{"took":74,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":94,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"8984297","_score":18.09153,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The Creditor negotiated with me and agreed to delete the tradeline after I settled. \nThey consistently reported inaccurate information to the credit bureaus. \nThe Creditor then changes an amount remaining and posts this inaccurate amount as past due although they knew the balance was XXXX. Please take a look, they report as accurate what should be deleted or XXXX and force us to continue disputing and take as long as they desire with ultimately the same result. \nNothing or additional false information! \nThe Creditors are never penalized but they report whatever they want and it lowers our scores. It never matters to the Credit Bureaus that we attach justification with online disputes either.","date_sent_to_company":"2024-05-11T13:29:52.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"8984297","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Absolute Resolutions Corp.","date_received":"2024-05-11T13:29:51.000Z","state":"SC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The Creditor negotiated with me and <em>agreed</em> to delete the tradeline after I settled. \nThey consistently reported inaccurate information to the credit bureaus. \nThe Creditor then changes an amount remaining and posts this inaccurate amount as past due although they <em>knew</em> the <em>balance</em> was XXXX. Please take a look, they report as <em>accurate</em> what should be deleted or XXXX and force us to continue <em>disputing</em> and take as long as they desire with ultimately the same result."]},"sort":[18.09153,"8984297"]},{"_index":"complaint-public-v1","_id":"8984302","_score":18.05466,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The Creditor negotiated with me and agreed to delete the tradeline after I settled. \nThey consistently reported inaccurate information to the credit bureaus. \nThe Creditor then changes an amount remaining and posts this inaccurate amount as past due although they knew the balance was XXXX. Please take a look, they report as accurate what should be deleted or XXXX  and force us to continue disputing and take as long as they desire with ultimately the same result. \nNothing or additional false information! \nThe Creditors are never penalized but they report whatever they want and it lowers our scores. It never matters to the Credit Bureaus that we attach justification with online disputes either.","date_sent_to_company":"2024-05-11T13:29:46.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"8984302","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Webcollex, LLC","date_received":"2024-05-11T12:31:46.000Z","state":"SC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The Creditor negotiated with me and <em>agreed</em> to delete the tradeline after I settled. \nThey consistently reported inaccurate information to the credit bureaus. \nThe Creditor then changes an amount remaining and posts this inaccurate amount as past due although they <em>knew</em> the <em>balance</em> was XXXX. Please take a look, they report as <em>accurate</em> what should be deleted or XXXX  and force us to continue <em>disputing</em> and take as long as they desire with ultimately the same result."]},"sort":[18.05466,"8984302"]},{"_index":"complaint-public-v1","_id":"3255412","_score":15.650126,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I leased a vehicle from XXXX in XX/XX/XXXX, jointly with my daughter. In XX/XX/XXXX we turned the vehicle in early directly to a dealer, and received the Turned In Completed paperwork on XXXX. We knew there would be an amount owed and the dealership said that we would receive a letter stating the balance owed. We didn't receive this letter until XXXX and paid the balance due immediately. In early XX/XX/XXXX I saw that my Experian credit score dropped from XXXX to XXXX and found it is because the XXXX tradeline does show paid per obligation but ALSO shows late payments in XX/XX/XXXX and XX/XX/XXXX, totaling a 90-day late line item. XXXX also reports the same. I called XXXX and they state that they did not report late payments to the credit bureaus and there is nothing they can do for me. I disputed online with both XXXX and Experian. XXXX closed the dispute the same day I opened it and didn't even look into it. My daughter 's ( joint borrower ) credit report tradeline for the same leased vehicle has been reported accurately with no negative/late payments and is closed correctly, paid as agreed. I have attached the snapshot of her credit report showing it reported properly. How can mine be 90 days late and hers paid as agreed on a joint account?","date_sent_to_company":"2019-05-28T17:13:16.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33064","tags":null,"has_narrative":true,"complaint_id":"3255412","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-05-28T16:40:23.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I <em>disputed</em> online with both XXXX and Experian. XXXX closed the <em>dispute</em> the same day I opened it and didn't even look into it. My daughter 's ( joint borrower ) credit report tradeline for the same leased vehicle has been reported <em>accurately</em> with no negative/late payments and is closed correctly, paid as <em>agreed</em>. I have attached the snapshot of her credit report showing it reported properly. How can mine be 90 days late and hers paid as <em>agreed</em> on a joint account?"]},"sort":[15.650126,"3255412"]},{"_index":"complaint-public-v1","_id":"5235824","_score":15.088465,"_source":{"product":"Debt collection","complaint_what_happened":"RE : DISPUTE : LVNV Funding LLC/ XXXX XXXX XXXX XXXX XXXX ID : XXXX Previous Balance : {$680.00} Account : XXXX account XXXX To whom it may concern : I am writing this letter to DISPUTE : LVNV Funding LLCXXXX XXXX XXXX XXXX XXXX I have called LVNV Funding LLC and spoke with XXXX XXXX at XXXX at XXXX on XX/XX/XXXX to make a settlement offer with good faith to close this account. After speaking with XXXX XXXX of my financial situation she agreed to accept the amount of {$400.00} as a full balance of the account and in addition agreed to delete the account on my credit reports. She also stated in approx. 14 days I will receive a letter confirmation that the account was settled and within 30 days the account will be delete it from all credit reports. After two weeks I received a letter dated on XX/XX/XXXX received on XX/XX/XXXX with the full balance of {$680.00}. \n\nI have sent a letter via fax on XX/XX/XXXX letting them know that this account has been settled and that I am still waiting for the letter. I have also let them know that this balance of {$680.00} should be an error. \n\nToday I checked my credit report in my XXXX account ( Through XXXX ) and LVNV Funding LLC is back reflecting with a balance of {$280.00}. \n\nI felt defrauded and scammed. They lied to me. I want to make a complaint and make a report these fraudulent practices they have done to me and who knows how many people out there looking for a relief like me in these difficult times when through something like this. They did not keep they're word by sending me a letter that this account has been settled and delete this account as we agreed over the phone. \n\nPlease see proof of email payment for the amount of {$400.00} confirming the day, time that this account was PAID and was processed when I was negotiating with them. In addition to the letter letting them know that I'm still waiting from them a letter confirmation that this account has been settled by agreement. There information is not accurate and is actually a violation of the FTC. This account should not be reflecting on my credit report as they agreed to delete the account and accept the payment of {$400.00} as a full balance payment but they did not keep the promise as agreed. In the top of this I am unemployed and they knew it. \n\nThis account should be delete it on all of my credit report and I want a letter via mail with the agreement that this account is settled for the amount of {$400.00} as they agreed and that the account have been deleted from all credit reports. \n\nI appreciate it all your help on this.","date_sent_to_company":"2022-02-17T14:39:53.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"103XX","tags":null,"has_narrative":true,"complaint_id":"5235824","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2022-02-17T14:07:17.000Z","state":"NY","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["There information is not <em>accurate</em> and is actually a violation of the FTC. This account should not be reflecting on my credit report as they <em>agreed</em> to delete the account and accept the payment of {$400.00} as a full <em>balance</em> payment but they did not keep the promise as <em>agreed</em>. In the top of this I am unemployed and they <em>knew</em> it."]},"sort":[15.088465,"5235824"]},{"_index":"complaint-public-v1","_id":"2551449","_score":13.300566,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My complaint is against  XXXX  Credit Bureau and Equifax Credit Bureau. These credit reporting agencies continue to engage in unfair reporting practices.     I have disputed the following accounts to no avai l : 1.   XXXX   XXXX  - Account Number :  XXXX  ....   The creditor inaccurately reported the account as charged off when it fact it was paid directly to the company prior to being charged off. There were several inaccuracies in this reported account, and each time it was disputed,  XXXX  and Equifax allowed the company to keep changing their report instead of demanding actual proof and documentation of the account. The creditor initially reported this as an installment loan - which is was not. The balance was NEVER correct. And now the creditor is reporting it as paid in a settlement, when in fact - the correct and actual balance of the account was paid. Which was less than the creditor ever reported. Each time I disputed this account,   XXXX   and Equifax entered the dispute as being a \" Not My Account '' dispute and then came back saying it was \" verified as my account '' I knew it was my account, however the details were incorrect. I used the online method, as well as calling the bureau directly.   Because of these disputes, the creditor continued to say it was my account. At this point it is still reporting incorrectly and the creditor agreed to remove the account totally from my credit report. I am asking   XXXX   to request the full documented history on the account instead of just electronically verifying the ownership. This account should be removed as promised.     2.   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX  (  XXXX  )  XXXX  Account Number :  XXXX  ....   This company entered a fraudulent judgment against me for an amount I never owed. The courts verified this and the judge therefore vacated the judgment in its ' entirety. This account was supposed to removed from my credit report completely. I sent  XXXX  and Equifax documentation concerning this account, including the judge 's orders and they still continue to report this account as verified as accurate. They allowed the creditor \"  XXXX    XXXX   '' to continue to report this as an open and unpaid account for several months after this was resolved. I have suffered enormous damage as a result of the inaccurate reporting that  XXXX  and Equifax continue to say was \" verified as accurate. '' How was this verified as accurate when I sent the judge 's orders, as well as receipts from the creditors attorney - months ago. Most recently now  XXXX  simply updated it and change the balance to  XXXX .     XXXX   and Equifax needs to request the complete history of this account, including all documentation from the attorney etc, and this will prove that the company participated in fraudulent reporting on behalf.   This derogatory account is supposed to be completely removed from my credit report.","date_sent_to_company":"2017-06-15T13:11:39.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"608XX","tags":null,"has_narrative":true,"complaint_id":"2551449","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-06-14T15:27:32.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The <em>balance</em> was NEVER correct. And now the creditor is reporting it as paid in a settlement, when in fact - the correct and actual <em>balance</em> of the account was paid. Which was less than the creditor ever reported. Each time I <em>disputed</em> this account,   XXXX   and Equifax entered the <em>dispute</em> as being a \" Not My Account '' <em>dispute</em> and then came back saying it was \" verified as my account '' I <em>knew</em> it was my account, however the details were incorrect."]},"sort":[13.300566,"2551449"]},{"_index":"complaint-public-v1","_id":"2543542","_score":13.2456,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My complaint is against Experian Credit Bureau and   XXXX   Credit Bureau. These credit reporting agencies continue to engage in unfair reporting practices.     I have disputed the following accounts to no avail :  1.   XXXX   XXXX  - Account  Number  :  XXXX  ....   The creditor inaccurately reported the account as charged off when it fact it was paid directly to the company prior to being charged off. There were several inaccuracies in this reported account, and each time it was disputed, Experian and   XXXX   allowed the company to keep changing their report instead of demanding actual proof and documentation of the account. The creditor initially reported this as an installment loan - which is was not. The balance was NEVER correct. And now the creditor is reporting it as paid in a settlement, when in fact - the correct and actual balance of the account was paid. Which was less than the creditor ever reported. Each time I disputed this account, Experian and   XXXX   entered the dispute as being a \" Not My Account '' dispute and then came back saying it was \" verified as my account '' I knew it was my account, however the details were incorrect. I used the online method, as well as calling the bureau directly.   Because of these disputes, the creditor continued to say it was my account. At this point it is still reporting incorrectly and the creditor agreed to remove the account totally from my credit report. I am asking Experian to request the full documented history on the account instead of just electronically verifying the ownership. This account should be removed as promised.  <P/> 2.   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX , IL  XXXX  (  XXXX  )  XXXX  Account Number :  XXXX  ....   This company entered a fraudulent judgment against me for an amount I never owed. The courts verified this and the judge therefore vacated the judgment in its ' entirety. This account was supposed to removed from my credit report completely. I sent Experian and   XXXX    documentation concerning this account, including the judge 's orders and they still continue to report this account as verified as accurate. They allowed the creditor \"   XXXX   XXXX   '' to continue to report this as an open and unpaid account for several months after this was resolved. I have suffered enormous damage as a result of the inaccurate reporting that Experian and   XXXX    continue to say was \" verified as accurate. '' How was this verified as accurate when I sent the judge 's orders, as well as receipts from the creditors attorney - months ago. Most recently now Experian simply updated it and change the balance to  XXXX .   Experian and   XXXX   needs to request the complete history of this account, including all documentation from the attorney etc, and this will prove that the company participated in fraudulent reporting on behalf.   This derogatory account is supposed to be completely removed from my credit report.","date_sent_to_company":"2017-06-15T19:46:26.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"608XX","tags":null,"has_narrative":true,"complaint_id":"2543542","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-06-14T14:58:30.