I requested a full, itemized, year-by-year payment history for my loans. \n\nXX/XX/XXXX : The servicer provided documentation, claiming it was the complete payment history. However, upon review, this document was fundamentally flawed : The history shows {$0.00} recorded for virtually all scheduled payments since XXXX. \n\nThe servicer 's documentation does not include any record of payments or credits, yet it reports an existing principal balance of {$12000.00}. \n\nXX/XX/XXXX : I filed a another complaint with the XXXX XXXX XXXX  ( XXXX  ) Feedback Center regarding this data error. The response was they had to reach out to XXXX, one of a handful of servicers my loans have been transferred to. \n\nXX/XX/XXXX : Received the exact same flawed payment history. The servicer provided no useful explanation, no correction, and did not address the core issue that their own documents show no payments made. \n\nConclusion : The company has failed to produce an accurate, verifiable payment record. I am disputing the current loan balance reported by the servicer because the documentation they have repeatedly provided is incomplete and inaccurate. I require a full, accurate, and itemized ledger to confirm that all my payments and credits have been properly applied and that the reported outstanding principal is correct.","date_sent_to_company":"2025-11-26T19:02:54.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"34221","tags":null,"has_narrative":true,"complaint_id":"17520967","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2025-11-26T18:15:22.000Z","state":"FL","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["Summary of <em>Dispute</em> : Incorrect <em>Loan</em> <em>Balance</em> and Failure to Provide Verified Payment History I am filing this complaint because my federal student <em>loan</em> <em>servicer</em>, Aidvantage, has provided demonstrably inaccurate <em>loan</em> data and has failed to supply a complete, verified payment history, making it impossible to confirm the <em>accuracy</em> of my outstanding <em>loan</em> <em>balance</em>. \n\nTimeline and Actions : XX/XX/XXXX : I received a notice from XXXX that my <em>loans</em> were paid off. XXXX received my <em>loans</em> as of XX/XX/XXXX."],"product":["Student <em>loan</em>"],"company":["Maximus Federal <em>Services</em>, Inc."],"sub_product":["Federal student <em>loan</em> <em>servicing</em>"],"sub_issue":["Received bad information about your <em>loan</em>"]},"sort":[15.246065,"17520967"]},{"_index":"complaint-public-v1","_id":"16651957","_score":15.184766,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In XX/XX/year>, I filed a credit report dispute with XXXX  regarding a mortgage account reported by Midwest Loan Services. \n\nOn XX/XX/year>, XXXX  issued investigation results stating that the disputed account had been updated to show a {$0.00} balance and paid or paying as agreed status. XXXX days later, on XX/XX/year>, XXXX  issued another investigation result for the same account and file number, this time stating the item was verified as accurate but showing a {$210000.00} balance and reinstating the loan as active. \n\nThese XXXX outcomes are contradictory and can not both be accurate. This inconsistency suggests that either the data furnisher ( Midwest Loan Services ) or XXXX  did not properly verify the information as required under the fair credit reporting act ( FCRA ). \n\nI am requesting that XXXX  provide the method of verification used in the second investigation, including how and from whom the information was verified. I also request that Midwest Loan Services conduct a reinvestigation and provide documentation substantiating the current balance. \n\nIf neither company can validate the accuracy of the reported balance with evidence, I am requesting deletion of the tradeline from my XXXX  credit report and confirmation of the correction in writing.","date_sent_to_company":"2025-10-17T19:25:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"75204","tags":null,"has_narrative":true,"complaint_id":"16651957","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Midwest Loan Services, Inc.","date_received":"2025-10-17T19:25:08.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["In XX/XX/year>, I filed a credit report <em>dispute</em> with XXXX  regarding a mortgage account reported by Midwest <em>Loan</em> <em>Services</em>. \n\nOn XX/XX/year>, XXXX  issued investigation results stating that the <em>disputed</em> account had been updated to show a {$0.00} <em>balance</em> and paid or paying as agreed status."],"company":["Midwest <em>Loan</em> <em>Services</em>, Inc."]},"sort":[15.184766,"16651957"]},{"_index":"complaint-public-v1","_id":"19005234","_score":15.107375,"_source":{"product":"Student loan","complaint_what_happened":"XXXX XX/XX/year>, XXXX ( 2 days ago ) to me To Whom It May Concern, I am writing to formally dispute the servicing and calculation of my federal student loan under the Public Service Loan Forgiveness ( PSLF ) program and to request an immediate review for correction and forgiveness. \n\nI am a teacher and have remained continuously employed in qualifying public service. I have submitted my Employment Certification Forms ( ECFs ) and reinstatement documentation on an annual basis, as required under the PSLF program. Despite my compliance, my loan has been transferred among three different servicers, and during these servicing transfers, qualifying payments, employment certification, and payment counts appear to have been misapplied or omitted, resulting in a miscalculated balance. \n\nUnder 34 C.F.R. 685.219, the U.S. Department of Education and its loan servicers are required to accurately track and credit qualifying payments made while a borrower is employed full-time in public service. Servicing transfers do not relieve servicers of this obligation, nor may borrowers be penalized for record-keeping errors that occur during such transfers. \n\nI am requesting the following : A full accounting of all qualifying PSLF payments from loan origination to present Documentation showing how each Employment Certification Form was applied A detailed explanation of how my current payment count and balance were calculated Written confirmation of all servicing transfers and record reconciliation Pursuant to the Higher Education Act ( 20 U.S.C. 1082, 1087 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am disputing the accuracy of the reported balance and payment history. If the Department or its servicers can not substantiate the accuracy of the loan through complete and accurate records, I request immediate correction, including retroactive credit of qualifying payments, balance adjustment, refund of overpayments, or administrative discharge consistent with PSLF requirements. \n\nFurther, continued collection activity on a loan subject to unresolved servicing errors may constitute arbitrary and capricious agency action under the Administrative Procedure Act ( 5 U.S.C. 706 ).