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The <em>balance</em> was NEVER correct. And now the creditor is reporting it as paid in a settlement, when in fact - the correct and actual <em>balance</em> of the account was paid. Which was less than the creditor ever reported. Each time I <em>disputed</em> this account, Experian and   XXXX   entered the <em>dispute</em> as being a \" Not My Account '' <em>dispute</em> and then came back saying it was \" verified as my account '' I <em>knew</em> it was my account, however the details were incorrect."]},"sort":[13.2456,"2543542"]},{"_index":"complaint-public-v1","_id":"3874552","_score":12.184306,"_source":{"product":"Debt collection","complaint_what_happened":"Mr. XXXX XXXX XXXX XXXX XXXX XXXX Veteran with stage XXXX XXXX XXXX submits another complaint against USAA Savings Bank and USAA Auto Insurance! I've submitted this complaint before but tired of getting harrassed due to collection accounts which I have never agreed. \nAgain the XXXX XXXX XXXX was totaled in an accident and USAA did not follow the law correctly regarding this Vehicle. Customer received total loss letter XXXX and XX/XX/XXXX and after Customer sent Title back, USAA tried to fix the Vehicle spending over $ XXXX on a Vehicle worth around $ XXXX $ XXXX. Vehicle was over 90 % damaged and USAA stated it was totaled on the phone and by letter ( I have the voice mail stating vehicle was totaled ). \nUSAA tried to fix Vehicle and than repro it and sent the Customer the bill for XXXX with no Vehicle? How could they fix the Vehicle,  total it, repro it and then tell the Customer we owe them and still don't have a Vehicle. How did they get away with this and still today get to put false information on my credit report? I don't owe them for any Vehicle loans because car was totaled and the correct information is not listed on the Credit Report. Balance is wrong because it should be {$0.00} and paid in full or remove because the Vehicle was totaled and USAA knows this to be a true and  accurate statement. Where's the proof that I owe them for a totaled vehicle when I received the total loss letter and refused to fix the car with the Garage USAA had the Vehicle delivered at to be fixed! Account # XXXX Balance : {$10000.00} as of XX/XX/XXXX. \nUSAA is also reporting a Vehicle on my credit report in which I never received any notice of repro until they picked up the vehicle at our Daughters home in XXXX, FL. I live in XXXX FL 6 hours away and was on vacation in the XXXX when the vehicle was repro. I sent USAA several letters regarding this matter as well as the other XXXX XXXX ; this is for the XXXX XXXX XXXX. USAA still updated my Credit Report to show repro and charge off even after I informed this is not my Debt and I will not agree or pay any collection accounts especially when I was out of the country! Now USAA has tried to change the balance owed to $ XXXX which I do not agree with and informed XXXX  and other  Credit Agencies regarding these accounts with USAA. \nNote : In XXXX we were working with XXXX XXXX XXXX XXXX and informed USAA in which we've been Customers over 20 years! I was never late paying my debts before getting sicker and needing more medical treatments. I informed USAA of this but they had no compassion for me and just reported incomplete information. USAA never tried to work with me but against me ; especially during the XXXX XXXX accident which almost took my Spouse life. So account # XXXX XXXX XXXX XXXX with {$11000.00} is not correct and if USAA updated again to $ XXXX that means they never knew the correct balance and I'm not accepting any additional amount to be added to a collections account I never agreed with not got any notices for since I was overseas! When I did get a notice I answered right away and disputed any collections or any balance owed! \nThe USAA Credit Card in the amount of {$2300.00} on my Credit Report is not correct. We sent USAA a letter from us and XXXX XXXX XXXX stating our financial hardships and to negotigate with XXXX to pay off Credit Card! As far as I'm concerned this debt was paid by XXXX and if it was not paid ; I do not agree to any collections and the balance is {$0.00}. Remove Acct # XXXX reported XX/XX/XXXX balance : {$2300.00} not correct was under XXXX XXXX XXXX and should no longer be reported. Date opened XX/XX/XXXX and first reported XX/XX/XXXX and should be removed ( harrassment )!","date_sent_to_company":"2020-09-30T17:44:21.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Other debt","zip_code":"32536","tags":"Servicemember","has_narrative":true,"complaint_id":"3874552","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2020-09-30T16:38:26.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Seized or attempted to seize your property"},"highlight":{"complaint_what_happened":["So account # XXXX XXXX XXXX XXXX with {$11000.00} is not correct and if USAA updated again to $ XXXX that means they never <em>knew</em> the correct <em>balance</em> and I'm not accepting any additional amount to be added to a collections account I never <em>agreed</em> with not got any notices for since I was overseas! When I did get a notice I answered right away and <em>disputed</em> any collections or any <em>balance</em> owed! \nThe USAA Credit Card in the amount of {$2300.00} on my Credit Report is not correct."]},"sort":[12.184306,"3874552"]},{"_index":"complaint-public-v1","_id":"19691561","_score":11.897725,"_source":{"product":"Debt collection","complaint_what_happened":"REGARDING : Complaint # XXXX ( Supplemental to # XXXX ) I. Evidence of False Statements to a Federal Agency On XX/XX/year>, Fair Collections & O/ FCO responded to my initial complaint by asserting that the balance of {$3600.00} was accurate, the move-out was an \" eviction, '' and their photo evidence was correct. \n\nHowever, new evidence proves FCO knew these statements were false at the time of submission : The Admission : On XX/XX/year>, FCO sent a new \" Verification of Debt '' ( VOD ) showing a balance of {$2200.00}. \n\nThe Date of Adjustment : The internal ledger shows a \" credit for damages assessed '' was applied on XX/XX/XXXX, XXXX XXXX hours after they told the CFPB the original higher balance was correct. \n\nThe Violation : Under 15 U.S.C. 1681s-2 ( b ), FCO has a duty to provide accurate information. By reporting a balance to the CFPB on XX/XX/XXXX that they manually adjusted on XX/XX/XXXX, they have demonstrated that their \" investigation '' was a sham and their response to federal regulators was intentionally misleading. \n\nXXXX. Admission of Fraudulent Damage Claims The {$1300.00} adjustment applied on XX/XX/XXXX is a tacit admission that the \" damage '' charges I disputed ( supported by timestamped video evidence ) were indeed fraudulent. \n\nFCO originally used photos of car rims and landscaping to justify these charges. \n\nThe sudden removal of $ XXXX my submission of video proofproves FCO was in possession of fraudulent evidence and only corrected it when faced with federal oversight.\n\nLegal Leverage : A debt can not be validated under 15 U.S.C. 1692g using fabricated documentation. The \" poisoned '' nature of the original verification requires a total deletion of the trade line, not a retroactive \" adjustment. '' XXXX. Continued Misrepresentation of Legal Status I have provided the CFPB with the Agreed Entry from the Municipal Court of XXXX XXXX ( Case No. XXXX XXXX XXXX ) proving a mutual settlement and voluntary move-out. \n\nCategorizing a settled move-out as an \" eviction '' is a material falsehood intended to cause maximum damage to my creditworthiness. \n\nIV. Irreparable Financial Harm to a XXXX XXXX XXXXXXXX Veteran I am a XXXX XXXX XXXX veteran currently in the final stages of a VA mortgage approval. FCOs continued reporting of an admittedly inaccurate and fraudulent debt is preventing my home purchase. \n\nUnder 15 U.S.C. 1681n, FCO is liable for actual, statutory, and punitive damages for willful noncompliance. \n\nTheir decision to email my wife a new XXXX on XX/XX/XXXX while this supplemental complaint is pending ( # XXXX ) is an attempt to bypass the CFPB and force a settlement on a fraudulent account.","date_sent_to_company":"2026-02-22T17:26:37.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"30126","tags":"Servicemember","has_narrative":true,"complaint_id":"19691561","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FAIR COLLECTIONS & OUTSOURCING, INC.","date_received":"2026-02-22T17:13:30.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Evidence of False Statements to a Federal Agency On XX/XX/year>, Fair Collections & O/ FCO responded to my initial complaint by asserting that the <em>balance</em> of {$3600.00} was <em>accurate</em>, the move-out was an \" eviction, '' and their photo evidence was correct. \n\nHowever, new evidence proves FCO <em>knew</em> these statements were false at the time of submission : The Admission : On XX/XX/year>, FCO sent a new \" Verification of Debt '' ( VOD ) showing a <em>balance</em> of {$2200.00}."]},"sort":[11.897725,"19691561"]},{"_index":"complaint-public-v1","_id":"3501593","_score":11.641691,"_source":{"product":"Student loan","complaint_what_happened":"I was an XXXX  military XXXX between XXXX an XXXX. I was stationed and served my country in XXXX, XXXX. I completed my education at XXXX University, XXXX XXXX then raised XXXX children including XXXX XXXX XXXX adoptions. \nIn XXXX of XXXX I set up a payment plan with ECMC for ongoing automatic payment arrangement of {$500.00} per month ongoing on my student loan. At the time, I disputed the balance and did not agree that it was accurate but knew that I needed to make payments. I set up an automatic payment method. That payment was processed through ECMC ten times between XX/XX/XXXX and XX/XX/XXXX when ECMC stopped the automatic payments with no notice to me. In XX/XX/XXXX I telephone ECMC requesting information on why the payments had stopped and that I wanted to update my records. I was told there was no record to update as they had no record of my loan or a payment issue. \nIn the meantime, my family moved out of the state of XXXX to XXXX. In XXXX, I received notice through my employer in XXXX  that ECMC was garnishing my wages. ECMC knew where I was employed in XXXX yet had not tried to telephone me nor had I received a notice Prior To Wage Withholding. I disputed the garnishment immediately and believed that they were garnishing on an incorrect debt amount. I sent numerous letters requesting a hearing, disputing the garnishment, the rehabilitation and all the fees they had added onto the loan. ECMC denied my requests for a hearing and proceeded with the garnishment. \nI eventually learned that ECMC had rehabilitated my student loan without my consent. This is why ECMC stopped the ongoing payment arrangement and automatic payment I had made perfectly with them. We also learned that because I knew nothing of this new loan it was now in default and ECMC had added on new fees for that default, large fees for something I never authorized and after I was making perfect payments. What originated as a {$32000.00} XXXX Ive probably paid more than that already ) loan was then in XXXX {$190000.00}. \nI was told by ECMC there was nothing they could do to help me or about the fees. I searched everywhere I could trying to find some help and eventually found an Ombudsman from the Department of Education. With the help of the Ombudsman, ECMC agreed that some of the fees were not accurate. According to their accounting it should be {$140000.00}. This included fees in the amount of for the rehabilitation and new loan default I was completely unaware of and had not authorized. \nIn XXXX ECMC noted that my balance should have been {$89.00}, XXXX. See page 2 of letter dated XX/XX/XXXX from ECMC, paragraph 3. The economy crashed, I was not paid by my employer at that time and therefore could not make a large payment on my student loan at that time. I have a large family with XXXX kids. ECMC did not offer to me an alternative to reduce my payments at that time. I of course went into default. \nFour years later, in XXXX, ECMC said your loan was repurchased by XXXX XXXX for {$180000.00}. Even according to ECMCs accounting, that is a different of {$90000.00} in fees in five years time for a defaulted loan when I was making perfect payments. ECMC did drop the balance and fees down when reviewed by the Dept of Education Ombudsman to {$130000.00}. See page two of letter date XX/XX/XXXX, paragraph five. That means, after an adjustment during review by the Department of Education Ombudsman, ECMC charged me a fee of {$42000.00} for their error in selling my loan to XXXX XXXX without my consent. The Ombudsman from the Department of Education said he couldnt help with review of the rehab issue because ECMC said that they had my signature on file for a rehabilitation that authorized them to allow XXXX XXXX  to repurchase my loan even though I said that wasnt possible. \nI notified ECMC that I wanted the loan rehabilitation they completed without my consent to be honored since the one they did wasnt authorized. The request was left unanswered. I sent numerous requests to ECMCs legal team requesting a hearing to go over the disputed fees and my right for a loan rehabilitation. My requests for a hearing were denied and my last request received no response. \nOn XX/XX/XXXX I learned from my employer that ECMC had given them an Order Of Withholding dated XX/XX/XXXX for {$260000.00}. No validation notice or itemization on how ECMC arrived at this new balance was provided to me. This was the first I had heard from ECMC for quite some time though they had my place of employment and work number. I immediately disputed the garnishment and requested a hearing. Notice was sent by fax of my request for hearing and dispute of the balance. ECMC confirmed receipt of my dispute on XX/XX/XXXX. I spoke with them numerous times and continue to do so. My wages were garnished a few days later and are still being garnished. I have received no response to my request for a hearing on the garnishment and dispute sent to ECMC on XX/XX/XXXX and confirmed as received by ECMC on XX/XX/XXXX as of todays date, XX/XX/XXXX. \nSince I became aware of ECMCs intent to garnish in XX/XX/XXXX, I have spoken to their representatives numerous times about the fees charged for a loan rehabilitation, sale to XXXX XXXX  and default that I was not aware of at the time and did not authorize. I was told by ECMC these fees were added by the Department of Education and there was nothing they could do to reduce those fees. However, on XX/XX/XXXX when I spoke with the Department of Education I was told ECMC purchased the loan for $ XXXX XXXX dollars ( for $ XXXX loan debt ). There is a balance of {$0.00} with the Department of Education. I was also told by the Department of Education that all of the fees ECMC has said were coming from the Department of Education are actually coming from ECMC. \nI believe at the most my student loan balance should be is what it was prior to ECMCs error in rehabilitating my loan without my consent, selling it to XXXX XXXX  and charging fees for default on a loan I did not authorize and was unaware of at the time. Even according to ECMCs accounting from letter dated XX/XX/XXXX that would have been {$89.00}, XXXX, not the $ {$260000.00} they are garnishing for at this time. \nI believe ECMC has shown me unfair and deceptive debt collection practices by : Converting my payment arrangement to loan rehab without my consent. \nCharging exorbitant fees on default loan I did not authorize Stopped payment arrangement without my consent Refused right to hearing on balance and fees Moving forward w/ garnishment I requested hearing on, disputed balance and was not verified. \nFailing to provide itemization on how ECMC arrived at {$260000.00} Garnishment on {$260000.00} which was not validated & was highly disputed Misleading by saying fees added on loan were from Department of Education I was paying on this loan regularly and want to pay on this loan but would like to be treated fairly, have the ability to REHABILITATE this loan like ECMC did without my consent, come to agreement on a balance that is fair and stop garnishment immediately due to the fact that the balance garnished was not validated. I believe ECMC has treated me unfairly and shown deceptive collection practices. Ive voiced my concern with them and have been told my only option is to complete a loan consolidation for the full amount of {$260000.00} and dont know what to do. This situation has caused my family undue stress and hardship and is affecting my ability to continue supporting my daughter so that she can stay in college. I don't know what to do. I hope you can help me.","date_sent_to_company":"2020-01-19T06:26:41.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"91361","tags":"Servicemember","has_narrative":true,"complaint_id":"3501593","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ECMC GROUP, INC.","date_received":"2020-01-19T00:52:54.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Don't agree with the fees charged"},"highlight":{"complaint_what_happened":["At the time, I <em>disputed</em> the <em>balance</em> and did not <em>agree</em> that it was <em>accurate</em> but <em>knew</em> that I needed to make payments. I set up an automatic payment method. That payment was processed through ECMC ten times between XX/XX/XXXX and XX/XX/XXXX when ECMC stopped the automatic payments with no notice to me. In XX/XX/XXXX I telephone ECMC requesting information on why the payments had stopped and that I wanted to update my records."],"sub_issue":["Don't <em>agree</em> with the fees charged"]},"sort":[11.641691,"3501593"]},{"_index":"complaint-public-v1","_id":"4586839","_score":11.492333,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have disputed this account with this company with each of the 3 CRAs some of which I disputed more than once and except for one time the had the nerve to report as accurate each one that had results returned were updated proving that they were falsely reporting. The account closed date has changed about 4 or 5 times as has the last payment date and the amount which they took my money and did not subtract it from my balance as they even show on my last dispute they instead added XXXX $ to the balance which they legally can not do since the account is closed and some times its reported as in collection and some say profit loss written off but Ive never received one default letter then they came and took my car even though according to my bank account statement I was never 120 days behind but because each payment I did make for that month they only applied to the high interest rate payment they reported it late so Im not sure how they actually repossess my property after they wrote off the principal balance as a loss to their shareholders as one customer service agent told me on a recorded conversation about that. So they never sold the debt and they continue to say this is an attempt to collect a debt even though the Supreme Court ruled that this company cant refer to themselves as a debt collector to the consumer if they didnt purchase their debt from another source they cant refer themselves to me as debt collector because they acted as my lien holder and they only have the primary purpose of serving as a credit lender Im pretty sure that they need to sell my car in a reasonably time frame so they can inform me if I can buy my car back since the refused to give me my reinstatement fee for receiving my car back they also have never once sent a debt collector letter or one phone call.yet they report on my credit report sometimes yes and sometimes no that Im in collections but never once have I Gotten one letter or call and Im still waiting for the copy of my default letter from them, seriously why would I Have given them XXXX $ after I knew I was charged off! That money isnt even accounted for anywhere! This company just got sued in federal court in XXXX for exactly the same reason Im asking for your help with the have breached the order of consent that a federal court ordered for XXXX XXXX dollars just 8 months ago and they have no respect for the law and now they are just trying to ignore the very core of the law and think they can continue to break people which Im not the only person that feels this way but Im the one who will start the war because I have faith in the system that you will do the right thing to make them do what they are ordered to do they cant report my car as a loss then turn around and with no debt collector try to use it to make it an asset and hold me for the deficiency. Thats so wrong and on top of all of that the agreed with me that the copy of the bill of sale from the dealership that the give kickbacks to did not sign! \nThere is absolutely no signature anywhere on that paperwork from the seller so actually this loan is not even binding and I can prove it because when I brought it to the attention of the creditor they did agree there was no signature on their copy as well But they are gon na just use the previous one that was void due to my wanting to Change my service warranty and then we had a new final agreements which they failed to sign which makes the agreement not binding! So therefore a retail agreement can not be final on a vehicle buyer order that doesnt have both signatures the buyer and the seller which means the terms are not official and you cant draft an agreement with the lender unless the price is mutually agreed upon","date_sent_to_company":"2021-07-30T04:43:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"46112","tags":null,"has_narrative":true,"complaint_id":"4586839","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Santander Consumer USA Holdings Inc.","date_received":"2021-07-30T00:02:13.000Z","state":"IN","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I have <em>disputed</em> this account with this company with each of the 3 CRAs some of which I <em>disputed</em> more than once and except for one time the had the nerve to report as <em>accurate</em> each one that had results returned were updated proving that they were falsely reporting."]},"sort":[11.492333,"4586839"]},{"_index":"complaint-public-v1","_id":"2850376","_score":11.424506,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Wells Fargo ( the creditor ) failed to mail me billing statements. Because of this I notified them every month in writing and by phone that I had not received any of my billing statements. The creditor stated that they would be sending out the statements in the mail and that their system keeps having issues with not sending the billing statements. The creditor never sent me billing statements. Because of this I was unaware if I had a balance on my account. I was also unaware if I had a minimum payment due. I did not make any payments as I did not receive instructions on how to pay my bill.\n\nI NEVER SIGNED UP FOR ELECTRONIC STATEMENTS, I NEVER KNEW I HAD ELECTRONIC STATEMENT, I NEVER AGREED TO ELECTRONIC STATEMENTS. I DID NOT RECEIVE ANY EMAIL REGARDING ELECTRONIC STATEMENTS.\n\nThe creditor reported my account as late ( delinquent ) to all 3 major credit bureaus ( XXXX XXXX XXXX ). After a while, the creditor finally sent me a collections notice requesting immediate payment of a specific dollar amount without explaining what the amount was for. Because I did not want negative information on my credit report, I paid the amount that was requested of me. The creditor reported my account as charged off. The creditor violated several consumer protection laws by not reporting my account as current ( never late ) and closed. The creditor does not have tracking information showing that I received the billing statements they were required to send me.\n\nI DISAGREE WITH WELLS FARGO 's RESULTS. I REQUEST A REINVESTIGATION OF THIS DISPUTE. WELLS FARGO NEEDS TO ADDRESS EACH CONCERN IN DETAIL AND PROVIDE PROOF THAT THEIR RESULTS ARE ACCURATE. WELLS FARGO HAS NOT PROVIDED WITH PROOF THAT I SIGNED UP FOR ELECTRONIC BILLING STATEMENTS. ( I NEVER SIGNED UP ) WELLS FARGO NEEDS TO PROVIDE PROOF OF DELIVERY OF THE PAPER BILLING STATEMENTS.\n\nIf you find the disputed information referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter.","date_sent_to_company":"2018-03-21T21:20:05.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90255","tags":null,"has_narrative":true,"complaint_id":"2850376","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2018-03-21T21:05:08.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Because of this I was unaware if I had a <em>balance</em> on my account. I was also unaware if I had a minimum payment due. I did not make any payments as I did not receive instructions on how to pay my bill.\n\nI NEVER SIGNED UP FOR ELECTRONIC STATEMENTS, I NEVER <em>KNEW</em> I HAD ELECTRONIC STATEMENT, I NEVER <em>AGREED</em> TO ELECTRONIC STATEMENTS. I DID NOT RECEIVE ANY EMAIL REGARDING ELECTRONIC STATEMENTS.\n\nThe creditor reported my account as late ( delinquent ) to all 3 major credit bureaus ( XXXX XXXX XXXX )."]},"sort":[11.424506,"2850376"]},{"_index":"complaint-public-v1","_id":"3727908","_score":11.072924,"_source":{"product":"Debt collection","complaint_what_happened":"Monterey has now given me proof of there violations of both the fair credit reporting act as well as violations of the fair debt collecting practices and committed both deceitful and theft on me, the last time I reported them to you guys they spread all this XXXX that it accurate and we mailed things that were returned 1. A XXXX lie to protect there XXXX   that they ever sent me any notice to dispute the debt in any form, they stated that it came back with no forwarding address was a lie all my mail had been setup for change of address prior to them stating it was sent, I have informed delivery and I get pictures of all mail before it even comes to me as well as the change of the address I filed via the post office they automatically redirect all mail sent to me to the new address, they had redirected all my mail to my new address and highly doubt XXXX would be the only one not redirected and sent back multiple times as they say, 2. The paperwork they state had all my info the rep I spoke to even admitted when I said that the email address they had on file for me has never in my life been mine, so they purposely tried saying one email address on paperwork they say is all mine with information on it that was never mine, also I have the original paperwork I signed and the email on it is magically not the one they are saying on there paperwork is mine instead on my original paperwork its my actual email not some XXXX email they listed on it, 3. The rep I spoke to admitted after they deleted my original account they added fees upon fees to the account which adding fees upon fees on a deleted account to reopen it with a higher balance than the beginning and the last reported balance from the original creditor is considered an FTC violation because adding extra fees like collection fees and late fees on an account that isnt active on my report is a falsification if information and illegal charges, would had two witnesses in my car when the rep stated all this XXXX, and the last time I summited my complaint they stated I should contact them they were willing to do a balance adjust of {$1900.00} I told them I would pay it in monthly installments but only after I received a letter for proof they agreed to it and that they would remove it from my credit report, they had both my actual email address and current phone number and my P.O. Box but they instead of sending me anything to show the agreement of lower balance and monthly installments and agreement to remove it from my credit report they instead sent me nothing and started stealing money out of my bank account and reporting the non-agreed-upon balance to my credit report, and I had the same 2 eye witnesses in the car when agreed to everything and in return did nothing more than lie, deceive, and commit fraud and theft, and falsified the very thing we agreed upon that they told you they would offer me, and they continue to report a fraudulent balance as well as attempting to steal more money from me while in whole still sending me nothing that I asked for before any payments were ever taken/made which was the agreement, since they did that I reported them to XXXX credit bureau again with more evidence and this time XXXX agreed with me and they removed there account listing off of my credit report with them, upon that happening Monterey sent me an angry email stating that a credit bureau removed there account on me with them and that they didnt agree with it and they were still going to come after me for the money and even listed the higher non agreed upon balance on there email to retaliate against me for getting there XXXX account removed from that credit bureau, what Monterey doesnt even want to tell you is that the place I bought not leased a XXXX dog but bought a DOG, sold me the dog stating he was well and everything and he had been sold to me with kennel cough which not even having the dog a week I had to spend over XXXX XXXX in hospital bills on the dog or he would have died, all in which the people I bought him from refused to cover any of the expenses which I was told I can them for all of that extra expenses as well as the emotional and financial distress it caused me and that monetary wants to continue this distress especially during a worldwide epidemic of Covid-19 simply because they are heartless thieves seeking to show that there lies deceits and fraud and theft and harassment is all they care about, and the photos I will upload its kind of funny how the balances theyre reporting are all over the place and not at a certain spot so keep lying keep violating the law and violating the FTC and the fair debt collection practices and harassing me discriminating against me causing emotional and financial stress and burdens that I dont need right now during a worldwide epidemic, also I contacted the post office they told me with my change of address being in effect before you supposedly sent me something that they wouldnt have sent it back to you it wouldve been forwarded directly to my new address so they even told me what you said makes no sense they would not have sent it back to you they would have forwarded it to my new address not send it back to you, you are simply trying to lie and said you said something to me because you know its a violation of the fair credit reporting act in debt collection practices if you dont send a 30 day notice before starting anything its funny how you guys only started saying you said something after I started reporting you for not sending it and that I knew it was a violation of the FTC and the debt collecting practices laws.","date_sent_to_company":"2020-07-03T07:10:18.000Z","issue":"False statements or representation","sub_product":"Other debt","zip_code":"043XX","tags":null,"has_narrative":true,"complaint_id":"3727908","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Monterey Financial Services LLC","date_received":"2020-07-03T02:21:16.000Z","state":"ME","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Box but they instead of sending me anything to show the agreement of lower <em>balance</em> and monthly installments and agreement to remove it from my credit report they instead sent me nothing and started stealing money out of my bank account and reporting the non-<em>agreed</em>-upon <em>balance</em> to my credit report, and I had the same 2 eye witnesses in the car when <em>agreed</em> to everything and in return did nothing more than lie, deceive, and commit fraud and theft, and falsified the very thing we <em>agreed</em> upon that they"]},"sort":[11.072924,"3727908"]},{"_index":"complaint-public-v1","_id":"2318919","_score":11.067022,"_source":{"product":"Student loan","complaint_what_happened":"I borrowed {$11000.00} as an XXXX. XXXX and its successor Navient ( hereinafter '' Navient '' ) managed to convert that balance to in excess of {$60000.00} by forcing and directing me into making multiple requests for