\n\nPlease place my account into administrative forbearance while this dispute and PSLF review are pending. I request a written response within 30 days. \n\nThank you for your prompt attention to this matter. \n\nSincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX","date_sent_to_company":"2026-01-26T15:27:09.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"30157","tags":null,"has_narrative":true,"complaint_id":"19005234","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"MOHELA","date_received":"2026-01-26T15:19:01.000Z","state":"GA","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["If the Department or its <em>servicers</em> can not substantiate the <em>accuracy</em> of the <em>loan</em> through complete and accurate records, I request immediate correction, including retroactive credit of qualifying payments, <em>balance</em> adjustment, refund of overpayments, or administrative discharge consistent with PSLF requirements."],"product":["Student <em>loan</em>"],"sub_product":["Federal student <em>loan</em> <em>servicing</em>"],"sub_issue":["Received bad information about your <em>loan</em>"]},"sort":[15.107375,"19005234"]},{"_index":"complaint-public-v1","_id":"18341454","_score":15.086653,"_source":{"product":"Student loan","complaint_what_happened":"My federal student loans originated from the XXXX XXXX XXXX ( XXXX ). My account has been transferred multiple times over a 15+ year servicing chain. \n\nDue to repeated servicing transfers, Aidvantage has failed to properly credit payments I made prior to the COVID-19 payment pause, has incorrect school code and enrollment reporting on my account, and has improperly capitalized interest resulting in inflated and inaccurate balances. \n\nAidvantage can not provide consistent, verifiable historical payment records or documentation supporting the current balance. My balance has increased without documented accounting justification. \n\nI am formally disputing the accuracy, servicing history, and reporting of my federal student loan account and am requesting a full forensic accounting audit, correction of all inaccurate balances, and suspension of collection activity and negative credit reporting until the investigation is completed.","date_sent_to_company":"2025-12-29T15:40:18.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"21144","tags":null,"has_narrative":true,"complaint_id":"18341454","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2025-12-29T15:15:42.000Z","state":"MD","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["Aidvantage can not provide consistent, verifiable historical payment records or documentation supporting the current <em>balance</em>. My <em>balance</em> has increased without documented accounting justification. \n\nI am formally <em>disputing</em> the <em>accuracy</em>, <em>servicing</em> history, and reporting of my federal student <em>loan</em> account and am requesting a full forensic accounting audit, correction of all inaccurate <em>balances</em>, and suspension of collection activity and negative credit reporting until the investigation is completed."],"product":["Student <em>loan</em>"],"company":["Maximus Federal <em>Services</em>, Inc."],"sub_product":["Private student <em>loan</em>"]},"sort":[15.086653,"18341454"]},{"_index":"complaint-public-v1","_id":"18297265","_score":15.019632,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My federal student loan accounts are being reported inaccurately and inconsistently across credit bureaus by my loan servicers. The same underlying loans appear under multiple creditor names with conflicting balances, dates, and account statuses.\n\nSome accounts are reported as closed, transferred, or paid with a zero balance, yet continue to appear on my credit report. Other accounts are reported as open and deferred but show inconsistent creditor classifications and reporting dates.\n\nIn addition, my loan servicer disclosed a data breach involving borrower information, raising serious concerns about the integrity and accuracy of the data being furnished. Despite disputes, inaccurate and unverifiable information continues to be reported, harming my credit profile. \nI am requesting a full investigation, correction or deletion of inaccurate tradelines, and confirmation that only verified and accurate information is reported.","date_sent_to_company":"2025-12-26T16:56:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30228","tags":null,"has_narrative":true,"complaint_id":"18297265","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"MOHELA","date_received":"2025-12-26T16:48:20.000Z","state":"GA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["My federal student <em>loan</em> accounts are being reported inaccurately and inconsistently across credit bureaus by my <em>loan</em> <em>servicers</em>. The same underlying <em>loans</em> appear under multiple creditor names with conflicting <em>balances</em>, dates, and account statuses.\n\nSome accounts are reported as closed, transferred, or paid with a zero <em>balance</em>, yet continue to appear on my credit report. Other accounts are reported as open and deferred but show inconsistent creditor classifications and reporting dates."]},"sort":[15.019632,"18297265"]},{"_index":"complaint-public-v1","_id":"18297267","_score":15.010311,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My federal student loan accounts are being reported inaccurately and inconsistently across credit bureaus by my loan servicers. The same underlying loans appear under multiple creditor names with conflicting balances, dates, and account statuses. \nSome accounts are reported as closed, transferred, or paid with a XXXX balance, yet continue to appear on my credit report. Other accounts are reported as open and deferred but show inconsistent creditor classifications and reporting dates. \nIn addition, my loan servicer disclosed a data breach involving borrower information, raising serious concerns about the integrity and accuracy of the data being furnished. Despite disputes, inaccurate and unverifiable information continues to be reported, harming my credit profile. \nI am requesting a full investigation, correction or deletion of inaccurate tradelines, and confirmation that only verified and accurate information is reported.","date_sent_to_company":"2025-12-26T16:56:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30228","tags":null,"has_narrative":true,"complaint_id":"18297267","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-26T16:56:22.000Z","state":"GA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["My federal student <em>loan</em> accounts are being reported inaccurately and inconsistently across credit bureaus by my <em>loan</em> <em>servicers</em>. The same underlying <em>loans</em> appear under multiple creditor names with conflicting <em>balances</em>, dates, and account statuses. \nSome accounts are reported as closed, transferred, or paid with a XXXX <em>balance</em>, yet continue to appear on my credit report. Other accounts are reported as open and deferred but show inconsistent creditor classifications and reporting dates."]