forebearance in order to maintain my loan in good standing, and avoid default, rather than correcting the account balance to enable a complete pay-off of an accurate account balance. The disputed loan balance began when Navient allowed for a consolidation that was in violation of Federal Regulations because there was a judgment obtained for the defaulted student loan that was consolidated. The loan was defaulted in violation of Federal Regulations inasmuch as I was never enrolled less than half time for more than six months as an XXXX. I received a letter from the legal department at The XXXX informing me that the loan was defaulted in error and that it would be removed from the default status. Unbeknownst to me, the loan was never removed from the default status. In addition, Navient fraudulently consolidated more than twice the amount stated on the Promissory Note when Navient illegally consolidated the defaulted loan that a judgment had been obtained for. When I brought this to Navient 's attention for correction, they ignored me and referred me to the U.S. Department of Education for correction. When I contacted the U.S. Department of Education, they referred me to Navient for correction. The U. S. Department of Education wrote to me informing me that Navient needed to correct the account balance. After discovering multiple class action lawsuits against Navient that were settled for in excess of XXXX, I communicated with Navient CEO XXXX XXXX ( reported annual salary of XXXX} for 2015 ) informing him of the gross mishandling of my student loan account. Shortly thereafter, Navient offered a settlement that agreed to remove the excess amount that was fraudulently consolidated and the interest the account accrued only for the amount that was over consolidated. Navient appears to have deliberately stonewalled me in refusing to correct the account balance long enough to balloon the student loan account for Navient 's grossly improper financial gain and then offer \" crumbs '' in a settlement offer that required Navient be released from all liability for their actions that deliberately inflated the loan balance for Navient 's financial gain. Steadfast in refusing to correct the loan balance, Navient allowed the student loan to default and sold the loan to the XXXX XXXX for collection of a loan Navient knew to be erroneous. Upon outlining Navient 's handling of my student loan account that violated multiple Federal Regulations and included a fraudulent consolidation, the XXXX ( \" XXXX '' ) had Navient repurchase the loan they sold to XXXX. I received a letter from the XXXX informing me that I had to work with Navient to correct my account balance. Navient removed the loan from the default status and sent me a letter misrepresenting that the forebearance I requested was approved. I NEVER requested any forebearance. Navient is clearly attempting to inflate the account balance further for its continued grossly improper financial gain. Navient does not return my e-mail communication seeking to correct the account balance as both the U.S. Department of Education and the XXXX XXXX informed me needed to be done. The account is past due and will be defaulted again and presumably sold in default to XXXX XXXX to repeat the process over again. There has not been any effort or communication from Navient to correct my account balance.","date_sent_to_company":"2017-01-31T02:54:19.000Z","issue":"Dealing with my lender or servicer","sub_product":"Federal student loan servicing","zip_code":"078XX","tags":null,"has_narrative":true,"complaint_id":"2318919","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2017-01-31T02:54:17.000Z","state":"NJ","company_public_response":null,"sub_issue":"Don't agree with fees charged"},"highlight":{"complaint_what_happened":["XXXX and its successor Navient ( hereinafter '' Navient '' ) managed to convert that <em>balance</em> to in excess of {$60000.00} by forcing and directing me into making multiple requests for forebearance in order to maintain my loan in good standing, and avoid default, rather than correcting the account <em>balance</em> to enable a complete pay-off of an <em>accurate</em> account <em>balance</em>."],"sub_issue":["Don't <em>agree</em> with fees charged"]},"sort":[11.067022,"2318919"]},{"_index":"complaint-public-v1","_id":"2742749","_score":10.670254,"_source":{"product":"Student loan","complaint_what_happened":"I borrowed {$11000.00} as an XXXX. XXXX and its successor Navient ( hereinafter '' Navient '' ) managed to convert that balance to in excess of {$60000.00} by forcing and directing me into making multiple requests for forebearance in order to maintain my loan in good standing, and avoid default, rather than correcting the account balance to enable a complete pay-off of an accurate account balance. The disputed loan balance began when Navient allowed for a consolidation that was in violation of Federal Regulations because there was a judgment obtained for the defaulted student loan that was consolidated. The loan was defaulted in violation of Federal Regulations inasmuch as I was never enrolled less than half time for more than XXXX months as an XXXX. I received a letter from the legal department at The Ohio XXXX XXXX XXXX informing me that the loan was defaulted in error and that it would be removed from the default status. Unbeknownst to me, the loan was never removed from the default status. In addition, Navient fraudulently consolidated more than twice the amount stated on the Promissory Note when Navient illegally consolidated the defaulted loan that a judgment had been obtained for. When I brought this to Navient 's attention for correction, they ignored me and referred me to the U.S. Department of Education for correction. When I contacted the U.S. Department of Education, they referred me to Navient for correction. The U. S. Department of Education wrote to me informing me that Navient needed to correct the account balance. After discovering multiple class action lawsuits against Navient that were settled for in excess of {$100.00} XXXX, I communicated with Navient XXXX XXXX XXXX ( reported annual salary of {>= $1,000,000} for 2015 ) informing him of the gross mishandling of my student loan account. Shortly thereafter, Navient offered a settlement that agreed to remove the excess amount that was fraudulently consolidated and the interest the account accrued only for the amount that was over consolidated. Navient appears to have deliberately stonewalled me in refusing to correct the account balance long enough to balloon the student loan account for Navient 's grossly improper financial gain and then offer a grossly deficient settlement offer that required Navient be released from all liability for their actions that deliberately inflated the loan balance for Navient 's financial gain. Steadfast in refusing to correct the loan balance, Navient allowed the student loan to default and sold the loan to the New Jersey XXXX XXXX XXXX XXXX for collection of a loan Navient knew to be erroneous. Upon outlining Navient 's handling of my student loan account that violated multiple Federal Regulations and included a fraudulent consolidation, the New Jersey XXXX XXXX XXXX XXXXXXXX ( \" XXXX '' XXXX had Navient repurchase the loan they sold to XXXX. I received a letter from the NJHEAA informing me that I had to work with Navient to correct my account balance. Navient removed the loan from the default status and sent me a letter misrepresenting that the forebearance I requested was approved. I NEVER requested any forebearance. Navient is clearly attempting to inflate the account balance further for its continued grossly improper financial gain. Navient does not return my e-mail communication seeking to correct the account balance as both the U.S. Department of Education and the NJ XXXX XXXX XXXX XXXXXXXX informed me needed to be done. The account is past due and will be defaulted again and presumably sold in default to NJ XXXX to repeat the process over again. There has not been any effort or communication from Navient to correct my account balance.","date_sent_to_company":"2017-12-01T06:45:20.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"078XX","tags":null,"has_narrative":true,"complaint_id":"2742749","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2017-12-01T01:28:03.000Z","state":"NJ","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["XXXX and its successor Navient ( hereinafter '' Navient '' ) managed to convert that <em>balance</em> to in excess of {$60000.00} by forcing and directing me into making multiple requests for forebearance in order to maintain my loan in good standing, and avoid default, rather than correcting the account <em>balance</em> to enable a complete pay-off of an <em>accurate</em> account <em>balance</em>."]},"sort":[10.670254,"2742749"]},{"_index":"complaint-public-v1","_id":"6708746","_score":10.603324,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I used to have an XXXX XXXX and I closed the account and had a payment arrangement to bring down my debt. The card was bought by XXXX XXXX,. I've made several online payments to XXXX XXXXXXXX since the switch. At the end of XX/XX/2023 I signed online to make a payment and all my information was missing. I called XXXX XXXXXXXX to say hey I can't make a payment something weird is happening and all my info is gone. I spoke to 4 people in an hour. I only spoke to that many people because XXXX XXXX could not tell me what was happening. They just kept saying your account is closed. I already knew that, they knew that, so why is my information missing? They again said the obvious which is that my account was closed. Finally after refusing to get off the phone until someone could form a coherent sentence and provide accurate information, the FOURTH PERSON told me my credit card was charged off. They never warned me, they never sent a notification, never called, emailed, sent mail, nothing. There was no indication on my online portal that there was an issue. In fact everytime I went to pay, it said my minimum balance was XXXX. I was paying under what I agreed on with XXXX because of massive medical debt, but if that ever happens with any other card they let you know it's a problem. XXXX XXXX didn't say jack and THEN when I disputed it I asked the process, they said 30 days. They said someone would call me. I said what if I can't answer will they leave a message? They said yes as long as you state your name in the voicemail. This was XX/XX/XXXX. No one called me. Ever. They said they did but I live in XXXX, I could have been on the train with no service. They told me they didn't even have to call me but they did. So they lied because the first time they said they'd call andconfirmed they'd leave a voice note. Then today I call to dispute the stupid letter they sent. The letter says they researched my dispute and their decision stands. Not once did they address how no one communicated with me and then my information was missing. I CAN NOT SOLVE A PROBLEM I DO NOT KNOW EXISTS. I told them my online account was weird too -- never said a balance was due even though of course it was. I can't prove that to you because they REMOVED MY INFORMATION. Then this XXXX lady today tells me that they sent me paper statements, and that's where the warning was. I asked why would there be a discrepancy between online and paper statements? she did not address the question. She said the warning was saying I had a balance. What she described is a normal statement. I said ok so you're telling me that you sent me communications that you absolutely did not send? She said telling me I have a balance is my warning. I said that's like us both being outside and it's sunny and you say it's raining. Not once did anyone at XXXX XXXXXXXX take responsibility for their XXXX business. Then when I say the actual info I did receive because I CALLED was nothing but incomplete, inconsistent, and inaccurate. She says, \" I can't speak for other people. '' Well someone better because each of this incompetent individuals in an exploitative system are setting people up purposely to fail and then saying it's my fault. no. it's not. I have responsibility yes but this is a two way street, I CAN NOT MAKE INFORMED DECISIONS WITHOUT ACTUAL INFORMATION. and the whole process to dispute this reflects the initial problem of zero communication. The definition of fraud is lying cheating stealing waste and abuse. XXXX  XXXX is fraudulent. The sad thing is payment isn't even an issue, I have XXXX left and can finish it off in my next paycheck. but this charge off that is THEIR FAULT is XXXX me and damaging my credit when I am literally doing everything I can to take care of it. they are not doing their jobs and a normal reasonable ethical thing to do would be like wow XXXX you're right we have no idea how to communicate, we don't train our staff properly, we take zero responsibility for our errors, and gee whiz looks like we don't actually communicate AT ALL. People like XXXX XXXX are getting away with ruining lives and XXXX XXXX won't reverse a life altering credit damage that is their fault, coming after someone drowning in medical debt. again that is even beside the point, THEY DID NOT DO THEIR JOB. I need this charge off reversed.","date_sent_to_company":"2023-03-16T18:44:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11215","tags":null,"has_narrative":true,"complaint_id":"6708746","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-03-16T18:44:43.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I already <em>knew</em> that, they <em>knew</em> that, so why is my information missing? They again said the obvious which is that my account was closed. Finally after refusing to get off the phone until someone could form a coherent sentence and provide <em>accurate</em> information, the FOURTH PERSON told me my credit card was charged off. They never warned me, they never sent a notification, never called, emailed, sent mail, nothing. There was no indication on my online portal that there was an issue."]},"sort":[10.603324,"6708746"]},{"_index":"complaint-public-v1","_id":"18027573","_score":10.601503,"_source":{"product":"Credit card","complaint_what_happened":"For starters CFPB STOP MARKING MY COMPLAINT AS A DUPLCATE! This is an ongoing issue of FCRA violations. I filed a dispute for two accounts ending in XXXX and XXXX which were not investigated and disputed properly. The creditor received payment in excess of the agreed upon amount every month they reported me as progressively late. XXXX being the latest FCRA violation hen I paid them {$100.00} which more than brought my account current and was 4x the agreed upon amount upon payment amount and they still continued reporting me as late. These are blatant violations of the FCRA and I want accountability for the breaking of federal acts of law. The incorrect reporting also makes the other reporting incorrect. Incorrect interest amounts charged, balance historys are incorrect, if they are saying that they didnt receive payment then these payments are not being applied to my balances making all of their reporting inaccurately since I entered the hardship program, was discriminated against, investigations were not conducted properly or the youre gave the correct reporting. Changing my reporting to the correct reporting after three months of false reporting is not going to resolve this issue. I am tired of credit card companies being allowed to report whatever they want with no repercussions when their actions cause me to have unwanted and unnecessary stress and XXXX  which is a XXXX of mine and the constant struggle to get capital one to follow the law and report correctly takes time out of my day to monitor my credit reports and time to file disputes, which are damages from your companies inaccurate reporting and an accurate investigation and the dispute process was not conducted properly or you would have been reporting correctly. Both of my accounts need to be corrected back to no payments missed ever for this to be resolved. Which is the correct reporting for both of my accounts. I filed a discrimination complaint for not being offered the same hardship programs as other customers of different race, age, and disability status and was not offered the same 12 month program offered to other customers. I am a member of several protected classes. Capitalone would not allow me entrance into their 12 month hardship program that they offer to other customers, they wanted me to close my accounts, and would only offer me hardship programs that either closed my account or made my minimum payment 3x greater than the minimum payment allowed to be charged by law. They wouldnt grant entrance to a reduced interest rate program for 12 months that kept my card open but would grant me entrance into a 60 month hardship program that closes my account. Capitalone wouldnt give me access to a 11 year program but was willing to allow me into a 5 year program because it closes my card. I filed a discrimination complaint with capital one and they said no discrimination occurred, Capitalone conducting an internal discrimination investigation on their own behalf is a conflict of interest and of course they found that no discrimination occurred. Why was I not allowed entrance into the 12 month hardship program? Why was I allowed to enter a 5 year program but not the 12 month program offered to other customers? I asked for months being instructed to call back daily to ask the same questions when capital one knew they were not going to grant me entrance into the program I requested that is offered to other Capitalone customers, but apparently just not me. I asked for the 12 month program that would allow me to keep my cards open but Capitalone wanted accounts closed and took advantage of my financial hardships to get the outcome desired. Now remember why I closed my Capitalone card years ago. I wish I never would have done business with this company. Its not right that these credit card companies get to report whatever they want damaging Americans credit and effecting their lives in a negative manner with no accountability, and no repercussions, unless you have the money to hire an attorney to get accountability. The newest violation by CapitalOne took place in XXXX when Capitalone was paid {$100.00} on both accounts ending in XXXX, and XXXX and I was reported as 90 days past due and 60 days past due in XX/XX/year>, when they received {$30.00} and in XX/XX/year> they also received {$30.00} when the agreed upon payment amounts were {$28.00} & {$29.00} a month. I have never not made at least my minimum payment every month since this account was opened, and all payments have been made as agreed upon.","date_sent_to_company":"2025-12-14T16:36:49.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"95678","tags":null,"has_narrative":true,"complaint_id":"18027573","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-12-14T15:39:21.000Z","state":"CA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I filed a <em>dispute</em> for two accounts ending in XXXX and XXXX which were not investigated and <em>disputed</em> properly. The creditor received payment in excess of the <em>agreed</em> upon amount every month they reported me as progressively late. XXXX being the latest FCRA violation hen I paid them {$100.00} which more than brought my account current and was 4x the <em>agreed</em> upon amount upon payment amount and they still continued reporting me as late."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[10.601503,"18027573"]},{"_index":"complaint-public-v1","_id":"6708559","_score":10.587562,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I used to have an XXXX XXXX and I closed the account and had a payment arrangement to bring down my debt. The card was bought by Capital one,. I've made several online payments to capital one since the switch. At the end of XX/XX/2023 I signed online to make a payment and all my information was missing. I called capital one to say hey I can't make a payment something weird is happening and all my info is gone. I spoke to 4 people in an hour. I only spoke to that many people because 3 XXXX could not tell me what was happening. They just kept saying your account is closed. I already knew that, they knew that, so why is my information missing? They again said the obvious which is that my account was closed. Finally after refusing to get off the phone until someone could form a coherent sentence and provide accurate information, the FOURTH PERSON told me my credit card was charged off. They never warned me, they never sent a notification, never called, emailed, sent mail, nothing. There was no indication on my online portal that there was an issue. In fact everytime I went to pay, it said my minimum balance was XXXX. I was paying under what I agreed on with XXXX because of massive medical debt, but if that ever happens with any other card they let you know it's a problem. Capital one didn't say XXXX and THEN when I disputed it I asked the process, they said 30 days. They said someone would call me. I said what if I can't answer will they leave a message? They said yes as long as you state your name in the voicemail. This was XX/XX/XXXX. No one called me. Ever. They said they did but I live in XXXX, I could have been on the train with no service. They told me they didn't even have to call me but they did. So they lied because the first time they said they'd call andconfirmed they'd leave a voice note. Then today I call to dispute the stupid letter they sent. The letter says they researched my dispute and their decision stands. Not once did they address how no one communicated with me and then my information was missing. I CAN NOT SOLVE A PROBLEM I DO NOT KNOW EXISTS. I told them my online account was weird too -- never said a balance was due even though of course it was. I can't prove that to you because they REMOVED MY INFORMATION. Then this XXXX lady today tells me that they sent me paper statements, and that's where the warning was. I asked why would there be a discrepancy between online and paper statements? she did not address the question. She said the warning was saying I had a balance. What she described is a normal statement. I said ok so you're telling me that you sent me communications that you absolutely did not send? She said telling me I have a balance is my warning. I said that's like us both being outside and it's sunny and you say it's raining. Not once did anyone at capital one take responsibility for their XXXX business. Then when I say the actual info I did receive because I CALLED was nothing but incomplete, inconsistent, and inaccurate. She says, \" I can't speak for other people. '' Well someone better because each of this incompetent individuals in an exploitative system are setting people up purposely to fail and then saying it's my fault. no. it's not. I have responsibility yes but this is a two way street, I CAN NOT MAKE INFORMED DECISIONS WITHOUT ACTUAL INFORMATION. and the whole process to dispute this reflects the initial problem of XXXX communication. The definition of fraud is lying cheating stealing waste and abuse. Capital one is fraudulent. The sad thing is payment isn't even an issue, I have XXXX left and can finish it off in my next paycheck. but this charge off that is THEIR FAULT is screwing me and damaging my credit when I am literally doing everything I can to take care of it. they are not doing their jobs and a normal reasonable ethical thing to do would be like wow XXXX you're right we have no idea how to communicate, we don't train our staff properly, we take XXXX responsibility for our errors, and gee whiz looks like we don't actually communicate AT ALL. People like XXXX XXXX are getting away with ruining lives and capital one won't reverse a life altering credit damage that is their fault, coming after someone drowning in medical debt. again that is even beside the point, THEY DID NOT DO THEIR JOB. I need this charge off reversed.","date_sent_to_company":"2023-03-16T18:44:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11215","tags":null,"has_narrative":true,"complaint_id":"6708559","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-03-16T18:19:31.000Z","state":"NY","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I already <em>knew</em> that, they <em>knew</em> that, so why is my information missing? They again said the obvious which is that my account was closed. Finally after refusing to get off the phone until someone could form a coherent sentence and provide <em>accurate</em> information, the FOURTH PERSON told me my credit card was charged off. They never warned me, they never sent a notification, never called, emailed, sent mail, nothing. There was no indication on my online portal that there was an issue."]},"sort":[10.587562,"6708559"]},{"_index":"complaint-public-v1","_id":"7792470","_score":10.130371,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX, my wife and I took out a second Mortgage on our home from XXXX XXXX XXXX XXXX in the amount of {$15000.00} ( account # XXXX ) as we were having financial difficulty due to COVID-19. My wifes XXXX  son who is a XXXX  lost his job due to the closing of the company he was working for d/t the government lockdown due to COVIG. We was helping him pay his bills as things got overwhelmingly financially difficult. Subsequently, we got behind on our loan with XXXX XXXX. We even had to let our one of our vehicles go because the loan company was not willing to work with us financially. I told them that they could take the vehicle as I was unable to pay while helping my son in addition to my bills. We were dealing a lot with my son, taking care of him as his RN was not able to go to his home to take care of him due to the virus. My wife and I had to go over to his home daily to take care of him as his wife got the virus. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had it twice and my wife it 4 times. It was just a difficult time. \nIn the meantime, XXXX XXXX took us to court, but we could not go due to a family emergency. I then received papers in the mail from XXXX XXXX that they were starting foreclosure proceedings. We called XXXX XXXX from XXXX XXXX. My wife and I spoke with her over a speaker phone, and we all were talking about a payment arrangement because I did NOT want to lose my home of 14 years. She verbally said she would knock off the interest and the late fees. Prior to that in XXXX, I spoke to a female representative in the collection Dept, I believe her name was XXXX. She said that she was willing to take off of the interest and late fees back in XXXX. On that call on XX/XX/XXXX, to XXXX XXXX, we re-entered a payment agreement with XXXX XXXX during that phone call stating that we would make a {$1000.00} payment that day in cash which we did and $ XXXX thereafter. \nWe started making payments on XX/XX/XXXX, of {$1000.00} in cash to XXXX XXXX XXXX XXXX. The bank teller gave me a receipt with the beginning balance ( {$15000.00} ) and the ending balance ( {$14000.00} ). The second payment was {$500.00} in cash and they gave me a receipt with a beginning balance of ( {$14000.00} ) and an ending balance of ( {$14000.00} ), but they told me that day that they would not accept cash from me anymore. I told the bank clerk that I have been making payments in cash and she responded to me that they were instructed by their boss to no longer take cash payments from me. The third payment I took in a check, and I asked for a receipt printed with the balance on it and she said she was instructed by her boss to NOT give me any printed receipts with balances or payoff balances. That sounded crazy to me like they were up to something NOT RIGHT, something fishy like hiding things. Thats what you do when you go to a store, you pay for something, and you get a receipt with the current balance to the ending balance. We need this for our records. The fourth payment, I took in I took a check in and they were not going to give me a printed receipt, so they gave me a hand written receipt with no balances on it. I sent the next payment through my XXXX XXXX XXXX XXXX  Account through my Bill Payment system so I could at least have a printed receipt from my bank. They refused the payment and sent it back to me. They said I had to send in a personal check only and that is only what they will accept. \nWe knew something was wrong with how they were being sneaky about everything. First, they dont accept cash, but they did at the beginning with a beginning and ending balances on the first 2 receipts ( I have attached all receipts ). Then they refused Bill Pay payments from my bank, they sent it back to me. Now they will only take a personal check and give me a handwritten receipt with NO beginning and ending balances. We have continued to pay as agreed $ XXXX and have all of the cleared checks, but no balances. I have calculated that we owe {$8500.00} left on the loan. \nThen, we checked our credit reports with all XXXX major reporting bureaus ( XXXX, XXXX XXXX TransUnion ). Each report had different amounts owed, high balance, date opened, Balance owed, Closed date, Dispute status, Last payment, payment amounts and term length. I am attaching both mine and my wifes XXXX credit reports from XXXX XXXX which shows all 3 credit bureaus alongside each other and how they are reporting. There are so many errors, inconsistencies and inaccurate data. This is a violation of the FCRA 15 U.S.C. 1861 ( a ) ( 1 ) ( A ) ; Section 611 ( a ) plainly states that a failure to investigate these items that are inaccurate on a credit report within 30 days should be deleted promptly.\n\nWe sent disputes to all 3 credit bureaus, and they did NOTHING. They said it was accurate the same day we put the dispute in. Then we present the disputes to all 3 credit bureaus with proof of all the inconsistencies and receipts with all the payments documented, letters from XXXX that we entered back into repayment and a letter from the courts dismissing the foreclosure. They still did not do anything. We have proof and have sent all the documents again to all XXXX credit bureaus. They said they did a re-investigation, but they did not. Because the day we sent in the disputes they sent back the results of the re-investigation on the same day. There is no way they completed an investigation, much less a re-investigation. They are breaking the law and violating my wifes and my legal rights. \n\nThen my wife ended up getting Legal Aid because she is XXXX and has a low income. The attorney that we are working with at Legal Aid is from XXXX Ohio and he sent a letter to XXXX XXXX requesting an itemized statement of account for our second mortgage loan. They provided their copy of the itemized loan, but it had the interest listed on it that XXXX XXXX verbally entered into an agreement with us to remove the interest and late fees. They sent him something totally different than what they sent us. \nXXXX XXXX XXXX is violating our rights under the FCRA 15 U.S.C. 1681 ( a ) ( 1 ) ( A ) which states they are required to delete this inaccurate information on our credit reports, and it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from our credit report. The balance and payments are reporting inaccurate and erroneous still. We previously disputed this account on 7-10 occasions with documentation of all our payments and receipts attached. We entered into a repayment agreement on XX/XX/XXXX, and XXXX XXXX agreed to dismiss the foreclosure. I restarted the repayment plan to XXXX XXXX as agreed on XX/XX/XXXX, and paid the agreed upon amount of {$1000.00} with a beginning balance documented on the receipt ( enclosed ) as {$15000.00} by XXXX XXXX XXXX. After the first {$1000.00} payment, the ending balance was documented as {$14000.00}. On XX/XX/XXXX, the beginning balance was {$14000.00} and I made a payment of {$500.00} with the ending balance documented on the receipt as {$14.00}, XXXX ( enclosed ). The subsequent {$500.00} monthly payments were made, and I have previously uploaded all payment receipts to the credit bureaus dispute sites. The ACCURATE balance due currently is {$8500.00}. XXXX XXXX XXXX has our balance as {$13000.00} which is inaccurate. Another erroneous reporting is in the payment history is XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 60 days late ), XX/XX/XXXX ( 90 days late ), XX/XX/XXXX ( 120 days late ) and XX/XX/XXXX ( 120 days late ). There is NO WAY that this account can be 120 days late 2 months in a row. It shows 120 days late in both XXXX and XX/XX/XXXX. This account is listed on my credit report as a Collection/Charge off in addition to a Profit & Loss write-off. It is NOT a charge off or a Profit & Loss Write-off as we have documentation that we are enclosing that we have re-entered a payment agreement as of XX/XX/XXXX, and monthly thereafter. All receipts are enclosed. This is just another error that is not being addressed by XXXX XXXX XXXX XXXX \nXXXX XXXX continues to report inaccurate balances and payments. They are violating the FCRA, specifically 15 U.S.C. 1681 Section 611 ( a ) which states that a failure to investigate disputed items within 30 days gives reason to immediately remove those items from my credit report. We have disputed multiple times and requested reinvestigations with all three major credit bureaus. This is negatively affecting our credit score and causing us mental, psychological & emotional distress. In addition, these errors are costing us money at higher rates. We have attempted to get several home equity loans and lines of credit to pursue housing and were denied because of the illegal reporting of negative errors on our credit reports. My wife has not been able to obtain housing because of this. It is affecting my wifes ability to obtain housing assistance through her low income and XXXX rating. This is illegal and they are breaking the law. Since they have all refused to investigate and re-investigate our disputes and update our credit reports to show 100 % accuracy, I am filing this complaint with the CFPB to assist us in having XXXX XXXX XXXX XXXX account removed from all three of our credit bureau reports. We have {$150000.00} in equity on our home and have attempted to refinance for fixing the home for sale and paying off XXXX XXXX ; however, since they are reporting inaccurately, we are unable to obtain financing for HOUSING due to the errors XXXX XXXX XXXX continues to report to all 3 major credit reports.","date_sent_to_company":"2023-11-02T07:46:17.