},"sort":[15.010311,"18297267"]},{"_index":"complaint-public-v1","_id":"18297266","_score":15.010311,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My federal student loan accounts are being reported inaccurately and inconsistently across credit bureaus by my loan servicers. The same underlying loans appear under multiple creditor names with conflicting balances, dates, and account statuses. \nSome accounts are reported as closed, transferred, or paid with a XXXX balance, yet continue to appear on my credit report. Other accounts are reported as open and deferred but show inconsistent creditor classifications and reporting dates. \nIn addition, my loan servicer disclosed a data breach involving borrower information, raising serious concerns about the integrity and accuracy of the data being furnished. Despite disputes, inaccurate and unverifiable information continues to be reported, harming my credit profile. \nI am requesting a full investigation, correction or deletion of inaccurate tradelines, and confirmation that only verified and accurate information is reported.","date_sent_to_company":"2025-12-26T16:56:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30228","tags":null,"has_narrative":true,"complaint_id":"18297266","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-26T16:56:22.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["My federal student <em>loan</em> accounts are being reported inaccurately and inconsistently across credit bureaus by my <em>loan</em> <em>servicers</em>. The same underlying <em>loans</em> appear under multiple creditor names with conflicting <em>balances</em>, dates, and account statuses. \nSome accounts are reported as closed, transferred, or paid with a XXXX <em>balance</em>, yet continue to appear on my credit report. Other accounts are reported as open and deferred but show inconsistent creditor classifications and reporting dates."]},"sort":[15.010311,"18297266"]},{"_index":"complaint-public-v1","_id":"5634478","_score":14.9467535,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In XX/XX/XXXX, OSLA commenced servicing of ( XXXX ) student loans issued by DEPT OF EDUCATION / OSLA which reflects a current outstanding balance of {$21000.00} and {$23000.00} as if XX/XX/XXXX ( last reporting period ). In XX/XX/XXXX, i applied for the Public Service Loan Forgiveness Program ( PSLF ). As a result, both loans were transferred on XX/XX/XXXX from OSLA to XXXX for processing. On XX/XX/XXXX, XXXX completed the processing of my PSLF application which was approved and as a result, both loans were canceled and the balances were zeroed out ( {$0.00} ). Since information regarding student loans are not required to be reported to the credit agencies, OSLA or XXXX did not report such transfer which continues to show that OSLA is servicing the loan. On XX/XX/XXXX, XX/XX/XXXX and again in XX/XX/XXXX, I submitted disputes with XXXX, XXXX and XXXX disputing the accuracy of the balance and each time the resolution resulted in the balances remaining the same/accurate. I submitted verification letters from OSLA and XXXX showing a {$0.00} current balance to no avail. I contacted OSLA on XX/XX/XXXX and requested that the update my information with the credit agencies but they informed me that since they no longer hold the loan, they are unable to update the information and that i should contact XXXX. I spoke to XXXX but the said that they will send me a verification letter and that i would need to contact the credit bureaus to get this information updated, but this effort has failed multiple times.","date_sent_to_company":"2022-06-04T10:11:38.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"06611","tags":null,"has_narrative":true,"complaint_id":"5634478","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Oklahoma Student Loan Authority","date_received":"2022-06-04T09:32:05.000Z","state":"CT","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX, XX/XX/XXXX and again in XX/XX/XXXX, I submitted <em>disputes</em> with XXXX, XXXX and XXXX <em>disputing</em> the <em>accuracy</em> of the <em>balance</em> and each time the resolution resulted in the <em>balances</em> remaining the same/accurate. I submitted verification letters from OSLA and XXXX showing a {$0.00} current <em>balance</em> to no avail."],"company":["Oklahoma Student <em>Loan</em> Authority"]},"sort":[14.9467535,"5634478"]},{"_index":"complaint-public-v1","_id":"16980521","_score":14.938542,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Triad Financial Services is reporting a charged-off manufactured home loan with a balance of {$52000.00} that has not been properly verified or updated since 2023. I disputed this account and requested documentation proving its accuracy, including the original signed loan agreement, payment history, and proof of any repossession or deficiency balance. The company failed to provide any of this information. Despite not verifying the debt, Triad continues to report it as a valid charge-off, which is inaccurate and misleading. This violates the Fair Credit Reporting Act ( FCRA ), which requires furnishers to conduct a reasonable investigation and ensure the accuracy and completeness of any information they report to the credit bureaus. This inaccurate account continues to damage my credit profile.","date_sent_to_company":"2025-11-04T01:35:48.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"46514","tags":null,"has_narrative":true,"complaint_id":"16980521","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRIAD FINANCIAL SERVICES, INC.","date_received":"2025-11-04T01:31:21.000Z","state":"IN","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Triad Financial <em>Services</em> is reporting a charged-off manufactured home <em>loan</em> with a <em>balance</em> of {$52000.00} that has not been properly verified or updated since 2023. I <em>disputed</em> this account and requested documentation proving its <em>accuracy</em>, including the original signed <em>loan</em> agreement, payment history, and proof of any repossession or deficiency <em>balance</em>. The company failed to provide any of this information."],"company":["TRIAD FINANCIAL <em>SERVICES</em>, INC."]},"sort":[14.938542,"16980521"]},{"_index":"complaint-public-v1","_id":"18701647","_score":14.838455,"_source":{"product":"Mortgage","complaint_what_happened":"I am submitting this complaint due to ongoing foreclosure threats, harassment, and improper mortgage servicing conduct by CalCon Mutual Mortgage, LLC, despite : An active, pending federal lawsuit disputing the validity, accuracy, and enforceability of the loan ; A formally disputed loan balance and accounting, including unresolved credits and unauthorized liens ; A bad-faith Trial Period Plan ( TPP ) that was unaffordable, repeatedly altered, and never agreed to ; Continuous foreclosure communications while disputes and loss-mitigation review remain open.\n\nCalCons actions appear to constitute dual tracking, coercive servicing practices, and harassment, and are causing ongoing harm to my household. \n\nACTIVE LITIGATION AND NOTICE TO SERVICER There is an active civil lawsuit involving this mortgage currently pending in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  following removal from the XXXX XXXX XXXX XXXX XXXX XXXX. \n\nCalCon Mutual Mortgage, along with Schumacher Mortgage Services and Schumacher Homes, is represented by counsel, and has been on notice of the litigation, disputes, and amended pleadings since XX/XX/XXXX, with continued filings in XX/XX/XXXX. \n\nDespite this, CalCon continues to behave as though the debt is undisputed and fully enforceable. \n\nDISPUTED LOAN ACCURACY AND ACCOUNTING ERRORS I have formally disputed the loan balance and servicing accuracy, including but not limited to : Inflation of the loan balance beyond documented construction costs ; Failure to apply acknowledged change-order credits ; Failure to apply construction loan payments already made ; Unauthorized use of my prior home sale proceeds ; Improper placement of a second lien ; Unauthorized inclusion and use of my XXXX mothers income. \n\nA full True Construction Cost Reconciliation demonstrates that the maximum legitimate loan balance should be approximately {$200000.00}, not the amount CalCon is attempting to enforce.\n\nThese disputes have not been resolved, corrected, or adequately addressed in writing. \nBAD-FAITH TRIAL PERIOD PLAN ( TPP ) CalCon offered a Trial Period Plan that : Initially required payments of approximately {$2100.00} per month, which I struggled to pay but did pay ; Was later unilaterally increased to over {$3100.00} per month ; Then altered again to approximately {$2700.00} per month ; Was never affordable based on my verified income of approximately {$1400.00} bi-weekly ; Was never agreed to or signed by me.\n\nI explicitly notified CalCon in writing that these payments were unaffordable and unsustainable. Acceptance would have guaranteed default. \nRather than correcting the underlying loan errors, CalCon appears to be using the TPP as leverage to force compliance or justify foreclosure. \n\nONGOING FORECLOSURE HARASSMENT AND COERCIVE CONDUCT Despite the above, CalCon continues to : Send frequent foreclosure and foreclosure at risk emails ; Mail repeated foreclosure notices to my home ; Physically come to my property and post notices on my door ; Continue servicing and foreclosure communications while simultaneously claiming my dispute is under review. \n\nThese actions are occurring while litigation is active, while the loan is disputed, and while loss-mitigation review has not been concluded. \nThis conduct is intimidating, disruptive, and harassing, particularly given that CalCon is represented by counsel and fully aware of the pending lawsuit. \nWHY THIS CONDUCT IS IMPROPER CalCons actions raise serious concerns under federal servicing standards, including : Dual tracking during active dispute and loss-mitigation review ; Bad-faith loss mitigation by offering knowingly unaffordable trial terms ; Harassment and coercive collection practices ; Attempting to enforce a debt whose accuracy and legality are under active judicial review. \nAt no point have I refused to engage. I have consistently requested correction, reconciliation, and affordability. \n\nHARM TO CONSUMER This conduct has caused : Ongoing emotional distress and fear of displacement ; Disruption to my household, including my children and elderly mother ; Interference with my legal rights while litigation is pending ; Unnecessary escalation instead of good-faith resolution.","date_sent_to_company":"2026-01-14T00:58:54.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"150XX","tags":null,"has_narrative":true,"complaint_id":"18701647","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS","date_received":"2026-01-14T00:35:58.000Z","state":"PA","company_public_response":null,"sub_issue":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure"},"highlight":{"complaint_what_happened":["<em>DISPUTED</em> <em>LOAN</em> <em>ACCURACY</em> AND ACCOUNTING ERRORS I have formally <em>disputed</em> the <em>loan</em> <em>balance</em> and <em>servicing</em> <em>accuracy</em>, including but not limited to : Inflation of the <em>loan</em> <em>balance</em> beyond documented construction costs ; Failure to apply acknowledged change-order credits ; Failure to apply construction <em>loan</em> payments already made ; Unauthorized use of my prior home sale proceeds ; Improper placement of a second lien ; Unauthorized inclusion and use of my XXXX mothers income."],"company":["CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME <em>LOANS</em>"]},"sort":[14.838455,"18701647"]},{"_index":"complaint-public-v1","_id":"18638493","_score":14.808903,"_source":{"product":"Debt collection","complaint_what_happened":"I am submitting a dispute regarding an auto loan account being reported by Global Lending Service. This account is reported as charged off with a balance of {$2600.00}. I dispute the accuracy and completeness of this account.\n\nUnder the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ), furnishers are required to report information that is accurate and complete. This account is being reported with missing and inconsistent information, including the absence of the original creditor details and unclear accounting of how the reported balance was calculated.\n\nAdditionally, under 15 U.S.C. 1681s-2 ( b ), once a dispute is filed, the furnisher is required to conduct a reasonable investigation and provide verification of the debt. I am requesting full verification, including a complete payment history, proof of the charged-off balance, and documentation showing I am legally responsible for the amount being reported. \nIf Global Lending Service can not provide proper verification and documentation supporting the accuracy of this account, I request that the account be removed from my credit report.","date_sent_to_company":"2026-01-11T22:28:27.000Z","issue":"False statements or representation","sub_product":"Auto debt","zip_code":"271XX","tags":null,"has_narrative":true,"complaint_id":"18638493","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Global Lending Services LLC","date_received":"2026-01-11T22:06:40.000Z","state":"NC","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I am submitting a <em>dispute</em> regarding an auto <em>loan</em> account being reported by Global Lending <em>Service</em>. This account is reported as charged off with a <em>balance</em> of {$2600.00}. I <em>dispute</em> the <em>accuracy</em> and completeness of this account.