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"44484","tags":"Servicemember","has_narrative":true,"complaint_id":"7792470","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-11-02T07:46:12.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The <em>balance</em> and payments are reporting inaccurate and erroneous still. We previously <em>disputed</em> this account on 7-10 occasions with documentation of all our payments and receipts attached. We entered into a repayment agreement on XX/XX/XXXX, and XXXX XXXX <em>agreed</em> to dismiss the foreclosure."]},"sort":[10.130371,"7792470"]},{"_index":"complaint-public-v1","_id":"7792407","_score":10.130371,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX, my wife and I took out a second Mortgage on our home from XXXX XXXX XXXX XXXX in the amount of {$15000.00} ( account # XXXX ) as we were having financial difficulty due to XXXX. My wifes XXXX  son who is a XXXX  lost his job due to the closing of the company he was working for d/t the government lockdown due to COVIG. We was helping him pay his bills as things got overwhelmingly financially difficult. Subsequently, we got behind on our loan with XXXX XXXX. We even had to let our one of our vehicles go because the loan company was not willing to work with us financially. I told them that they could take the vehicle as I was unable to pay while helping my son in addition to my bills. We were dealing a lot with my son, taking care of him as his XXXX  was not able to go to his home to take care of him due to the virus. My wife and I had to go over to his home daily to take care of him aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I had it twice and my wife it 4 times. It was just a difficult time. \nIn the meantime, XXXX XXXX took us to court, but we could not go due to a family emergency. I then received papers in the mail from XXXX XXXX that they were starting foreclosure proceedings. We called XXXX XXXX from XXXX XXXX. My wife and I spoke with her over a speaker phone, and we all were talking about a payment arrangement because I did NOT want to lose my home of 14 years. She verbally said she would knock off the interest and the late fees. Prior to that in XXXX, I spoke to a female representative in the collection Dept, I believe her name was XXXX. She said that she was willing to take off of the interest and late fees back in XXXX. On that call on XX/XX/XXXX, to XXXX XXXX, we re-entered a payment agreement with XXXX XXXX during that phone call stating that we would make a {$1000.00} payment that day in cash which we did and $ XXXX thereafter. \nWe started making payments on XX/XX/XXXX, of {$1000.00} in cash to XXXX XXXX XXXX XXXX. The bank teller gave me a receipt with the beginning balance ( {$15000.00} ) and the ending balance ( {$14000.00} ). The second payment was {$500.00} in cash and they gave me a receipt with a beginning balance of ( {$14000.00} ) and an ending balance of ( {$14000.00} ), but they told me that day that they would not accept cash from me anymore. I told the bank clerk that I have been making payments in cash and she responded to me that they were instructed by their boss to no longer take cash payments from me. The third payment I took in a check, and I asked for a receipt printed with the balance on it and she said she was instructed by her boss to NOT give me any printed receipts with balances or payoff balances. That sounded crazy to me like they were up to something NOT RIGHT, something fishy like hiding things. Thats what you do when you go to a store, you pay for something, and you get a receipt with the current balance to the ending balance. We need this for our records. The fourth payment, I took in I took a check in and they were not going to give me a printed receipt, so they gave me a hand written receipt with no balances on it. I sent the next payment through my XXXX XXXX XXXX Bank Account through my Bill Payment system so I could at least have a printed receipt from my bank. They refused the payment and sent it back to me. They said I had to send in a personal check only and that is only what they will accept. \nWe knew something was wrong with how they were being sneaky about everything. First, they dont accept cash, but they did at the beginning with a beginning and ending balances on the first XXXX receipts ( I have attached all receipts ). Then they refused XXXX XXXX payments from my bank, they sent it back to me. Now they will only take a personal check and give me a handwritten receipt with NO beginning and ending balances. We have continued to pay as agreed $ XXXX and have all of the cleared checks, but no balances. I have calculated that we owe {$8500.00} left on the loan. \nThen, we checked our credit reports with all XXXX major reporting bureaus ( XXXX, Experian XXXX XXXX ). Each report had different amounts owed, high balance, date opened, Balance owed, Closed date, Dispute status, Last payment, payment amounts and term length. I am attaching both mine and my wifes XXXX credit reports from XXXX XXXX which shows all 3 credit bureaus alongside each other and how they are reporting. There are so many errors, inconsistencies and inaccurate data. This is a violation of the FCRA 15 U.S.C. 1861 ( a ) ( 1 ) ( A ) ; Section 611 ( a ) plainly states that a failure to investigate these items that are inaccurate on a credit report within 30 days should be deleted promptly. \nWe sent disputes to all XXXX credit bureaus, and they did NOTHING. They said it was accurate the same day we put the dispute in. Then we present the disputes to all 3 credit bureaus with proof of all the inconsistencies and receipts with all the payments documented, letters from XXXX that we entered back into repayment and a letter from the courts dismissing the foreclosure. They still did not do anything. We have proof and have sent all the documents again to all XXXX credit bureaus. They said they did a re-investigation, but they did not. Because the day we sent in the disputes they sent back the results of the re-investigation on the same day. There is no way they completed an investigation, much less a re-investigation. They are breaking the law and violating my wifes and my legal rights. \n\nThen my wife ended up getting Legal Aid because she is XXXX and has a low income. The attorney that we are working with at Legal Aid is from XXXX Ohio and he sent a letter to XXXX XXXX requesting an itemized statement of account for our second mortgage loan. They provided their copy of the itemized loan, but it had the interest listed on it that XXXX XXXX verbally entered into an agreement with us to remove the interest and late fees. They sent him something totally different than what they sent us. \nXXXX XXXX XXXX is violating our rights under the FCRA 15 U.S.C. 1681 ( a ) ( 1 ) ( A ) which states they are required to delete this inaccurate information on our credit reports, and it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from our credit report. The balance and payments are reporting inaccurate and erroneous still. \nWe previously disputed this account on 7-10 occasions with documentation of all our payments and receipts attached. We entered into a repayment agreement on XX/XX/XXXX, and XXXX XXXX agreed to dismiss the foreclosure. I restarted the repayment plan to XXXX XXXX as agreed on XX/XX/XXXX, and paid the agreed upon amount of {$1000.00} with a beginning balance documented on the receipt ( enclosed ) as {$15000.00} by XXXX XXXX XXXX. After the first {$1000.00} payment, the ending balance was documented as {$14000.00}. On XX/XX/XXXX, the beginning balance was {$14000.00} and I made a payment of {$500.00} with the ending balance documented on the receipt as {$14.00}, XXXX ( enclosed ). The subsequent {$500.00} monthly payments were made, and I have previously uploaded all payment receipts to the credit bureaus dispute sites. The ACCURATE balance due currently is {$8500.00}. XXXX XXXX XXXX has our balance as {$13000.00} which is inaccurate. Another erroneous reporting is in the payment history is XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 60 days late ), XX/XX/XXXX ( 90 days late ), XX/XX/XXXX ( 120 days late ) and XX/XX/XXXX ( 120 days late ). There is NO WAY that this account can be 120 days late 2 months in a row. It shows 120 days late in both XXXX and XX/XX/XXXX. This account is listed on my credit report as a Collection/Charge off in addition to a Profit & Loss write-off. It is NOT a charge off or a Profit & Loss Write-off as we have documentation that we are enclosing that we have re-entered a payment agreement as of XX/XX/XXXX, and monthly thereafter. All receipts are enclosed. This is just another error that is not being addressed by XXXX XXXX XXXX XXXX \nXXXX XXXX continues to report inaccurate balances and payments. They are violating the FCRA, specifically 15 U.S.C. 1681 Section 611 ( a ) which states that a failure to investigate disputed items within 30 days gives reason to immediately remove those items from my credit report. We have disputed multiple times and requested reinvestigations with all three major credit bureaus. This is negatively affecting our credit score and causing us mental, psychological & emotional distress. In addition, these errors are costing us money at higher rates. We have attempted to get several home equity loans and lines of credit to pursue housing and were denied because of the illegal reporting of negative errors on our credit reports. My wife has not been able to obtain housing because of this. It is affecting my wifes ability to obtain housing assistance through her low income and XXXX rating. This is illegal and they are breaking the law. Since they have all refused to investigate and re-investigate our disputes and update our credit reports to show 100 % accuracy, I am filing this complaint with the CFPB to assist us in having XXXX XXXX XXXX XXXX account removed from all three of our credit bureau reports. We have {$150000.00} in equity on our home and have attempted to refinance for fixing the home for sale and paying off XXXX XXXX ; however, since they are reporting inaccurately, we are unable to obtain financing for HOUSING due to the errors XXXX XXXX XXXX XXXX XXXX report to all 3 major credit reports.","date_sent_to_company":"2023-11-02T07:46:17.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"44484","tags":"Servicemember","has_narrative":true,"complaint_id":"7792407","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-11-02T07:46:12.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The <em>balance</em> and payments are reporting inaccurate and erroneous still. \nWe previously <em>disputed</em> this account on 7-10 occasions with documentation of all our payments and receipts attached. We entered into a repayment agreement on XX/XX/XXXX, and XXXX XXXX <em>agreed</em> to dismiss the foreclosure."]},"sort":[10.130371,"7792407"]},{"_index":"complaint-public-v1","_id":"7792517","_score":10.125358,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX, my wife and I took out a second Mortgage on our home from XXXX XXXX XXXX XXXX in the amount of {$15000.00} ( account # XXXX ) as we were having financial difficulty due to XXXX. My wifes XXXX  son who is a XXXX  lost his job due to the closing of the company he was working for d/t the government lockdown due to COVIG. We was helping him pay his bills as things got overwhelmingly financially difficult. Subsequently, we got behind on our loan with XXXX XXXX. We even had to let our one of our vehicles go because the loan company was not willing to work with us financially. I told them that they could take the vehicle as I was unable to pay while helping my son in addition to my bills. We were dealing a lot with my son, taking care of him as his XXXX  was not able to go to his home to take care of him due to the virus. My wife and I had to go over to his home daily to take care of him XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It was just a difficult time. \nIn the meantime, XXXX XXXX took us to court, but we could not go due to a family emergency. I then received papers in the mail from XXXX XXXX that they were starting foreclosure proceedings. We called XXXX XXXX from XXXX XXXX. My wife and I spoke with her over a speaker phone, and we all were talking about a payment arrangement because I did NOT want to lose my home of 14 years. She verbally said she would knock off the interest and the late fees. Prior to that in XXXX, I spoke to a female representative in the collection Dept, I believe her name was XXXX. She said that she was willing to take off of the interest and late fees back in XXXX. On that call on XX/XX/XXXX, to XXXX XXXX, we re-entered a payment agreement with XXXX XXXX during that phone call stating that we would make a {$1000.00} payment that day in cash which we did and $ XXXX thereafter. \nWe started making payments on XX/XX/XXXX, of {$1000.00} in cash to XXXX XXXX XXXX XXXX. The bank teller gave me a receipt with the beginning balance ( {$15000.00} ) and the ending balance ( {$14000.00} ). The second payment was {$500.00} in cash and they gave me a receipt with a beginning balance of ( {$14000.00} ) and an ending balance of ( {$14000.00} ), but they told me that day that they would not accept cash from me anymore. I told the bank clerk that I have been making payments in cash and she responded to me that they were instructed by their boss to no longer take cash payments from me. The third payment I took in a check, and I asked for a receipt printed with the balance on it and she said she was instructed by her boss to NOT give me any printed receipts with balances or payoff balances. That sounded crazy to me like they were up to something NOT RIGHT, something fishy like hiding things. Thats what you do when you go to a store, you pay for something, and you get a receipt with the current balance to the ending balance. We need this for our records. The fourth payment, I took in I took a check in and they were not going to give me a printed receipt, so they gave me a hand written receipt with no balances on it. I sent the next payment through my XXXX XXXX XXXX Bank Account through my Bill Payment system so I could at least have a printed receipt from my bank. They refused the payment and sent it back to me. They said I had to send in a personal check only and that is only what they will accept. \nWe knew something was wrong with how they were being sneaky about everything. First, they dont accept cash, but they did at the beginning with a beginning and ending balances on the first 2 receipts ( I have attached all receipts ). Then they refused Bill Pay payments from my bank, they sent it back to me. Now they will only take a personal check and give me a handwritten receipt with NO beginning and ending balances. We have continued to pay as agreed $ XXXX and have all of the cleared checks, but no balances. I have calculated that we owe {$8500.00} left on the loan. \nThen, we checked our credit reports with all 3 major reporting bureaus ( Equifax, XXXX XXXX XXXX ). Each report had different amounts owed, high balance, date opened, Balance owed, Closed date, Dispute status, Last payment, payment amounts and term length. I am attaching both mine and my wifes XXXX credit reports from XXXX XXXX which shows all 3 credit bureaus alongside each other and how they are reporting. There are so many errors, inconsistencies and inaccurate data. This is a violation of the FCRA 15 U.S.C. 1861 ( a ) ( 1 ) ( A ) ; Section 611 ( a ) plainly states that a failure to investigate these items that are inaccurate on a credit report within 30 days should be deleted promptly.