\n\nUnder the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ), furnishers are required to report information that is accurate and complete."],"company":["Global Lending <em>Services</em> LLC"]},"sort":[14.808903,"18638493"]},{"_index":"complaint-public-v1","_id":"20711470","_score":14.774818,"_source":{"product":"Mortgage","complaint_what_happened":"This complaint is directly related to CFPB Complaint No. XXXX filed against XXXX XXXX XXXXXXXX regarding the same loan. \n\nThe servicing issues originated under XXXX XXXX XXXXXXXX and have continued without correction under the current servicer, Shellpoint Mortgage Servicing ( NewRez LLC ). The same loan, payment history, and accounting discrepancies remain unresolved following the servicing transfer, and Shellpoint is currently maintaining and enforcing a disputed balance derived from prior servicing errors. \n\nThe issues are continuous across both servicers and include : Payments made over the life of the loan exceeding $ XXXX, while only approximately {$23000.00} has been credited in the loan history Funds placed into unapplied/suspense accounts dating back to servicing under XXXX XXXX XXXXXXXX No delinquency during the borrowers lifetime, yet payments were held unapplied Payments designated for principal and escrow not applied as intended Escrow discrepancies including both city and county tax charges for a city-located property Foreclosure-related fees assessed without a corresponding court filing These issues originated under XXXX XXXX XXXXXXXX and were transferred as part of the loan servicing record to Shellpoint, which has continued to rely on and enforce the same unreconciled and inaccurate account balance. \n\nShellpoint is currently : Maintaining and reporting a disputed balance exceeding {$50000.00} Failing to correct or reconcile prior servicing errors Continuing to rely on incomplete or inaccurate payment history Issuing vacancy notices despite the property being owner-occupied and insured Failing to provide a clear accounting of how payments were applied These actions raise concerns under RESPA ( 12 U.S.C. 2605 ; 12 C.F.R. Part 1024 ) regarding failure to properly apply payments and correct servicing errors, and TILA ( 15 U.S.C. 1601 et seq. ) regarding accuracy of loan balance and disclosures.","date_sent_to_company":"2026-05-04T14:35:57.000Z","issue":"Trouble during payment process","sub_product":"VA mortgage","zip_code":"21216","tags":null,"has_narrative":true,"complaint_id":"20711470","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2026-03-27T11:53:59.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Payment process"},"highlight":{"complaint_what_happened":["Part 1024 ) regarding failure to properly apply payments and correct <em>servicing</em> errors, and TILA ( 15 U.S.C. 1601 et seq. ) regarding <em>accuracy</em> of <em>loan</em> <em>balance</em> and disclosures."]},"sort":[14.774818,"20711470"]},{"_index":"complaint-public-v1","_id":"14405612","_score":14.765262,"_source":{"product":"Student loan","complaint_what_happened":"To Whom It May Concern, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding the inaccurate and harmful reporting of my federal student loans, previously serviced by FedLoan Servicing and now transferred to EdFinancial Services.\n\nSince this transition, my credit report shows multiple entries for the same loans, along with increased balances, duplicate tradelines, and inconsistent reporting of deferment/forbearance periods, all of which are in direct violation of federal law, including : 15 U.S.C. 1681s-2 ( a ) : Furnishers must provide accurate and complete information.\n\n15 U.S.C. 1681e ( b ) : Credit bureaus must maintain procedures to assure maximum possible accuracy.\n\n15 U.S.C. 1681i : Upon notice of a dispute, CRAs must investigate and delete or correct inaccurate data.\n\nI specifically dispute the following issues : 1. Duplicate Loan Reporting : My student loans are being reported multiple times as if they are separate loans when in fact they are a continuation of the original FedLoan account ( s ). This is deceptive and inflates my open debt profile.\n\n2. Inflated Balances After Transfer : The balances for several loans increased after the servicing transfer. I request a full validation showing how and why these balances changed, including interest capitalization or errors.\n\n3. Improper Reporting During Deferment : Some accounts reflect payments due or account activity while the loans were in deferment or forbearance, which is factually and legally inaccurate.\n\nI demand that you : Delete all duplicate loan entries created by the servicing transition ; Correct any inflated balances that do not reflect true loan terms ; Update all accounts to reflect accurate deferment or forbearance status during all applicable months ; Provide complete verification including : Original Master Promissory Note ( s ) Full transfer documentation from FedLoan to EdFinancial Payment histories before and after the transition A breakdown of interest, fees, and capitalized amounts If you can not verify these details within the 30-day timeframe mandated by the FCRA, you are required to delete the disputed tradelines entirely.\n\nFailure to act will result in complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Student Aid Ombudsman, Federal Trade Commission, and any other necessary regulatory body.","date_sent_to_company":"2025-07-01T21:21:07.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"00738","tags":null,"has_narrative":true,"complaint_id":"14405612","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EdFinancial Services","date_received":"2025-07-01T21:15:22.000Z","state":"PR","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["To Whom It May Concern, This letter serves as a formal <em>dispute</em> under the Fair Credit Reporting Act ( FCRA ) regarding the inaccurate and harmful reporting of my federal student <em>loans</em>, previously <em>serviced</em> by Fed<em>Loan</em> <em>Servicing</em> and now transferred to EdFinancial <em>Services</em>."],"product":["Student <em>loan</em>"],"company":["EdFinancial <em>Services</em>"],"sub_product":["Federal student <em>loan</em> <em>servicing</em>"],"sub_issue":["Received bad information about your <em>loan</em>"]},"sort":[14.765262,"14405612"]},{"_index":"complaint-public-v1","_id":"17982133","_score":14.717248,"_source":{"product":"Mortgage","complaint_what_happened":"My grandfather passed so I am acquiring the property and paying the mortgage. I am disputing the accuracy of my entire mortgage loan account because the principal balance has not materially decreased over approximately the last XXXX ( XXXX ) years, despite making regular payments and paying extra amounts specifically toward principal reduction. I'm beginning to question the legitimacy of the entire mortgage because nothing in it makes sense and my grand dad had been paying on this same mortgage for years and wouldn't have ever paid it off within XXXX  years. \n\nOn XX/XX/year>, I sent the servicer a detailed Qualified Written Request under RESPA requesting complete life-of-loan payment history ( PDF and CSV ), all notices for the entire loan, original note and mortgage with all assignments, fee schedules, and servicing policies. The servicer responded with only limited information and a payoff quote, failing to provide the requested servicing records. \n\nOn XX/XX/year>, I sent a formal Notice of Error under 12 C.F.R. 1024.35, identifying the servicer 's failure to respond properly and disputing the account accuracy. The servicer again responded with only a payoff statement dated XX/XX/year>, not the requested life-of-loan history, notices, contract documents, or policies. \n\nOn XX/XX/year>, I sent a follow-up letter formally disputing the entire account ( principal, interest, escrow, fees ) and explaining that payments appear to have been misapplied, held in suspense, or diverted to improper charges over the past XXXX years. \n\nThe servicer has failed to conduct a reasonable investigation or provide the information required under Regulation X. I can not verify whether my payments have been applied correctly, whether the balance is accurate, or whether fees are authorized. I am requesting that the CFPB require the servicer to provide a complete, compliant response and correct any errors.","date_sent_to_company":"2025-12-02T20:30:40.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"365XX","tags":null,"has_narrative":true,"complaint_id":"17982133","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2025-12-02T20:13:59.000Z","state":"AL","company_public_response":null,"sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["On XX/XX/year>, I sent a formal Notice of Error under 12 C.F.R. 1024.35, identifying the <em>servicer</em> 's failure to respond properly and <em>disputing</em> the account <em>accuracy</em>. The <em>servicer</em> again responded with only a payoff statement dated XX/XX/year>, not the requested life-of-<em>loan</em> history, notices, contract documents, or policies."],"sub_issue":["Trying to communicate with the company to fix an issue while managing or <em>servicing</em> your <em>loan</em>"]},"sort":[14.717248,"17982133"]},{"_index":"complaint-public-v1","_id":"18996128","_score":14.702379,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"XXXX XXXX  Credit Dispute Package\\n1. Credit Bureau Dispute Letter (Request for Deletion/Correction)XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  Consumer Dispute CenterXXXX XXXX XXXX XXXX XXXXSubject: Dispute of Inaccurate Auto Loan Account  Toyota Financial Services (Acct ending XXXX\\nTo Whom It May Concern:\\nI am writing to dispute inaccurate information appearing on my XXXX  credit report. The account in question is a XXXX Toyota XXXX XXXX XXXX (Account #XXXX) reported by Toyota Financial Services (or its related dealership/lender). My Toyota Financial Services online account shows a $0.00 balance and Paid in Full status for this loan, yet XXXX  is reporting a $XXXX balance with a derogatory status (93% of the loan still unpaid, and severe delinquencies). This is factually incorrect and is causing significant harm to my credit profile. I have enclosed proof of the payoff and the erroneous reporting for your review.\\n\\n\\nExhibit A: Screenshot of my Toyota Financial Services account showing the loan paid in full with a $0.00 remaining balance. The account (ending XXXX for my XXXX XXXX XXXX) is closed and reflects no amount due. This confirms that the loan was fully satisfied and that Toyotas records mark the account as paid off as of the date indicated. There are no outstanding payments and the loan should not be reported as open or delinquent in any way.\\n\\n\\nExhibit B: Screenshot from my XXXX XXXX report (XXXX) showing the Toyota Financial account incorrectly reported as open, with a balance of $XXXX and status 120+ Days Late (Derogatory) as of XXXX. It indicates I have 93% left to pay on the loan and shows multiple missed payments in XXXX This credit bureau information is patently false  the loan was paid and closed, so reporting it as an open derogatory account is a serious error.\\nIn light of this evidence, the information on my XXXX  report is inaccurate and incomplete. Under the Fair Credit Reporting Act (FCRA), credit reporting agencies are required by law to ensure accuracy of the data they publish. Specifically, 15 U.S.C.  1681e(b) mandates that whenever a consumer reporting agency prepares a report, it shall follow reasonable procedures to assure maximum possible accuracy of the information. Reporting a paid-off loan as open and delinquent fails this standard.\\nFurthermore, FCRA  611 (15 U.S.C.  1681i) provides me the right to dispute information and requires you to conduct a reasonable reinvestigation within 30 days of my dispute. I hereby formally dispute the accuracy of the Toyota Financial Services account on my credit report. XXXX  must investigate this matter, correct any errors, and delete information that cannot be verified. If your investigation finds that the account status/balance is indeed inaccurate (as my documentation proves), you are obligated to promptly delete or modify that item from my file per FCRA  1681i(a)(5).\\nRequested Resolution: I demand immediate deletion or correction of this account from my credit report. Please remove the tradeline entirely unless Toyota Financial Services can provide definitive proof that the reported $48,963 balance and derogatory status are accurate (which is impossible, given the enclosed proof of payoff). At minimum, the account must be updated to show Paid in Full with a $0 balance, reflect the correct closed date, and remove any false late payments. This error is severe, and merely marking it as disputed is not sufficient  it needs to be fixed or removed to prevent further damage.\\nEnclosed you will find copies of: (1) my Toyota Financial Services account screenshot confirming the loan was paid off, and (2) the XXXX XXXX report screenshot showing the incorrect data. These documents substantiate my claim. Please ensure your reinvestigation includes contacting the furnisher with these facts.\\nNotice of FCRA Obligations: For your reference, FCRA  607(b) (15 U.S.C. 1681e(b)) requires XXXX  to have reasonable procedures to assure maximum accuracy, which has not happened here. FCRA  611 (15 U.S.C. 1681i) requires that **if an item is found to be inaccurate or unverifiable, it **must be promptly deleted or modified****. Continuing to report this account inaccurately after being put on notice violates federal law. Be advised that willful non-compliance with the FCRA can lead to civil liability. Under 15 U.S.C.  1681n, a willful violation permits statutory damages up to $1,000 per violation, plus punitive damages and attorney fees. Should XXXX  fail to correct this error after receiving this notice and evidence, it may be seen as a willful violation of my rights. I am prepared to escalate this matter  including filing complaints with the Consumer Financial Protection Bureau (CFPB) and the FTC, and seeking legal advice  if the issue is not resolved within the FCRAs timeframe.\\nIn summary, this account is clearly erroneous. Please delete or correct it within 30 days and provide me with an updated credit report showing the change. I also request written confirmation of the outcome of your investigation. Thank you for your prompt attention to this matter; correcting this mistake will help restore the accuracy of my credit file as the law requires.\\nSincerely,\\XXXX XXXXXXXXssn# XXXX","date_sent_to_company":"2026-01-26T02:09:39.