\n\nWe sent disputes to all 3 credit bureaus, and they did NOTHING. They said it was accurate the same day we put the dispute in. Then we present the disputes to all 3 credit bureaus with proof of all the inconsistencies and receipts with all the payments documented, letters from SSCU that we entered back into repayment and a letter from the courts dismissing the foreclosure. They still did not do anything. We have proof and have sent all the documents again to all 3 credit bureaus. They said they did a re-investigation, but they did not. Because the day we sent in the disputes they sent back the results of the re-investigation on the same day. There is no way they completed an investigation, much less a re-investigation. They are breaking the law and violating my wifes and my legal rights.\n\nThen my wife ended up getting Legal Aid because she is XXXX and has a low income. The attorney that we are working with at Legal Aid is from XXXX Ohio and he sent a letter to XXXX XXXX requesting an itemized statement of account for our second mortgage loan. They provided their copy of the itemized loan, but it had the interest listed on it that XXXX XXXX verbally entered into an agreement with us to remove the interest and late fees. They sent him something totally different than what they sent us. \nXXXX XXXX XXXX is violating our rights under the FCRA 15 U.S.C. 1681 ( a ) ( 1 ) ( A ) which states they are required to delete this inaccurate information on our credit reports, and it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from our credit report. The balance and payments are reporting inaccurate and erroneous still.\n\nWe previously disputed this account on 7-10 occasions with documentation of all our payments and receipts attached. We entered into a repayment agreement on XX/XX/XXXX, and XXXX XXXX agreed to dismiss the foreclosure. I restarted the repayment plan to XXXX XXXX as agreed on XX/XX/XXXX, and paid the agreed upon amount of {$1000.00} with a beginning balance documented on the receipt ( enclosed ) as {$15000.00} by XXXX XXXX XXXX. After the first {$1000.00} payment, the ending balance was documented as {$14000.00}. On XX/XX/XXXX, the beginning balance was {$14000.00} and I made a payment of {$500.00} with the ending balance documented on the receipt as {$14.00}, XXXX ( enclosed ). The subsequent {$500.00} monthly payments were made, and I have previously uploaded all payment receipts to the credit bureaus dispute sites. The ACCURATE balance due currently is {$8500.00}. XXXX XXXX XXXX has our balance as {$13000.00} which is inaccurate. Another erroneous reporting is in the payment history is XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 60 days late ), XX/XX/XXXX ( 90 days late ), XX/XX/XXXX ( 120 days late ) and XX/XX/XXXX ( 120 days late ). There is NO WAY that this account can be 120 days late 2 months in a row. It shows 120 days late in both XXXX and XX/XX/XXXX. This account is listed on my credit report as a Collection/Charge off in addition to a Profit & Loss write-off. It is NOT a charge off or a Profit & Loss Write-off as we have documentation that we are enclosing that we have re-entered a payment agreement as of XX/XX/XXXX, and monthly thereafter. All receipts are enclosed. This is just another error that is not being addressed by XXXX XXXX XXXX XXXX \nXXXX XXXX continues to report inaccurate balances and payments. They are violating the FCRA, specifically 15 U.S.C. 1681 Section 611 ( a ) which states that a failure to investigate disputed items within 30 days gives reason to immediately remove those items from my credit report. We have disputed multiple times and requested reinvestigations with all three major credit bureaus. This is negatively affecting our credit score and causing us mental, psychological & emotional distress. In addition, these errors are costing us money at higher rates. We have attempted to get several home equity loans and lines of credit to pursue housing and were denied because of the illegal reporting of negative errors on our credit reports. My wife has not been able to obtain housing because of this. It is affecting my wifes ability to obtain housing assistance through her low income and XXXX rating. This is illegal and they are breaking the law. Since they have all refused to investigate and re-investigate our disputes and update our credit reports to show 100 % accuracy, I am filing this complaint with the CFPB to assist us in having XXXX XXXX XXXX XXXX account removed from all three of our credit bureau reports. We have {$150000.00} in equity on our home and have attempted to refinance for fixing the home for sale and paying off XXXX XXXX ; however, since they are reporting inaccurately, we are unable to obtain financing for HOUSING due to the errors XXXX XXXX XXXX XXXX XXXX report to all 3 major credit reports.","date_sent_to_company":"2023-11-02T07:46:17.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"44484","tags":"Servicemember","has_narrative":true,"complaint_id":"7792517","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-11-02T07:46:12.000Z","state":"OH","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The <em>balance</em> and payments are reporting inaccurate and erroneous still.\n\nWe previously <em>disputed</em> this account on 7-10 occasions with documentation of all our payments and receipts attached. We entered into a repayment agreement on XX/XX/XXXX, and XXXX XXXX <em>agreed</em> to dismiss the foreclosure."]},"sort":[10.125358,"7792517"]},{"_index":"complaint-public-v1","_id":"3084683","_score":10.08219,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The creditor in question, XXXX XXXX, financed a XXXX XXXX XXXX XXXX Vehicle Identification Number XXXX, in XXXX of XXXX for me when I visited a XXXX XXXX XXXX location in XXXX XXXX Pennsylvania . On XX/XX/XXXX, the vehicle was repossessed. As of XXXX of XXXX, the vehicle still showed on my credit report as \" current/ pays as agreed '' instead of the \" repossessed '' status that the account should have shown. The information was still reported this way to the credit bureaus until XX/XX/XXXX, when I filed a chapter XXXX bankruptcy in the XXXX XXXX XXXX Virginia. The account was not showing current for XXXX  or XXXX, but was showing current/pays as agreed for Equifax. I attempted to contact the creditor, per Equifax, to make the change to my credit file. I was advised by a XXXX XXXX, who stated that he was the general manager, that the file was reported correctly to Equifax as current. I advised him that I had no had the car in my possession since XXXX of XXXX, as referenced on the repossession letter I received from his office. He stated that yes, he did show the status as current, and inquired as to why I did not \" just come back and buy another car '' from them, stating that he would \" be happy to '' give me another car. Clearly, there was no attempt to correct the file, rather an attempt to extort and force me into agreeing to another loan in order to have the previous one reported accurately. I stated to him that I was not seeking a new loan -- I needed the loan in question corrected. He stated he did not know how to fix that or who could. He stated that the next reporting would reflect correct status, as he would \" make sure of it ''. The creditor then reported on XX/XX/XXXX that I am in possession of the vehicle and pay as agreed, with a current loan in good standing. I reached out again to Equifax on XX/XX/XXXX, who advised me that they have several records of XXXX responding to my now four disputes by stating that the status is correct as is, pays as agreed/ current. Equifax stated that only XXXX could make the correction and change the file to report appropriately. As a last effort, I contacted XXXX directly, asking for a manager. I was given to a man who would only identify himself as XXXX, and not give his proper title. \" XXXX '' proceeded to insult me, telling me that it \" doesn't matter, no one will finance '' me, attempted to tell me that the company can not change my credit file, then stated that they had changed it with XXXX and XXXX. He argued with me, and was not at all helpful in my original request -- to just get the status of the account corrected. He stated several times that XXXX and XXXX appeared to be correct, so \" what is the big deal ''? He stated that he would change the information to reflect correctly, but he would \" be out XXXX grand ''. Based on that last comment, it is clear that \" XXXX '' knew the reporting was incorrect, and was not changing it out of some illegal bias regarding the loan balance. Also of note, at no time was I asked my account number, social or the vehicle information. I did not volunteer the information purposefully, as to ascertain whether or not the team was both familiar with the account without my referencing it, implicating purposeful intent to harm my credit file. After several minutes of my refusing to hang up, despite being insulted, talked very harshly and rudely to, and debated, \" XXXX '' finally stated that if I could email them a screen shot or \" whatever '' of the dispute that I filed with Equifax, then he would update the information. As I have been told previously that this would be corrected and it had not occurred, I asked \" XXXX '' if I should include an account number or any other identifying information in my email. He stated that I could forward a screen shot of my dispute filing from Equifax to a representative named XXXX, and that she \" will know who it is ''. \n\nIt is my contention that \" XXXX '', Bill and the XXXX XXXX team is fully knowledgeable of their industry, and is acutely aware that a great number of auto finance companies in fact use Equifax in their decision to determine whether a consumer is creditworthy, and even if the other two bureaus have positive information, an open or current auto loan being reported to Equifax would effectively stop a consumer from obtaining another auto loan. Because of this, and their dismay at being \" out XXXX grand '' on the vehicle, they purposefully reported both illegally and inaccurately to Equifax, knowing that I would not be able to secure another car as long as the XXXX account was listed as \" current/ pays as agreed ''. They also used their expertise in the industry to attempt to not only ruin my credit file, but to effectively stop me from being able to get back on my feet by purchasing any other vehicle. I am going to pursue this matter in court, but I am writing this complaint as a form of formal documentation, as the status has not been updated to date, after several reasonable requests via Equifax dispute to do so.","date_sent_to_company":"2018-11-27T21:06:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20109","tags":null,"has_narrative":true,"complaint_id":"3084683","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-11-27T21:06:38.000Z","state":"VA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Based on that last comment, it is clear that \" XXXX '' <em>knew</em> the reporting was incorrect, and was not changing it out of some illegal bias regarding the loan <em>balance</em>. Also of note, at no time was I asked my account number, social or the vehicle information. I did not volunteer the information purposefully, as to ascertain whether or not the team was both familiar with the account without my referencing it, implicating purposeful intent to harm my credit file."]},"sort":[10.08219,"3084683"]},{"_index":"complaint-public-v1","_id":"3084682","_score":10.0712385,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The creditor in question, XXXX XXXX, financed a XXXX XXXX XXXX , Vehicle Identification Number XXXX, in XXXX of XXXX for me when I visited a JD Byrider franchise location in XXXX , Pennsylvania . On XX/XX/XXXX, the vehicle was repossessed. As of XXXX of XXXX, the vehicle still showed on my credit report as \" current/ pays as agreed '' instead of the \" repossessed '' status that the account should have shown. The information was still reported this way to the credit bureaus until XX/XX/XXXX, when I filed a chapter XXXX bankruptcy in the XXXX XXXX of Virginia. The account was not showing current for XXXX  or XXXX, but was showing current/pays as agreed for XXXX. I attempted to contact the creditor, per XXXX, to make the change to my credit file. I was advised by a XXXX XXXX, who stated that he was the general manager, that the file was reported correctly to XXXX  as current. I advised him that I had no had the car in my possession since XXXX of XXXX, as referenced on the repossession letter I received from his office. He stated that yes, he did show the status as current, and inquired as to why I did not \" just come back and buy another car '' from them, stating that he would \" be happy to '' give me another car. Clearly, there was no attempt to correct the file, rather an attempt to extort and force me into agreeing to another loan in order to have the previous one reported accurately. I stated to him that I was not seeking a new loan -- I needed the loan in question corrected. He stated he did not know how to fix that or who could. He stated that the next reporting would reflect correct status, as he would \" make sure of it ''. The creditor then reported on XX/XX/XXXX that I am in possession of the vehicle and pay as agreed, with a current loan in good standing. I reached out again to XXXX  on XX/XX/XXXX, who advised me that they have several records of XXXX  responding to my now four disputes by  stating that the status is correct as is, pays as agreed/ current. XXXX stated that only XXXX could make the correction and change the file to report appropriately. As a last effort, I contacted XXXX directly, asking for a manager. I was given to a man who would only identify himself as XXXX, and not give his proper title. \" XXXX '' proceeded to insult me, telling me that it \" doesn't matter, no one will finance '' me, attempted to tell me that the company can not change my credit file, then stated that they had changed it with XXXX and XXXX. He argued with me, and was not at all helpful in my original request -- to just get the status of the account corrected. He stated several times that XXXX and XXXX appeared to be correct, so \" what is the big deal ''? He stated that he would change the information to reflect correctly, but he would \" be out XXXX XXXX ''. Based on that last comment, it is clear that \" XXXX '' knew the reporting was incorrect, and was not changing it out of some illegal bias regarding the loan balance. Also of note, at no time was I asked my account number, social or the vehicle information. I did not volunteer the information purposefully, as to ascertain whether or not the team was both familiar with the account without my referencing it, implicating purposeful intent to harm my credit file. After several minutes of my refusing to hang up, despite being insulted, talked very harshly and rudely to, and debated, \" XXXX '' finally stated that if I could email them a screen shot or \" whatever '' of the dispute that I filed with XXXX, then he would update the information. As I have been told previously that this would be corrected and it had not occurred, I asked \" XXXX '' if I should include an account number or any other identifying information in my email. He stated that I could forward a screen shot of my dispute filing from XXXX to a representative named XXXX, and that she \" will know who it is ''. \n\nIt is my contention that \" XXXX '', XXXX and the XXXX XXXX team is fully knowledgeable of their industry, and is acutely aware that a great number of auto finance companies in fact use XXXX in their decision to determine whether a consumer is creditworthy, and even if the other two bureaus have positive information, an open or current auto loan being reported to XXXX  would effectively stop a consumer from obtaining another auto loan. Because of this, and their dismay at being \" out XXXX XXXX '' on the vehicle, they purposefully reported both illegally and inaccurately to XXXX, knowing that I would not be able to secure another car as long as the XXXX  account was listed as \" current/ pays as agreed ''. They also used their expertise in the industry to attempt to not only ruin my credit file, but to effectively stop me from being able to get back on my feet by purchasing any other vehicle. I am going to pursue this matter in court, but I am writing this complaint as a form of formal documentation, as the status has not been updated to date, after several reasonable requests via XXXX dispute to do so.","date_sent_to_company":"2018-11-27T21:06:34.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20109","tags":null,"has_narrative":true,"complaint_id":"3084682","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Byrider Franchising, LLC","date_received":"2018-11-27T19:19:48.000Z","state":"VA","company_public_response":"Company believes complaint represents an opportunity for improvement to better serve consumers","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Based on that last comment, it is clear that \" XXXX '' <em>knew</em> the reporting was incorrect, and was not changing it out of some illegal bias regarding the loan <em>balance</em>. Also of note, at no time was I asked my account number, social or the vehicle information. I did not volunteer the information purposefully, as to ascertain whether or not the team was both familiar with the account without my referencing it, implicating purposeful intent to harm my credit file."]},"sort":[10.0712385,"3084682"]},{"_index":"complaint-public-v1","_id":"2925041","_score":10.040634,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have complained about this situation before and it is still not resolved or accurate. XX/XX/XXXX XXXX XXXX sent me to collections for a {$50.00} internet bill and {$100.00} for equipment that was not returned for a final bill with them. There was no way of me knowing about this because I moved from my former address on XX/XX/XXXX. I paid every bill that was due with XXXX on time all the time up until this final bill. I never received a bill or a statement a phone call or anything claiming I owed them any money because I didn't move into my current address until XX/XX/XXXX. By XX/XX/XXXX XXXX had sent me to collections already for a bill that I had no knowledge of due to the fact that they listed the wrong name on the account XXXX XXXX and my name is XXXX XXXX so that is inaccurate information. I disputed this back in XX/XX/XXXX and it was removed from all three credit bureaus immediately. I thought that was the end of it but to my surprise XX/XX/XXXX they sent me back to collections with XXXX XXXX XXXX for the same {$150.00} and once again I disputed it. This time it was only removed from XXXX  so I wrote a complaint against the collection agency from there they send me a copy of the original bill from XXXX Debt Validation letter and told me that I could handle this matter with XXXX XXXX from this moment on. I then get in contact with XXXX on XXXX XXXX I pay the {$150.00} that was owed and the customer representative acknowledges that is was a mistake on their end for sending me to collections in the first place because they had the wrong name XXXX XXXX listed on the account so therefore she agreed that the account was closed as paid in full and would be removed permanently from my credit report. XXXX XXXX keeps recorded phone conversations for quality assurance purposes so recording should be available between me and the representative for proof. On XXXX XXXX The account was removed from XXXX  and XXXX  and I thought it was finally over with. To my surprise again on XX/XX/XXXX it was showing back on XXXX  and XXXX as an collection stating that I had never paid the balance of {$150.00} and XXXX XXXX XXXX was the collection agency handling the account again. I call XXXX XXXX and XXXX XXXX XXXX immediately on XXXX XXXX and the representatives for both companies where rude, uncooperative, and gave me no helpful information at all. I keep calling these companies for the next few weeks to get an answer until a representative finally informs me that now instead of the account being removed from my credit report like I was told, the collection agency XXXX XXXX XXXX changed the status to paid in full and in doing so it is showing on my credit report as a negative collection/charge off. This is completely wrong and inaccurate information. I did not pay the collection agency I paid the original creditor XXXX XXXX. XXXX Agencies charge extra for the debt in order for them to get paid. I know this information so why after I paid XXXX was XXXX XXXX  even involved with account anymore. I would never had agreed to pay this bill if I knew it was gon na stay a collection and negative on my credit report. I should've never been sent to collections in the first place. I agreed to pay this bill with the original creditor XXXX XXXX for the original amount of {$150.00} and for it to be removed from my credit report. This is absolutely ridiculous that I have gone through all this for {$150.00}. I have lost the chance of purchasing a home and other credit goals I was hoping to accomplish because of this. This violates FRCA requirements because it is inaccurate information","date_sent_to_company":"2018-06-03T05:02:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"85283","tags":"Servicemember","has_narrative":true,"complaint_id":"2925041","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Focus Holding Company","date_received":"2018-06-03T02:48:01.000Z","state":"AZ","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I would never had <em>agreed</em> to pay this bill if I <em>knew</em> it was gon na stay a collection and negative on my credit report. I should've never been sent to collections in the first place. I <em>agreed</em> to pay this bill with the original creditor XXXX XXXX for the original amount of {$150.00} and for it to be removed from my credit report. This is absolutely ridiculous that I have gone through all this for {$150.00}."]},"sort":[10.040634,"2925041"]},{"_index":"complaint-public-v1","_id":"4419885","_score":9.942879,"_source":{"product":"Debt collection","complaint_what_happened":"I had 2 Credit Cards through XXXX XXXX XXXX. One had paid Credit Protection and one did not. I became XXXX and exercised my credit protection. My request was granted, but the account was charged off in 90 days. The other was charged off a couple of months later. The account with credit protection got sold to Resurgent Capital Services/LVNV Funding and the one without got sold to XXXX XXXX. LVNV Funding has been reporting a collection account for the charged off debt that had credit protection on it. \n\nWhen I got approved for XXXX, I squared myself with the debts I owed. I called XXXX XXXX and I paid the entire balance without negotiating and they were not reporting on my credit report, but I owed the money. It was a valid debt. \n\nThe account currently managed by Resurgent Capital Services/LVNV Funding, account number XXXX, definitely had an innacucurate balance because my credit protection should have paid it down to all but {$100.00} or so. \n\nI disputed the original creditor account and XXXXVNV Funding at the same time. XXXX XXXX XXXX  realized the mistake, realized that I made them whole through the other account and they agreed with me that it should not have been charged off, and that month they removed both accounts from my credit report. In the same month, LVNV Funding validated that their collection activity was accurate. \n\nTo this day, 8 rounds of disputes, several phone calls and an FHA loan VS a conventional loan at the expense of 30 points for this phony collection. It's going to cost me thousands of dollars in PMI and interest because of what they are doing. \n\nEvery time I dispute, I dispute with all 3 bureaus and LVNV Funding. LVNV Funding always opens, investigates and closes a dispute in minutes. There is absolutely no way they verified reporting information with the original creditor and got somebody to validate it within the same day 8 times in a row. The acknowledgement letter, the print out of account information and a validation letter are all produced, printed and mailed within the same day. \n\nI called this company and explained to them that I had credit protection on the account and that I was XXXX. She asked to send the award letter, I did. They put the account into \" Non-collection Status '' in which it remains and is costing me 30 FICO points on a XXXX. \n\nI got a settlement offer two months ago for half that owed. I called in the other day as I'm closing in on closing on a home and I asked for argument sake what it would cost to pay to delete. The lady offered me {$700.00} after she knew I was trying to obtain credit. It's legalized extortion and it's under your purview of regulation. \n\nThe only reason I even considered a pay for delete was the cost/benefit analysis of pay for delete VS litigation, etc ... Now I've obtained my mortgage, it is sub-prime, and I am asking the Bureau to exercise all of my rights for me afforded to me under the Constitution, Federal Law, State Law , County Law and municipalities to obtain some sort of punitive justice. Even if half the awards get donated to a consumer rights non-profit of your choice. At very least, this item must be removed from my credit report and this company must be held accountable for the actions it took. I will see through that that is done effectively and justly. \n\nI have included all of the documents that I have already provided both XXXX XXXX XXXX  and LVNV Funding. \n\nThank You, XXXX XXXX","date_sent_to_company":"2021-06-01T07:33:04.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"34112","tags":null,"has_narrative":true,"complaint_id":"4419885","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2021-06-01T02:17:35.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX  realized the mistake, realized that I made them whole through the other account and they <em>agreed</em> with me that it should not have been charged off, and that month they removed both accounts from my credit report. In the same month, LVNV Funding validated that their collection activity was <em>accurate</em>. \n\nTo this day, 8 rounds of <em>disputes</em>, several phone calls and an FHA loan VS a conventional loan at the expense of 30 points for this phony collection."]},"sort":[9.942879,"4419885"]},{"_index":"complaint-public-v1","_id":"3502305","_score":9.714158,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In XX/XX/XXXX, I had a balance on my XXXX XXXX. Using XXXX 's \" XXXX '' app, I linked my XXXX checking account to my XXXX XXXX so that the balance would be paid in full every month from my checking account. The app said I was successful in linking my account. \n\nA month later, I received a phone call from XXXX XXXX ( which backs the XXXX XXXX ) that my payment was unsuccessful, and that I was more than 30 days late. I said that's impossible. But the specialist told me that XXXX declined payment ; apparently, my bank account was never successfully linked, despite the app telling me it was. ( No one ever notified me of this beforehand. ) I paid the balance in full while on the phone. I explained that I've never missed a payment before ( it's true ; you can check my credit history ). \n\nDespite this, XXXX reported to Trans Union that I was more than 30 days late. After seeing my credit score take a 100-point dive, I contacted XXXX again in XX/XX/XXXX. I spoke to someone who promised to look into it for me. I received a call back on XX/XX/XXXX, but missed the call because it was XXXX XXXX and I was on vacation. \n\nIn XX/XX/XXXX, I called XXXX back. On this call, it was discovered that XXXX did not have my current email. Instead, it had an email that was associated with my XXXX XXXX account -- an email from XXXX. At no point in my application process for an XXXX XXXX or thereafter was I ever asked to give my email. I assumed notifications would be sent through text or over the XXXX XXXX XXXX. \n\nI was wrong. XXXX had sent a notice of overdue payment to the wrong email. The specialist whom I spoke to agreed that it was 1 ) wrong for XXXX not to call me BEFORE XX/XX/XXXX ; 2 ) wrong for XXXX to rely on an outdated email to contact me ; and 3 ) true that, given my previous history of always paying on time, unfair for XXXX to have reported to Trans Union a late payment when I was under the mistaken belief that the payment had been processed through my XXXX  checking account -- which, again, is what was showed to me on the app. It said it was successful. \n\nXXXX then issued a dispute on my behalf and sent it to Trans Union. Trans Union \" investigated '' ( never explained what steps it took ; it did NOT speak to me about the issue ), and claimed that the report was \" accurate. '' My credit score dipped over 100 points. XXXX claims it can't do anything, and when I called Trans Union, Trans Union claimed it couldn't do anything. Both companies pointed the finger at the other. \n\nI called XXXX today, XX/XX/XXXX, to discuss Trans Union 's \" investigation. '' XXXX knew very little, and said I should continue the dispute process on my own. \n\nTo recap : 1 ) I've never missed a credit card payment in my life. \n2 ) I tried to link my XXXX checking account to my XXXX XXXX. I was told I was successful. \n3 ) When my checking account wasn't successfully added ( after a few days ), no one notified me of this. \n4 ) XXXX used the wrong email, and didn't call me about a problem until after 30 days went by. \n5 ) Trans Union never contacted me about its investigation ; it didn't even bother to explain what steps it took or how it reached its conclusion. \n6 ) Given that XXXX has agreed with me that this was wrong, I'm confused how I'm still penalized for its mistake. \n7 ) Trans Union won't answer my concerns. And both companies just lay blame with the other and tell me to talk to that one.","date_sent_to_company":"2020-01-20T15:23:41.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"117XX","tags":null,"has_narrative":true,"complaint_id":"3502305","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-01-20T14:58:36.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I called XXXX today, XX/XX/XXXX, to discuss Trans Union 's \" investigation. 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