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Loan","zip_code":"92392","tags":null,"has_narrative":true,"complaint_id":"18996128","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TOYOTA MOTOR CREDIT CORPORATION","date_received":"2026-01-26T02:04:49.000Z","state":"CA","company_public_response":null,"sub_issue":"Unable to receive car title or other problem after the loan is paid off"},"highlight":{"complaint_what_happened":["XXXX XXXX  Credit <em>Dispute</em> Package\\n1. Credit Bureau <em>Dispute</em> Letter (Request for Deletion/Correction)XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  Consumer <em>Dispute</em> CenterXXXX XXXX XXXX XXXX XXXXSubject: <em>Dispute</em> of Inaccurate Auto <em>Loan</em> Account  Toyota Financial <em>Services</em> (Acct ending XXXX\\nTo Whom It May Concern:\\nI am writing to <em>dispute</em> inaccurate information appearing on my XXXX  credit report."],"product":["Vehicle <em>loan</em> or lease"],"issue":["Problems at the end of the <em>loan</em> or lease"],"sub_product":["<em>Loan</em>"],"sub_issue":["Unable to receive car title or other problem after the <em>loan</em> is paid off"]},"sort":[14.702379,"18996128"]},{"_index":"complaint-public-v1","_id":"18403312","_score":14.600128,"_source":{"product":"Debt collection","complaint_what_happened":"Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Nelnet XXXX XXXX XXXX XXXX, XXXX XXXX Re : CFPB Complaint Rebuttal Account : XXXX To Whom It XXXX Concern, This letter serves as my formal rebuttal and dispute of the response dated XX/XX/XXXX, issued by Nelnet regarding the above-referenced federal student loan account.\n\nWhile Nelnet asserts that the loan is valid, enforceable, and accurately reported, material issues remain unresolved, and your response does not fully satisfy the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) nor applicable federal servicing standards.\n\n1. Dispute of Account Accuracy I dispute the accuracy, completeness, and legal enforceability of the balance claimed to be {$29000.00}, including : How a 1991 FFEL loan disbursement of {$2600.00} allegedly resulted in a balance exceeding {$29000.00} A complete itemized accounting showing : Capitalized interest events Fees assessed Accrued interest calculations Consolidation payoff application A generalized balance statement does not meet FCRA accuracy standards.\n\n2. Dispute of Consolidation Accounting Your letter states the original loan was paid in full by a XXXX Federal Consolidation Loan, yet the account remains active with a substantial balance. \nPlease provide : Proof of lawful transfer of liability from the FFEL loan into the consolidation loan A payment ledger demonstrating how consolidation funds were applied Documentation showing that no double-counting or re-aging occurred Absent this, the account is unverifiable. \nXXXX. Master Promissory Note ( MPN ) Insufficiency While you reference an MPN and electronic signature : The provided MPN does not identify the specific loan disbursements at issue It does not establish that the current balance claimed is contractually authorized Redacted documents prevent meaningful verification An MPN alone does not prove the accuracy of the amount reported.\n\n4. Dispute of Credit Reporting Under 15 U.S.C. 1681s-2, furnishers must report information that is complete, accurate, and verifiable.\n\nUntil the above documentation is produced : Continued reporting of this account is disputed Any reporting of delinquency, past-due status, or balance is premature and misleading 5. Requested Action I formally request that Nelnet : Conduct a reasonable reinvestigation Provide complete documentary verification of the balance Suspend negative credit reporting pending verification Correct or delete any unverifiable or inaccurate information If these issues can not be resolved, I request escalation to the XXXX XXXX XXXX XXXX for XXXX XXXX. \nReservation of Rights This letter does not constitute acknowledgment of liability, waiver of defenses, or acceptance of the debt as valid. \nThank you for your prompt attention. \nSincerely, XXXX XXXX","date_sent_to_company":"2026-01-01T15:19:40.000Z","issue":"Attempts to collect debt not owed","sub_product":"Federal student loan debt","zip_code":"44122","tags":null,"has_narrative":true,"complaint_id":"18403312","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2026-01-01T15:16:58.000Z","state":"OH","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["<em>Dispute</em> of Account <em>Accuracy</em> I <em>dispute</em> the <em>accuracy</em>, completeness, and legal enforceability of the <em>balance</em> claimed to be {$29000.00}, including : How a 1991 FFEL <em>loan</em> disbursement of {$2600.00} allegedly resulted in a <em>balance</em> exceeding {$29000.00} A complete itemized accounting showing : Capitalized interest events Fees assessed Accrued interest calculations Consolidation payoff application A generalized <em>balance</em> statement does not meet FCRA <em>accuracy</em> standards.\n\n2."],"sub_product":["Federal student <em>loan</em> debt"]},"sort":[14.600128,"18403312"]},{"_index":"complaint-public-v1","_id":"19245369","_score":14.578309,"_source":{"product":"Mortgage","complaint_what_happened":"I filed a XXXX XXXX bankruptcy due to approximately {$14000.00} in mortgage arrears. The plan was confirmed, and I made all required payments throughout the case. The XXXX XXXX bankruptcy concluded in 2019. \n\nTrustee records show that over {$65000.00} was disbursed to U.S. Bank Home Mortgage during the plan. These payments were made consistently and were authorized by the bankruptcy court. Trustee accounting reflects these disbursements as payments to the secured creditor, including amounts labeled as principal. \n\nDespite these substantial payments, my mortgage loan balance did not materially decrease. Interest appears to have continued accruing during the bankruptcy period as if these payments did not amortize the loan. My current balance is comparable to, or higher than, the balance at or near the start of the bankruptcy. \n\nI requested clarification and reconciliation from the servicer regarding how the trustee payments were applied to principal, interest, escrow, and fees. To date, I have not received a clear accounting that reconciles the trustee disbursement records with the current loan balance. \n\nI am disputing the accuracy of the loan balance and believe there may be errors in payment application, interest accrual, escrow accounting, or capitalization of fees. I am requesting a full reconciliation and correction of any servicing errors so that the loan balance accurately reflects the payments made.","date_sent_to_company":"2026-02-04T17:37:47.000Z","issue":"Trouble during payment process","sub_product":"USDA mortgage","zip_code":"43701","tags":null,"has_narrative":true,"complaint_id":"19245369","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2026-02-04T17:28:26.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["To date, I have not received a clear accounting that reconciles the trustee disbursement records with the current <em>loan</em> <em>balance</em>. \n\nI am <em>disputing</em> the <em>accuracy</em> of the <em>loan</em> <em>balance</em> and believe there may be errors in payment application, interest accrual, escrow accounting, or capitalization of fees. I am requesting a full reconciliation and correction of any <em>servicing</em> errors so that the <em>loan</em> <em>balance</em> accurately reflects the payments made."],"sub_issue":["Trying to communicate with the company to fix an issue while managing or <em>servicing</em> your <em>loan</em>"]},"sort":[14.578309,"19245369"]},{"_index":"complaint-public-v1","_id":"21977163","_score":14.568948,"_source":{"product":"Student loan","complaint_what_happened":"I am disputing the accuracy of my federal student loan balances, accrued interest calculations, and aggregate loan limit reporting. \n\nMy student loan history includes : multiple federal consolidations multiple servicers historical XXXX  servicing XXXX XXXX XXXXXXXX XXXX related loans borrower defense discharge related activity After reviewing my XXXX records, I believe discharged or discharge eligible XXXX  related balances and associated accrued interest may not have been properly reconciled following consolidation activity.\n\nI am requesting : a complete life of loan accounting borrower defense discharge accounting accrued interest adjustment history capitalization history consolidation allocation calculations aggregate loan recalculation worksheets correction of any inaccurate aggregate loan reporting This issue is now interfering with my ability to continue doctoral studies because current aggregate loan calculations may be inaccurate.\n\nI am requesting a full audit and correction of my federal student loan account. I contacted them and they said I have to contact XXXX XXXX XXXX.","date_sent_to_company":"2026-05-07T15:52:06.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"32750","tags":null,"has_narrative":true,"complaint_id":"21977163","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2026-05-07T15:19:25.000Z","state":"FL","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["I am <em>disputing</em> the <em>accuracy</em> of my federal student <em>loan</em> <em>balances</em>, accrued interest calculations, and aggregate <em>loan</em> limit reporting."],"product":["Student <em>loan</em>"],"company":["Maximus Federal <em>Services</em>, Inc."],"sub_product":["Federal student <em>loan</em> <em>servicing</em>"],"sub_issue":["Received bad information about your <em>loan</em>"]},"sort":[14.568948,"21977163"]},{"_index":"complaint-public-v1","_id":"17342000","_score":14.5076685,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In 2023, an auto loan serviced by Westlake Services was repossessed. After the repossession, the account began appearing twice on the consumers credit reports : once under Westlake Services and a second time under a collection/attorney account. Both tradelines reported the same alleged deficiency balance of {$9500.00}, effectively duplicating the negative information.\n\nThe consumer disputed the accuracy of the reporting with TransUnion and also requested validation from the collector. Specifically, the consumer requested documentation such as : Proof of assignment or ownership of the debt, An itemized calculation of the deficiency balance, and Repossession and auction information.\n\nDespite these requests, no proper validation or supporting documents were provided by the collector or Westlake Services. The duplicate tradeline and unverified balance continue to be reported, which the consumer believes violates federal credit reporting requirements.\n\nThe consumer is requesting that the duplicate tradeline be removed, that the companies verify who owns the debt, and that complete validation and an accurate accounting of the balance be provided","date_sent_to_company":"2025-11-18T04:01:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"075XX","tags":null,"has_narrative":true,"complaint_id":"17342000","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Westlake Services, LLC","date_received":"2025-11-18T03:41:46.000Z","state":"NJ","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["In 2023, an auto <em>loan</em> <em>serviced</em> by Westlake <em>Services</em> was repossessed. After the repossession, the account began appearing twice on the consumers credit reports : once under Westlake <em>Services</em> and a second time under a collection/attorney account. Both tradelines reported the same alleged deficiency <em>balance</em> of {$9500.00}, effectively duplicating the negative information.\n\nThe consumer <em>disputed</em> the <em>accuracy</em> of the reporting with TransUnion and also requested validation from the collector."],"company":["Westlake <em>Services</em>, LLC"]},"sort":[14.5076685,"17342000"]},{"_index":"complaint-public-v1","_id":"5634481","_score":14.415584,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In XX/XX/XXXX, XXXX commenced servicing of ( XXXX ) student loans issued by XXXX XXXX XXXX / XXXX  which reflects a current outstanding balance of {$21000.00} and {$23000.00} as if XX/XX/XXXX ( last reporting period ). In XX/XX/XXXX, i applied for the XXXX XXXX XXXX XXXX XXXX ( XXXX ). As a result, both loans were transferred on XX/XX/XXXX from XXXX to XXXX for processing. On XX/XX/XXXX, XXXX completed the processing of my XXXX application which was approved and as a result, both loans were canceled and the balances were zeroed out ( {$0.00} ). Since information regarding student loans are not required to be reported to the credit agencies, XXXX or XXXX did not report such transfer which continues to show that XXXX is servicing the loan. On XX/XX/XXXX, XX/XX/XXXX and again in XX/XX/XXXX, I submitted disputes with XXXX, Equifax and XXXX disputing the accuracy of the balance and each time the resolution resulted in the balances remaining the same/accurate. I submitted verification letters from XXXX and XXXX showing a {$0.00} current balance to no avail. I contacted XXXX on XX/XX/XXXX and requested that the update my information with the credit agencies but they informed me that since they no longer hold the loan, they are unable to update the information and that i should contact XXXX. I spoke to XXXX but the said that they will send me a verification letter and that i would need to contact the credit bureaus to get this information updated, but this effort has failed multiple times.","date_sent_to_company":"2022-06-04T10:11:48.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"06611","tags":null,"has_narrative":true,"complaint_id":"5634481","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-06-04T10:11:44.000Z","state":"CT","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX, XX/XX/XXXX and again in XX/XX/XXXX, I submitted <em>disputes</em> with XXXX, Equifax and XXXX <em>disputing</em> the <em>accuracy</em> of the <em>balance</em> and each time the resolution resulted in the <em>balances</em> remaining the same/accurate. I submitted verification letters from XXXX and XXXX showing a {$0.00} current <em>balance</em> to no avail."]},"sort":[14.415584,"5634481"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":2008,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":2008}]}},"product":{"doc_count":2008,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":1405,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":1398},{"key":"Other personal consumer report","doc_count":7}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":205,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":201},{"key":"Other personal consumer 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